Al Hilal Bank | Emirati World MasterCard

For those who love life’s luxuries

The AL Hilal Bank Emirati World Mastercard Credit Card – with its diverse selection of travel benefits, exceptional rewards and lifestyle privileges – is the essential card for everything travel related.

Free

for the first year

subsequent fees can be waived subject to your spend

1 million Over

Complimentary access to Wi-Fi

hotspot locations worldwide

Warning

If you do not make the payments of your minimum due amount on credit cards, you will pay a Late Payment Amount applicable as per the schedule of fees available on our website. This may affect your credit rating, which may limit your ability to access financing or credit products in the future.

Features & Benefits

Balance Transfer

Pay the outstanding balance on your other UAE credit cards with your Al Hilal Bank Card with our Balance Transfer facility at a 0% profit rate and a flexible repayment term.

Terms & Conditions

Up to 90% of your available credit limit can be accessed
Minimum amount for Balance Transfer is AED 1000
To know more about our updated pricing and utilise the benefit, please contact us on 600522229

Instant Cash

Get cash against your available credit limit transferred into an account anywhere in the UAE and benefit from 0% profit rate and a flexible repayment term.

Terms & Conditions

Up to 80% of your available credit limit can be accessed
The minimum amount for Instant Cash is AED 5000
Funds will be transferred to the beneficiary’s account anywhere in the UAE in AED currency
To know more about our updated pricing and utilise the benefit, please contact us on 600522229

Exclusive Rewards

A bonus of 100,000 Joud Reward points when you sign-up for the Emirati World Mastercard

1.75 Joud Reward points earned for every AED of international spend and 1.25 Joud Reward points for every AED of local retail spend

Joud Reward Points can be redeemed for an array of benefits For more details on point earning and the Joud Reward program, visit joud.alhilalbank.ae.

Digital Ready

Add your Al Hilal Bank Emirati World Mastercard Credit Card to your digital wallet and simply tap your device to make payment for your purchases. Pay with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

Discounts & Offers

Emirati World Mastercard holders enjoy over 850 Buy One, Get One Free offers on hotels, fine dining, premium spas and more across the Middle East and Africa. Please click here for more offers.

Travel Benefits

Complimentary Wi-Fi at over 1 million hotspot locations around the world, including in-flight on Etihad Airways and other selected carriers, via Boingo – the world’s leading Wi-Fi provider
Unlimited free access to over 1,000 airport lounges in more than 450 cities across the globe
Hertz Gold Plus Rewards Five Star membership, giving you up to15% off the best publicly available rates, complimentary one-car-class upgrades (subject to availability), faster reservations on rentals and returns, plus priority service at rental queues in many of the world’s busiest airports. Please visit www.hertz.com/mcworld for more details.
One free night for every two nights you book in a Marriott Bonvoy Hotel and pay using your card. Please visit www.marriott.com/mastercardmea to book your stay and secure your complimentary nights.
With Fulfill visa assistance, World Mastercard holders can apply and book appointments for a flat fee of USD 15, reduce the time spent applying for travel visas, avoid having to fill out complicated forms, and also receive document checklists for all your travel visa submissions (when you are required to submit travel visa applications personally). Visit www.fulfillsolutions.com/mastercard to access the Fulfill website and apply for your travel visa.
Up to 10% off the price of selected properties bookings, when you book a stay using the Hotels.com Discount. Simply visit www.hotels.com/hotel-deals/Mastercard-ar/?rffrid=mdp.hcom.GL.403.000.00 and apply the promo code MASTERCARDMEA upon checkout with your Mastercard.
10% discount on any international roundtrip airfare. Simply go to www.cleartrip.ae, select your flights, and enter promo code MCWORLD, making sure to pay with your World Mastercard.
Discounted Chauffeur Rides with Careem, with 20% off three rides every month. To enable this discount, enter the promo code MASTERCARD when making your bookings.

Lifestyle Benefits

Download the ‘Mastercard for You’ App to discover the full range of privileges and benefits
Offers and discounts with the Bicester Village Shopping Collection. Please visit www.thebicestervillageshoppingcollection.com/mastercard-mea.
Enjoy 10% off website-wide products at Farfetch.com, which features over 700 boutiques and brands from around the world. Farfetch ships to customers in almost 190 countries. Explore the marketplace at https://www.farfetch.com.
MyUSPremium shipping discounts for World Mastercard cardholders. Simply visit www.myus.com/welcome/Mastercardpremium to register.

Protection Benefits

The Emirati World Mastercard includes a range of travel and medical insurances covering baggage loss or delay, trip cancellation or curtailment, missed connections, trip delays and emergency medical expenses

Travel Inconvenience Insurances	Coverage
Loss of Baggage	Up to $ 3,000
Delay of Baggage	$ 500
Trip Cancellation/Curtailment	Up to $ 7,500
Trip Delays / missed connections	$ 500

Travel Medical Insurance	Coverage
Travel Accident Insurance	Up to $ 500,000
Emergency medical evacuation / repatriation	Up to $ 500,000
Medical emergency expenses	Up to $ 50,000
Daily in-hospital cash benefit	$ 100 per day

Fees and Charges

	AED/%
Annual Fee – 1st Year	Free
Annual Fee – 2nd Year Onwards	Waived*
Supplementary Card Fee (upto 3)	Free (upto 3)
Additional Supplementary Card (4th onwards)	105
Profit Rate (Murabaha) Credit Card	2.99%
Fee for Non AED Transactions (Exchange Markup)	3.14%
Cash Withdrawal Fee	3.15%
Cash Withdrawal Percentage	60%
Over Limit Charges	Nil
Late Payment Amount (to be paid to charity)	241.5
Card Replacement Fee	Nil
Card Re-Issuance Fee	Nil
Duplicate Statement - up to 3 months	26.25
Duplicate Statement - over 3 months	52.5
Temporary Credit Limit Enhancement Fee	105
Returned cheque Handling Charges	105
Copy of Sales Voucher	42
Hotel (T&E) Sales Copy Request	105
Outstation Cheque Processing fee	31.5
Liability letter/ certificate	AED 63

*subject to achievement of minimum spend of AED 60,000. If the minimum spend is not achieved Annual fee of AED 787.50 will be applicable.

Above stated fees and charges is inclusive of 5% VAT wherever applicable

Digital Payment Solutions

Al Hilal Bank gives you the choice to pay in a way that’s easy, secure and suits the way you live. Learn more

As an Al Hilal Bank Emirati World MasterCard Cardholder, you will enjoy exclusive access to a diverse selection of travel privileges, promotions and benefits that make your life easier and better.

Should you have more questions, please feel free to call the call center on 600522229 or email us on contactus@alhilalbank.ae

A superior banking experience awaits you.

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Credit Cards Al Hilal Bank Emirati World MasterCard