Al Hilal Bank | Emirati World MasterCard

A card for life’s luxuries

The Al Hilal Bank Emirati World MasterCard is your one-stop-shop for everything travel related – designed with a diverse selection of travel benefits, exceptional rewards and lifestyle privileges.

Free Card

first year and renewal fees for subsequent years

also waived subject to spends on the card

Free

VIP Terminal access vouchers

1 million Over

Hotspot locations around the world

Complimentary access to Wi-Fi

100,000

Joud Bonus Points on sign up

Features & Benefits

Rewards

Get 100,000 Bonus Joud Reward Points when you sign-up for the Al Hilal Bank Emirati World MasterCard.
Earn 1.75 Joud Reward points for every AED on International spend and 1.25 Joud Reward Points for every AED of local retail spends.

For more details on points earning and Joud Rewards program, visit joud.alhilalbank.ae

Discounts & Offers

Over 900 unlimited Buy 1 Get 1 offers on hotels, fine dining, premium spas and much more across the Middle East & Africa with the Al Hilal Bank Emirati World MasterCard. Please click here for more offers.

Travel Benefits

Complimentary access to global Wi-Fi hotspots at over 1 million hotspot locations around the world including in-flight on select airlines via the world’s leading Wi-Fi provider, Boingo – including on Etihad Airways’ flights
Unlimited access to over 850 airport lounges in more than 400 cities across the globe completely free of charge
Hertz Gold Plus Rewards Five Star membership – you will get 15% off on the best publicly available rates, complimentary one-car-class upgrades (subject to availability), faster reservations on rentals, and returns, as well as the priority at the rental queue, at many of the world’s busiest airports.
Complimentary nights when you book a SPG hotel using your Al Hilal Bank Emirati World MasterCard – 1 free night for every 2 nights that you book
40% off on travel visa services to Schengen countries, UK, Saudi Arabia, Australia, New Zealand,– you can get priority appointment scheduling, form filling and typing and document collection services
2 complimentary vouchers for access to the VIP terminal at Abu Dhabi International Airport – Get VIP treatment with priority check-in, luggage collection services, meet and greet services, access to the VIP Terminal lounge as well as other optional services.

Lifestyle Benefits

The ‘Mastercard for You’ App is available to view all the privileges and benefits you have access to on the Al Hilal Bank Emirati World MasterCard

Protection Benefits

Wide range of travel and medical insurances covering loss / delay of baggage, trip cancellation / 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

*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

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.

Knowing you a little better will help us serve you better. Please complete the form and our executive will get in touch with you.

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^{Credit Cards} Al Hilal Bank Emirati World MasterCard