Credit Cards Platinum Smart Covered Card

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Live a life of luxury – free of charge

The Free for Life Smart Platinum Covered Credit Card is exactly that – FREE FOR LIFE!

That means we will not ever charge you an annual fee while you hold your card. We offer competitive pricing without any hidden charges and a price commitment that your Murabaha profit rate will always remain fixed.

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 and Benefits

To view Features and Benefits, please click here

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

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

  • Earn 1.5 joud rewards for every AED 1 spent overseas
  • Ear 1 joud reward for every AED 1 spent locally

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.

Add your Al Hilal Bank Smart Platinum Covered 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

  • Airport dining discounts with DragonPass Dine & Travel mobile app
  • Up to 25% off stays at Jumeirah properties
  • 20% off at Jumeirah Restaurants
  • 20% off at Meraas Dining establishments
  • Buy One, Get One Free ENTERTAINER offers at 40 selected merchants

Card holders can indulge their passion for golf with reduced prices at various golf clubs across the globe. Simply call in advance or download the SpikesOn app to book and pay via the app.

Enhanced Protection and Care

All purchases made with an Etihad Guest Platinum Credit Card are protected against theft and accidental damage. For more information, please visit www.cardholderbenefitsonline.com.

Purchases made using the Etihad Guest Platinum Credit Card are eligible for Extended Warranty, which doubles the manufacturer’s warranty for up to one year for selected items. For more information, please visit www.cardholderbenefitsonline.com.

Convenience and Flexibility

You can use your Etihad Guest Platinum Credit Card to pay your UAE utility bills (such as Etisalat, ADDC, DEWA, AADC, Salik, Du and SEWA) using the Al Hilal Mobile Banking App, anytime, anywhere.

Enjoy converting your purchases at participating merchants over a longer period, you may opt to split transactions made with your Smart Platinum Covered Credit Card at the Standard Profit Rate and pay in easy instalments of 3, 6 or 12 months.

Fees and Charges

Please refer to the Schedule of Fees.

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

Terms and Conditions

To view the Terms and Conditions, please click here.

Shariah Certificate

To view the Shariah Certificate, please click here.

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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