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Credit Cards World Elite Mastercard

World elite master cards

Designed to benefit you every mile of the way

The World Elite Mastercard confers a wide selection of travel benefits, exceptional rewards and lifestyle privileges.

Bonus Joud Reward Points
when you sign-up
1 million Over
Hotspot locations around the world
Complimentary access to Wi-Fi


  • 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

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

  • Sign up for the World Elite Mastercard and receive 340,000 Joud Reward Points as a welcome bonus.
  • Cardholders also earn 6 Joud Reward Points* for every AED 4 of local retail spend and 8 Joud Reward Points for every AED 4 of international retail spend.

*Joud Reward Points can be redeemed for an array of benefits. For more details on ways to earn points and the Joud Rewards program, visit

NB: The option of a card with no first-year annual fee, which excludes Joud Reward Points, is also available.

Add your Al Hilal Bank World Elite 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

Holders of the World Elite Mastercard are entitled to over 900 unlimited Buy One, Get One Free offers on hotels, fine dining, premium spas and much more across the Middle East and Africa.

  • Complimentary Wi-Fi at over 1 million hotspot locations around the world, including in-flight on Etihad Airlines 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 for you and a guest
  • Hertz Gold Plus Rewards® with discounts on the best publicly available rates, guaranteed complimentary one-car-class upgrade, faster reservations on rentals and returns, plus priority service at rental queues at many of the world’s busiest airports. Simply visit to register
  • Complimentary nights when you book a Marriott Bonvoy Hotel using your card
  • Black Membership to the Global Hotel Alliance (GHA), giving you access to double room upgrades, guaranteed room availability, early check-in (from 9:00 am) and late check-out (until 6:00 pm) at over 33 GHA hotel brands across 76 countries
  • Access to room upgrades at the World Elite Luxury Hotels Collection with premium access to over 1,000 hotels globally plus early check-in, late check-out and complimentary breakfast for two
  • With Fulfill visa assistance World Mastercard® cardholders can 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 a document checklist for your travel visa submissions (when you are required to submit travel visa application personally). Visit to access the Fulfill website and apply for your travel visa
  • Up to 25% off your car rental and 10% off Premium Chauffeur Drive service with Avis Car Rental. Visit for details.
  • Stay three nights and pay for only two at any of the 16 participating Oberoi properties in India, Indonesia and the UAE. Go to for more details.
  • Complimentary nights from Soneva
  • Discounts on luxury serviced apartments from Onefinestay
  • Up to 10% off the price of your booking for selected properties, when you book a stay using Discount. Simply visit and apply the promo code MASTERCARDMEA upon checkout with your Mastercard.
  • 10% discount on any international roundtrip airfare booked through Cleartrip. Simply visit, select your flights, and enter the promo code MCWORLD, making sure to pay with your World Mastercard.
  • Discounted Chauffeur Rides with Careem, including 20% off 3 rides every month. To enable your discount, enter the promo code MASTERCARD when booking.

  • Download the ‘Mastercard for You’ App to discover the full range of privileges and benefits.
  • World Elite Concierge for your every need, includes a dedicated concierge service available 24/7 with support provided in both Arabic and English.
  • Offers and discounts with the Bicester Village Shopping Collection. Please visit for more.
  • Enjoy 10% off website-wide products on Farfetch, with over 700 boutiques and brands from around the world. Farfetch ships to customers in almost 190 countries. Explore the marketplace at
  • MyUSPremium shipping discounts for World Mastercard holders. Simply visit to register.

The World Elite 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 Up to $ 7,500
Trip Curtailment Up to $ 7,500
Trip Delays $ 500
Missed Connection $ 500

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

Rental Car and loss damage waiver insurance covering loss or damage of your rental car

Rental Car and loss damage waiver insurance Coverage
Physical damage or loss of use Up to $ 500,000
Towing of vehicle Up to $ 500,000
Vehicle drop-off charges Up to $ 500,000


As an Al Hilal World and World Elite Credit Cardholder, you will enjoy exclusive access to a diverse selection of travel privileges, promotions and benefits that make your life easier and better. For more information on all aspects of the credit card, please refer to below Q&As. Should you have more questions, please feel free to call the call center on 600522229

Click here to view FAQs.

Fees and Charges

Annual Fee – 1st Year 2,625*
Annual Fee – 2nd Year Onwards Free**
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) 100
Card Replacement Fee 78.75
Card Re-Issuance Fee 78.75
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

*Product with no first year annual fee is available without Bonus Joud Reward Points & VIP Terminal access

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

**Subject to minimum spend of AED 150,000 in the previous year. If the minimum spend criteria is not achieved, Annual fee of AED 2500 will be 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

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