Credit Cards World Mastercard

world master card

One card for all your travel needs

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

Bonus Joud Reward Points
when you sign-up
Complimentary vouchers for access to the VIP Terminal
at Abu Dhabi International Airport
1 million Over
Hotspot locations around the world
Complimentary access to Wi-Fi
Features and Benefits

  • Earn Joud Reward Points when you sign-up* and spend on the Al Hilal Bank World Mastercard® credit card, which can be redeemed for an array of reward
  • Get 100,000 Bonus Joud Reward Points when you sign-up for the Al Hilal Bank World Mastercard® credit card
  • You will also earn 5 Joud Reward Points for every AED 4 of local retail spends and 7 Joud Reward Points for every AED 4 of international retail spends

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 World Mastercard® credit card

  • 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 World Mastercard® credit card – 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

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

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 $ 300
Trip Cancellation Up to $ 7,500
Trip Curtailment Up to $ 7,500
Trip Delays $ 300
Missed Connection $ 300

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


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 1,050*
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

*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 60,000 in the previous year. If the minimum spend criteria is not achieved, Annual fee of AED 1,000 will be applicable.

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.
Enter Valid Customer Id
Enter Valid Name
Enter Valid Email
Enter a valid number (hint: it starts with ‘5’)
Select your emirate
Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain
Please fill the captcha

Other ways to apply

Contact centre

Contact centre

Contact us anytime anywhere available 24 /7
600 522 229

Apply through SMS

Apply through SMS

SMS 'TRAVEL' to 2494 from your registered mobile number.

Visit us

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you

Branches & ATMs