Last Updated on 20 March 2020

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Al Hilal Bank Smart Covered Card Classic

Al Hilal Bank Bank

WarningMessage This product is discontinued by the Bank

Smart Covered Card Classic

Al Hilal Bank Smart Covered Card Classic
Profit Rate

2.4%

Minimum Salary

AED 8K

Fx Rate

2.75%

Annual Fee

AED 250

Balance Transfer

No

Cashback

No

Al Hilal Bank Smart Covered Card Classic
interest rate

2.4%

Profit Rate

min salary

AED 8K

Minimum Salary

fx rate

2.75%

Fx Rate

annual fee

AED 250

Annual Fee

bal transfer

No

Balance Transfer

cashback

No

Cashback

Features

  • This is an Islamic Card.
  • This card is not transferable and can only be used by the person subscribing for this card.
  • You can also avail cash advance with this card, as acceptable by the card.
  • This card allows complete confidentiality and doesn't allow any disclosure of any information.
  • A Murhaba profit rate will be fixed for the entire duration of this card.
  • You can also avail free supplementary cards along with this card.
  • The Forex rate for this card stands at 2.75%
  • You get an interest free period of 55 days with this card.
  • The minimum salary required for this card is AED 8000 for this card.
  • There is an annual fee of AED 250 on this card.

Main Benefits

  • This card comes with an accidental death cover of $75000.
  • This card also takes care of your legal expenses.
  • This card will also help in emergency medical evacuation for an amount of $100000
  • You can avail purchase protection with this card for all your purchases made on this card.
  • Get protection on your ticket booked with this card.
  • Get Cash point protection as and when required with this card.
  • Get Creditor protection with this card.
  • This card is the first card that will help you provide protection in the case of loss of your passport.

Frequently Asked Questions

⭐ What is the amount that I can recover in the case of loss of my passport?

A. You can recover an amount of AED 1000 with this card.

⭐ What are the reward programs available on this card?

A. There are no reward programs on this card.

⭐ When can I avail creditor protection?

A. You can avail creditor protection only in the case of an accident.

⭐ What are the benefits that I can avail with 'Ticket Protection'?

A. You can reimburse the amount of the ticket in the event of an accident or a disease. You can reimburse for an amount of 4 tickets for an event, plus 10% of the booking fee.

⭐ Can the supplementary cardholder continue using the card upon the death or an accident of the primary cardholder?

A. No, the supplementary cardholder cannot use the card. The card has to be returned to the bank.

   Get in touch with Al Hilal Bank Customer Care

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