Last Updated on 22 August 2023

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 World Elite Mastercard

Al Hilal Bank Bank

World Elite Mastercard

Al Hilal Bank World Elite Mastercard
Profit Rate

2.99%

Minimum Salary

AED 8K

Fx Rate

3.14%

Annual Fee

AED 2.5K

Balance Transfer

Yes

Al Hilal Bank World Elite Mastercard
interest rate

2.99%

Profit Rate

min salary

AED 8K

Minimum Salary

fx rate

3.14%

Fx Rate

annual fee

AED 2.5K

Annual Fee

bal transfer

Yes

Balance Transfer

View details on bank page

Main Benefits

  • Can earn 340,000 Joud reward points as sign up bonus
  • The World Elite Mastercard confers a wide selection of travel benefits, exceptional rewards and lifestyle privileges.
  • Get complimentary access to Wifi
  • Enjoy uninterrupted internet access with over 1 million hotspots locations throughout the world.
  • Enjoy Balance transfer facility at 0% profit rate & flexible repayment term. Minimum balance transfer amount is AED 1000
  • Get cash against the credit limit and enjoy 0% profit with flexible repayment terms. Minimum amount of instant cash is AED 5000
  • Cardholders can earn 6 Joud Reward Points for every AED 4 of local spending.
  • Cardholders can earn 8 Joud Reward Points for every AED 4 of international retail spend.
  • Add your Al Hilal Bank world elite credit card and tap to make purchases. Pay with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
  • Can avail buy 1 get 1 free offers at various outlets
  • Complimentary access to 1000+ airport lounges worldwide and 450 cities across the globe
  • Get complimentary nights at Marriot Bonvoy hotels and Soneva
  • 10% discounts on International round trip booked with the credit card
  • Enjoy 10% website wide products on Farfetch
  • Black membership with global hotel alliance
  • Get 40% off on travel visa for countries Australia, Canada, UK, New Zealand, Singapore, Saudi Arabia & Schengen countries
  • Can avail world elite concierge facilities
  • Can avail travel and medical insurance
  • Get 20% off on Careem rides for up to 3 rides each month using Promo code MASTERCARD

Frequently Asked Questions

⭐ Is there any criterion to avail Joud reward points?

A. Yes. Joud reward points are provided only to paying first year annual fees.

⭐ What is the annual fees charged if I opt for Joud reward points?

A. AED 2500 is the annual fees charged on opting Joud reward points scheme.

⭐ What does the travel insurance cover?

A. The travel insurance covers loss of baggage, Trip Cancellation, Delay of baggage, Trip Curtailment, Trip delays and missed connection.

⭐ Can I take a guest along with me to the airport lounges?

A. Yes. One guest can accompany the primary cardholder to the airport lounge for free.

⭐ What is the annual fees charged from year 2?

A. AED 2500 is the annual fees from second year onwards.

   Get in touch with Al Hilal Bank Customer Care

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