Credit Card Provided By Al Hilal

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 information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Marino, San Marino, Vatican and Isle of man. The content on this website 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. Find your nearest Citi branch: www.findmyciti.com/ae/. Call us at: +971 4 311 4000.

Address: Citibank UAE, P.O. Box 749, Dubai, United Arab Emirates.

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Check Eligibility for Al Hilal Credit Card

You are eligible to apply for a Al Hilal
Credit Card .

You may not be eligible * to apply.

* Minimum salary AED 8000 required to apply for a Al Hilal Credit Card .

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Features of Al Hilal Credit Card

  • Earn Joud points on every purchase
  • Travel benefits
  • Low rates and charges
  • Card is provided on the basis of sharia compliant

Eligibility Criteria of Al Hilal Credit Card

  • A minimum salary of AED 8000 is required
  • The card applicant must be of 21-60 years old
  • Both self-employed and salaried individuals are eligible

Documents Required of Al Hilal Credit Card

  • 3-6 months bank statements
  • Emirates ID
  • Valid Resident Visa and passport
  • Salary certificate(for working individuals)
  • Trade license (for self-employed)

Al Hilal Credit Card Profit Rates

Al Hilal Bank

8 Al Hilal Bank Credit Cards

Emirati World Elite Exclusive Credit Card

Al Hilal Bank Emirati World Elite Exclusive Credit Card
Profit Rate

1.99%

Fx Rate

3.14%

Annual Fee

AED 5.25K

Cashback

No

interest rate

1.99%

Profit Rate

fx rate

3.14%

Fx Rate

annual fee

AED 5.25K

Annual Fee

cashback

No

Cashback

Features

  • Can get high lifestyle and travel privileges
  • Profit rate of 1.99% is charged per month
Apply Now

Features

  • Can get high lifestyle and travel privileges
  • Profit rate of 1.99% is charged per month

Benefits

  • Free access to VIP Terminal at the Abu Dhabi International airport with priority check in, airport transfers
  • Free Wi-Fi access at over 1 million hotspot locations worldwide
  • Earn 1.5 Joud rewards per every AED 1 spent in the UAE
  • Earn 2 Joud rewards per every AED 1 spent outside UAE
  • Avail Buy 1 - Get 1 free offers at dining, hotels, spas, etc
  • Free access to around 850 airport lounges worldwide
  • Hotel bookings at Marriott Bonvoy Hotels can get complimentary night stays
  • 40% OFF on travel visa services to UK, Schengen countries, Australia, Saudi Arabia, New Zealand
  • Can get travel and medical insurance
  • Get world elite concierge service that is available 24/7
Apply Now
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Smart Covered Card-Free for Life Platinum

Al Hilal Bank Smart Covered Card-Free for Life Platinum
Profit Rate

2.39%

Minimum Salary

AED 8K

Fx Rate

2.75%

Annual Fee

AED 0

Balance Transfer

No

Cashback

No

interest rate

2.39%

Profit Rate

minimum salary

AED 8K

Minimum Salary

fx rate

2.75%

Fx Rate

annual fee

AED 0

Annual Fee

balance transfer

No

Balance Transfer

cashback

No

Cashback

Features

  • This is an Islamic Card.
  • This card provides competitive pricing without any hidden charges.
  • A Murhaba profit rate will be fixed for the entire duration of this card.
Apply Now

Features

  • This is an Islamic Card.
  • This card provides competitive pricing without any hidden charges.
  • A Murhaba profit rate will be fixed for the entire duration of this card.
  • This card is free for life that is, it doesn't charge any annual fee for this card.
  • You can also avail free supplementary cards along with this card.
  • This card comes in two other types: Gold and Classic.
  • 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.
  • 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.

Benefits

  • Receive extended warranty and purchase protection on all your purchases made with this card.
  • Receive a VIP card for an additional 10% savings on purchases made at Chic outlet villages.
  • Avail 10-25% off at First mall, Egypt shopping.
  • Avail 20% off at Jumeirah dining establishments.
  • Avail 25% discount with VISA Time out Dubai offers.
  • Avail Agoda and Avis card discounts with this card.
  • Avail various offers with YQ on this card.
  • Medical and travel assistance with this card.
  • Access more than 900 properties with Visa Luxury Hotel Collection.
  • Avail Emergency roadside assistance with this card.
Apply Now
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Emirati World Mastercard Credit Card

Al Hilal Bank Emirati World Mastercard Credit Card
Profit Rate

2.99%

Fx Rate

3.14%

Annual Fee

AED 787

Cashback

No

interest rate

2.99%

Profit Rate

fx rate

3.14%

Fx Rate

annual fee

AED 787

Annual Fee

cashback

No

Cashback

Features

  • Provides lifestyle, travel benefits
  • Can get high rewards on the purchases made using the card
  • Profit rate of 2.99% is charged per month
Apply Now

Features

  • Provides lifestyle, travel benefits
  • Can get high rewards on the purchases made using the card
  • Profit rate of 2.99% is charged per month

Benefits

  • 100,000 Bonus Joud Reward Points are provided
  • Free Wi-Fi access at over 1 million hotspot locations worldwide
  • Earn 1.25 Joud rewards per every AED 4 spent in the UAE
  • Earn 1.75 Joud rewards per every AED 4 spent outside UAE
  • Avail Buy 1 - Get 1 free offers at dining, hotels, spas, etc
  • Free access to around 850 airport lounges worldwide
  • Book a SPG hotel and get complimentary night stay
  • 40% OFF on travel visa services to UK, Schengen countries, Australia, Saudi Arabia, New Zealand
  • Can get travel and medical insurance
  • Can get Hertz Gold Plus rewards five star membership which give up to 15% off on the bookings
Apply Now
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World Mastercard Credit Card

Al Hilal Bank World Mastercard Credit Card
Profit Rate

2.99%

Fx Rate

3.14%

Annual Fee

AED 1.05K

Cashback

No

interest rate

2.99%

Profit Rate

fx rate

3.14%

Fx Rate

annual fee

AED 1.05K

Annual Fee

cashback

No

Cashback

Features

  • It offers lifestyle and travel privileges
  • Provides Joud reward points
  • Profit rate charged on the card is 2.99%
Apply Now

Features

  • It offers lifestyle and travel privileges
  • Provides Joud reward points
  • Profit rate charged on the card is 2.99%

Benefits

  • 340,000 Bonus Joud Reward Points are provided
  • Complimentary access to VIP Terminal at the Abu Dhabi International airport
  • Free Wi-Fi access at over 1 million hotspot locations worldwide
  • Earn 5 Joud rewards per every AED 4 spent in the UAE
  • Earn 7 Joud rewards per every AED 4 spent outside UAE
  • Avail Buy 1 - Get 1 free offers at dining, hotels, spas, etc
  • Free access to around 850 airport lounges worldwide
  • Book a SPG hotel and get complimentary night stay
  • 40% OFF on travel visa services to UK, Schengen countries, Australia, Saudi Arabia, New Zealand
  • Can get travel and medical insurance
Apply Now
View Details

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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

interest rate

2.99%

Profit Rate

minimum salary

AED 8K

Minimum Salary

fx rate

3.14%

Fx Rate

annual fee

AED 2.5K

Annual Fee

balance transfer

Yes

Balance Transfer

Benefits

  • Can earn 340,000 Joud reward points as sign up bonus
  • Earn 8.5 Joud reward points on every 4 AED spent on local expenses
  • Earn 13.4 Joud reward points on every 4 AED spent on international expenses
Apply Now

Benefits

  • Can earn 340,000 Joud reward points as sign up bonus
  • Earn 8.5 Joud reward points on every 4 AED spent on local expenses
  • Earn 13.4 Joud reward points on every 4 AED spent on international expenses
  • Can avail buy 1 get 1 free offers at various outlets
  • Complimentary access to 850+ airport lounges worldwide
  • Get complimentary nights at SPG hotels
  • 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
  • 2 complimentary vouchers for access to the VIP Terminal at Abu Dhabi International Airport
Apply Now
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Etihad Guest Platinum Credit Card

Al Hilal Bank Etihad Guest Platinum Credit Card
Profit Rate

3.25%

Fx Rate

3.14%

Annual Fee

AED 525

Balance Transfer

Yes

Cashback

No

interest rate

3.25%

Profit Rate

fx rate

3.14%

Fx Rate

annual fee

AED 525

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • Can get high travel privileges
  • Exclusive travel rewards are provided
  • Can pay utility bills
Apply Now

Features

  • Can get high travel privileges
  • Exclusive travel rewards are provided
  • Can pay utility bills
  • Convert regular purchases to easy payment plan
  • Profit rate of 3.25% is charged

Benefits

  • Get 13,000 Etihad Guest Miles as signup bonus
  • Spend AED 12,000 per quarter and earn 3000 quarterly bonus miles
  • Earn 10,000 bonus guest miles on paying annual fee
  • Earn 4 guest miles per AED 10 spent on booking flight tickets on etihad.com
  • Earn 4 guest miles per AED 10 spent on purchases made outside UAE
  • Earn 2.75 guest miles per AED 10 spent in the UAE
  • Get 15% back on booking air tickets using the Etihad Guest Miles
  • Buy 1 - Get 1 free offers at 40+ partner outlets on the Entertainer App
  • Get discounts on dining at airport using DragonPass
  • Can get upto 25% OFF on staying at Jumeirah Properties
  • 20% OFF at Meraas Dining Establishments and Jumeirah Dining Establishments
Apply Now
View Details

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Etihad Guest Signature Credit Card

Al Hilal Bank Etihad Guest Signature Credit Card
Profit Rate

3.25%

Fx Rate

3.14%

Annual Fee

AED 1.05K

Balance Transfer

Yes

Cashback

No

interest rate

3.25%

Profit Rate

fx rate

3.14%

Fx Rate

annual fee

AED 1.05K

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • Provides high travel benefits
  • Can earn Etihad guest miles on spendings
  • Provides purchase protection and extended warranty
Apply Now

Features

  • Provides high travel benefits
  • Can earn Etihad guest miles on spendings
  • Provides purchase protection and extended warranty
  • Can convert regular payments to Easy Payment Plan
  • Profit rate charges is 3.25%

Benefits

  • Get 40,000 Etihad Guest Miles as welcome bonus
  • Spend AED 18,500 per quarter and earn 5000 quarterly bonus miles
  • Earn 20,000 bonus guest miles on paying the annual fee
  • Earn 5.75 guest miles per AED 10 spent on booking flight tickets on etihad.com
  • Earn 5.75 guest miles per AED 10 spent on purchases made outside UAE
  • Earn 5.75 guest miles per AED 10 spent in the UAE
  • Get 15% back on booking air tickets using the Etihad Guest Miles
  • Various Buy 1 - Get 1 free offers on the Entertainer App
  • Free access to airport lounges worldwide
  • Get discounts on dining at airport using DragonPass
  • Can get upto 25% OFF on staying at Jumeirah Properties
  • 20% OFF at Meraas Dining Establishments and Jumeirah Dining Establishments
  • Access to golf clubs at discounted rates
  • Free airport transfers are provided
  • Can get global concierge services for free
Apply Now
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Etihad Guest Infinite Credit Card

Al Hilal Bank Etihad Guest Infinite Credit Card
Profit Rate

3.25%

Fx Rate

3.14%

Annual Fee

AED 2.1K

Balance Transfer

Yes

Cashback

No

interest rate

3.25%

Profit Rate

fx rate

3.14%

Fx Rate

annual fee

AED 2.1K

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • Can get Etihad guest miles on purchases made using the card
  • High travel benefits can be availed
  • Provides purchase protection
Apply Now

Features

  • Can get Etihad guest miles on purchases made using the card
  • High travel benefits can be availed
  • Provides purchase protection
  • Profit rate charged is 3.25%

Benefits

  • Get 60,000 Etihad Guest Miles as welcome bonus
  • Earn 10,000 guest miles as quarterly bonus
  • Earn 40,000 guest miles as anniversary bonus
  • Earn 8.25 guest miles per AED 10 spent on booking flight tickets on etihad.com and purchases made outside UAE
  • Earn 5.75 guest miles per AED 10 spent in the UAE
  • Can get 15% back on booking flight ticket using the guest miles
  • Free upgrade to Etihad Guest Gold Tier status
  • Free unlimited access to airport lounges
  • Access to golf clubs at discounted rates
  • Discounts on dining at airport using Dragon Pass
  • 20% discount at Jumeirah Dining establishments and Meraas Dining establishments
Apply Now
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Al Hilal Credit Card Benefits

  • Can get free access to airport lounges globally
  • Get free wifi in the air and at the airport while traveling
  • Get free purchase and travel protection
  • Can replace card anytime
  • Can get cash anytime using the card
  • High discounts on shopping
  • Discounts on hotel bookings made at agoda.com
  • Discount on travel visa services

Frequently Asked Questions

⭐ What are the discounts provided for shopping?

A. Get up to 15% off on shopping using the Al Hilal credit card.

⭐ Does the travel insurance cover loss of passport also?

A. Yes, the travel insurance covers the loss/stolen passport expenses.

⭐ What is the discount provided for hotel bookings?

A. On hotel booking made on agoda.com up to 12% off is provided.

⭐ Is there any limit on the purchase protection?

A. Yes, per annum only 2 services are provided on purchase protection.

⭐ What is the discount provided on travel visa?

A. 40% off is provided on travel visa services.

⭐ How many joud points are earned on 1 AED?

A. On local expenses of 1.5 joud points are provided for 1 AED and on international expenses of 2 joud points are provided for 1 AED.

About Al Hilal

An Islamic bank, headquartered in Abu Dhabi, the Al Hilal Bank was founded by the Abu Dhabi Investment Council and is a government of Abu Dhabi undertaking. The bank was founded in 2008, and currently, has over 25 branches and a network of more than 100 ATMs across the UAE. According to the bank, the Al Hilal bank works with a mission, “To contribute to the national growth and prosperity of the UAE whilst raising the positive profile of Islamic banking globally, in turn, creating value for all stakeholders.”

Corporate Values of the Al Hilal Bank:

  • Principled: Doing what is right is always the right thing to do. The Performance with consistency.
  • Professional: Providing answers to questions, attending quickly and efficiently to requests and solving problems on the spot.
  • Progressive: Making banking simpler, easier and faster for you.
  • Partnership: A bank that values you, for being you. A bank that helps you make things happen.

   Get in touch with Al Hilal Customer Care

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