Purchase Protection on Credit Cards in UAE
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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.
Thank you for providing your details.List of Credit Card offering Purchase Protection in UAE
Advantages
- Air Miles
- Lifestyle Offers
- Balance Transfer
Features
- Earn rewards on every spend and redeem them for flights, hotels, shopping, and more.
- Enjoy up to 56 interest-free days on purchases when balance is paid in full.
- Transfer balances from other UAE credit cards to save on interest.
Features
- Earn rewards on every spend and redeem them for flights, hotels, shopping, and more.
- Enjoy up to 56 interest-free days on purchases when balance is paid in full.
- Transfer balances from other UAE credit cards to save on interest.
- Get a complimentary 12-month Careem Plus subscription.
- Avail up to 50% off dining bills with Zomato Gold membership.
- Enjoy discounts at over 400 restaurants across the UAE.
- Access 200+ lifestyle offers across dining, retail, and hotels in MENA.
- Get Buy 1 Get 1 Free movie tickets every month with minimum spend.
- Enjoy up to 25% off food and drinks at cinemas across the UAE.
- Benefit from automatic extended warranty up to 1 year on purchases.
- Shop confidently with purchase protection against theft or damage.
- Add your card instantly to your digital wallet via the HSBC UAE app.
- The Forex rate stands at 2%
- You get an interest free period of up to 56 days.
- You require a minimum salary of AED 5,000 to be eligible for this card.
- You can transfer your balance at the rate of 0% for 6 months.
There is a processing fee of 2.99% or AED 200, whichever is higher. - There is no annual fee for this card.
the Annual Percentage Rate on outstanding purchases and cash withdrawals on all HSBC credit cards will increase to 44.28%.
Benefits
- Earn travel rewards and redeem for flights, hotels, and holiday packages.
- Save more with dining, shopping, lifestyle, and cinema discounts.
- Get extra peace of mind with extended warranty and purchase protection.
- Manage finances better with balance transfer options and lower interest costs.
- Access global offers across 19,000 outlets in over 160 countries.
- Enjoy instant card access through digital wallet without waiting for delivery.
- Get up to 1 airmile for every AED 4 spent
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Advantages
- Earn 2 membership rewards per every AED 4
- No annual fees
- Free access to airport lounges
Features
- Get various rewards on travel, dining and premium shopping.
- You need to pay in full installments.
- Get complimentary pass membership, which enables a basic card holder or a guest to access over 1300 airports' complimentary lounges in over 140 countries.
Features
- Get various rewards on travel, dining and premium shopping.
- You need to pay in full installments.
- Get complimentary pass membership, which enables a basic card holder or a guest to access over 1300 airports' complimentary lounges in over 140 countries.
- Complimentary travel accident insurance and inconvenience cover when you book your airline tickets with this card.
- You should be of 21 years and above to avail this card.
- Worldwide customer care and emergency card replacement insurance.
- The membership reward points of this card never expire.
- The Forex rate on this card is 2.8%
- There is an annual interest rate of 39%
- There is an annual fee of AED 3,100 (AED 3,255 inclusive of VAT) on this card.
Benefits
- Discounts on dining, health, leisure and shopping.
- Access to 1300 airport lounges across the globe with priority passes.
- Comprehensive travel insurance and emergency assistance through global assist.
- An exclusive 10% off airfares from select British Airways flights from the middle east.
- You can get online and SMS alerts.
- You can also ask for a supplementary card if required.
- Can avail of a discount of up to 25% on First & Business Class when booking flights with top airlines through the International Airline Programme. T&Cs apply.
- Exclusively for new customers: Apply through the Amex MENA app and earn up to 30,000 bonus membership reward points. T&Cs apply.
- Apply through digital applications and get shopping credit up to AED 1100.
- Complimentary enrollment into membership rewards program, with 2 points earned for every AED 4 spend.
Advantages
- Upto 5% cashback
- 20% cashback on Zomato
- AED 500 cashback as signup bonus
Features
- Provides high cashback with no restrictions
- Get high dining offers
- 5% is the outstanding bill is the minimum payment amount
Features
- Provides high cashback with no restrictions
- Get high dining offers
- 5% is the outstanding bill is the minimum payment amount
- 3.85% is charged as interest rate
- Minimum income of AED 5000 is needed
- No Annual Fees are charged
Benefits
- Ultimate cashback is provided on all purchases
- No annual fee is charged for life
- 5% cashback is provided on dining expenses in the UAE
- 2% cashback is provided on international purchases
- 1% cashback is provided on local expenses
- Get 20% cashback at Zomato, Netflix, etc. for the first 6 months
- Avail discounts at DragonFly & Dine Programme
- Wide range of deals and discounts on Visa app at restaurants, entertainment, travel booking and much more
- Can get upto 30% off at restaurants through Mashreq Flavours
- Provides PayProtect Insurance
- Get AED 500 cashback is offered for new customers as a welcome bonus (on spending AED 5000 in Acquisition month + 2 months of card activation)
Advantages
- Reward points
- Up to 30% off on dining
Features
- Emirates NBD Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant cash option up to 50%.
- Protect plus insurance.
Features
- Emirates NBD Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant cash option up to 50%.
- Protect plus insurance.
- The Emirates NBD Installment plan.
- Utility bill payments only in UAE.
- Forex rate stands at 1.99%
- You get an interest free period of 55 days.
You need to pay a minimum amount of 5% or AED 100. - You need a minimum salary of AED 12,000
- You can balance your transfer at the rate of 0.8% with a choice of 3 to 36 months.
- There is an annual fee of AED 735.
Benefits
- Earn Plus Points on Retail Spends – Get rewarded on every purchase with up to 1.5 Plus Points for every AED 100 spent.
- Bon Appétit Dining Privileges – Savor up to 30% discount at 2,000+ restaurants across the UAE, making every dining experience more rewarding.
- LiveWell Benefits – Enjoy up to 50% savings on health and fitness services, along with free insurance coverage on major purchases.
-
Emirates NBD Credit Card offers the New Credit Shield Pro feature includes
- 0.99% on monthly fee on outstanding balance- Each cardholder can get decease cover up to AED 300,000- In case of hospitalization get AED 100 pay out per day. T&Cs apply- Can get job loss cover up to AED 60,000 up to 1 year or re-employmentWith Emirates NBD Visa Platinum Credit Card, you could earn 1728 plus points per year
- Enjoy cashless payments using your smartphone or smart watch
- Shop to your heart content and payback in small amounts without any interest charges
- Get great discounts on dining with easy installment plans and cash on card
- Get travel benefits with discounts from 15 % to 30 % on hotels and resorts
- Get shopping discounts at 15% at giving the movement and Ferns and petals
- Get 0% installment discounts
- Spending at Al Rostamani travels you can enjoy 6 on purchases above AED 1500/- and above or 12 months 0% Installment on purchase above AED 5000/-. Offer is valid until 31 December 2099
- Enjoy with Emirates Holidays at 3, 6 or 12 months 0% Installment on purchase of AED 500 and above- Offer is valid until 31 December 2099
- Earn Plus Points on Every Spend – Collect 1.5 Points for every AED 100 spent, rewarding you on daily transactions.
- Category-Specific Rewards – Get 0.4% Points on supermarkets, groceries, insurance, and car dealerships, plus 0.2% Points on fuel, utility bills, real estate, and education.
- You can redeem points for vouchers from popular merchants,cashback or annual fee waiver and frequent flyer miles.
Advantages
- 5 Vantage points on every 1 AED
- AED 2000 cashback as a welcome bonus
Overview
- Can get 2 free access to airport lounges worldwide
- Maximum 8 free entries are provided to the airport lounges per year
- A minimum spend of AED 7000(pm)in the last billing cycle is required to get 2 free access to airport lounges and free pickup and drop service to the airport
Overview
- Can get 2 free access to airport lounges worldwide
- Maximum 8 free entries are provided to the airport lounges per year
- A minimum spend of AED 7000(pm)in the last billing cycle is required to get 2 free access to airport lounges and free pickup and drop service to the airport
- Can get free visits to FitnessFirst centers at selected locations
- Earn 1 Vantage points on purchases made in the UAE using the card
- Earn 3 Vantage points on purchases made outside the UAE using the card
- Can get up to 50% on dining, entertainment, leisure and much more
- AED 156.45 is charged as annual fee on supplementary card
Features
- This card is a charge card, but not a credit card.
- There is no pre set spending limit on this card.
- Get complimentary retail protection insurance with this card.
Features
- This card is a charge card, but not a credit card.
- There is no pre set spending limit on this card.
- Get complimentary retail protection insurance with this card.
- The person should be of the age 21 and above to avail this card.
- You can get worldwide customer care with this card.
- The Forex rate on this card is 2.8%
- There are no interest charges on this card.
- You need to have an annual income of at least USD 60,000 (employed) and USD 75,000 (self-employed)
- There is no balance transfer facility on this card.
- There is an annual fee of USD 95 (US$ 99.75 inclusive of VAT) to avail this card.
There is an annual fee for membership which is USD 25.
Benefits
- You get a retail protection insurance of USD 1000 per occurrence and USD 30000 for any theft or any accidental occurrence per year.
- Online and Fraud protection guarantee.
- 24/7 Customer service.
- Online account access and E Statement alerts.
- Travel accident insurance of up to USD 1,00,000
- Travel inconvenience cover of up to USD 750.
- Enjoy various membership rewards with american express.
- Points will never expire and can be redeemed for complimentary flights and upgrades with 12 airline partners, that includes Emirates Skywards, Etihad Guest, Flying Blue (KLM and Air France), Asia Miles, British Airways Executive Club, Delta SkyMiles, Gulf Air Falcon Flyer, Iberia Plus, Qatar Airways Privilege Club, Royal Plus Programme, and Oman Air Sindbad.
- Points can also be redeemed for complimentary electronics , shopping vouchers, fashion accessories,hotel nights and much more.
Features
- Get 150,000 Air Miles when you spend AED 12,000 in the first 60 days (offer valid until 31 Oct 2025).
- Earn 1 Air Mile for every AED 1 spent on your card.
- Complimentary travel insurance when you book return airline tickets with your card.
Features
- Get 150,000 Air Miles when you spend AED 12,000 in the first 60 days (offer valid until 31 Oct 2025).
- Earn 1 Air Mile for every AED 1 spent on your card.
- Complimentary travel insurance when you book return airline tickets with your card.
- Buy 1 Get 1 Free movie tickets every month with minimum AED 6,000 spend and up to 25% off cinema F&B.
- Complimentary 12-month Careem Plus subscription.
- Avail up to 50% off dining bills at 4,000+ restaurants with Zomato Gold.
- Get 20% off food or grocery orders twice a month on Talabat with code "MASTERCARD".
- Access worldwide offers on dining, travel, and shopping with the Home & Away programme.
- Save up to 30% on Samsung products including phones, laptops, and TVs.
- Enjoy VIP shopping privileges and lounge access at Bicester Village locations worldwide.
- Receive 1 complimentary airport ride with Careem per year (up to AED 84).
- Get up to 10% off hotels with Agoda and enjoy best-rate guarantees.
- Enjoy 15% off at 5,500+ IHG Hotels worldwide with free late checkout.
- Earn up to 7% back as wallet credits on Booking.com stays (capped at EUR 200).
- Access 8 complimentary airport lounge visits annually worldwide with Mastercard Travel Pass.
- Get special Hertz Gold Plus Rewards® President’s Circle benefits, including up to 15% off rentals.
- Save up to 10% on Budget car and truck rentals worldwide.
- Free 2-year MyUS membership with up to 30% off international shipping.
- Add your card instantly to your digital wallet via the HSBC UAE app for contactless use.
- The Forex rate stands at 2%
- You get an interest free period of up to 56 days.
- You need a minimum salary of AED 50000 to avail this card. Must have HSBC Premier Account.
- You can transfer your balance at the rate of 0% for 6 months.
There is a processing fee of 2.99% or AED 200, whichever is higher. - There is no annual fee on this card.
the Annual Percentage Rate on outstanding purchases and cash withdrawals on all HSBC credit cards will increase to 44.28%.
Benefits
- Earn generous Air Miles and redeem them for flights, hotels, and exclusive travel rewards.
- Protect your trips with complimentary travel insurance.
- Save big on dining, groceries, and lifestyle with Careem Plus, Zomato Gold, and Talabat discounts.
- Get unbeatable travel privileges like lounge access, free rides, hotel savings, and global offers.
- Enjoy premium shopping benefits with discounts on Samsung, MyUS shipping, and Bicester Village perks.
- Enhance entertainment with monthly cinema offers and F&B discounts.
- Access exclusive car rental upgrades and discounts for smoother travel.
- Instant digital card access for convenient, secure, and contactless payments.
- Earn 1 air mile for every 1 AED spent on your Premier credit card.
Advantages
- Earn 1 reward point per every AED 4
- Free travel insurance
- Free access to airport lounges
Features
- 24/7 Customer service.
- You need to pay the bill in full or in installments.
- Worldwide customer care and emergency card replacement available with this card.
Features
- 24/7 Customer service.
- You need to pay the bill in full or in installments.
- Worldwide customer care and emergency card replacement available with this card.
- You should be of 21 years and above to avail this card.
- You should have an annual income of AED 1,80,000 and AED 2,75,000 for self employed.
- Exclusive worldwide offers for travel, leisure and dining.
- Get access to membership rewards loyalty program.
- The Forex rate on this card is 2.8%
- Annual interest rate of 39%.
Get 56 days of interest free days. - The annual fee applicable on this card is AED 395 (AED 414.75 inclusive of VAT). Plus an AED 100 annual fee for enrollment into the Membership Rewards Loyalty Program.
Benefits
- Complimentary access to airport lounges across middle east.
- Travel accident insurance of up to USD 3,50,000.
- Travel inconvenience cover of up to USD 4000.
- An exclusive 10% off airfares from select British Airways flights from middle east.
- Online fraud protection guarantee.
- Retail protection insurance cover and insurance against accidental theft and damage.
- Access to membership rewards program by getting 1 reward point to every 4 AED spent.
- You can redeem membership reward points with skyward miles, Etihad guest miles and more airlines.
Features
- Earn up to 7 Etihad Guest Miles for every AED 10 spent with Etihad Airways & partners
- 3.5 miles for domestic spends, 6 miles for non-AED international spends
- Earn Etihad Tier Miles: 2.5 Tier Miles for every AED 10 spent
Features
- Earn up to 7 Etihad Guest Miles for every AED 10 spent with Etihad Airways & partners
- 3.5 miles for domestic spends, 6 miles for non-AED international spends
- Earn Etihad Tier Miles: 2.5 Tier Miles for every AED 10 spent
- Welcome bonus: 55,000 Etihad Guest Miles on activation + 55,000 bonus miles (limited-time offer, spend-based)
- Supplementary cards also earn a bonus of 5,000 miles
- Optional Miles Accelerator Programme: Earn 7.5 miles for every AED 10 across all purchases (for AED 250/month)
- Receive a 75% Etihad Guest Miles Discount Voucher on annual spends of AED 200,000
- Fast track to Etihad Guest Gold status with 1 return flight within 6 months of activation
- 4 complimentary inflight Wi-Fi vouchers (valid for 1 year)
- 6 discounted airport transfers per year (from AED 40 within city / AED 100 inter-city)
- 6 discounted Meet & Greet services annually (from AED 40 individual / AED 100 family)
- Free access to over 1,000 airport lounges globally (12 visits per year) via Visa
- 6 discounted cinema tickets monthly (AED 20 each at Reel, Cine Royal, Star Cinemas)
- Exclusive golf discounts at premium courses
- 24/7 Travel Concierge Service through Visa
- Complimentary international medical & travel assistance
- Free travel accident insurance up to USD 1 million
- Purchase Protection & Extended Warranty (12 months extra coverage)
- Fraudulent Transaction Protection included
- Credit Shield to secure outstanding balances in unforeseen situations
- The interest of cash advance is 3.99% per month
The interest on Retail purchases is 3.99% per month. - A minimum salary of AED 30,000 is required
- Annual fee: AED 2,500 (first year free for eligible Emirati & Elite customers with AED 175,000 spend target in 6 months)
Benefits
- Unlock up to 220,000 Etihad Guest Miles through welcome offers and milestone spends — perfect for booking reward flights
- Save significantly with the 75% Miles Discount Voucher, reducing miles needed for flights across any class & destination
- Fast-track to Etihad Guest Gold Membership, giving you extra travel perks faster than usual
- Stay connected in the air with 4 free inflight Wi-Fi vouchers on Etihad flights
- Travel conveniently with discounted airport transfers and Meet & Greet services for smoother journeys
- Enjoy global lounge access at over 1,000 airports, making travel more comfortable
- Boost lifestyle perks with discounted movie tickets and exclusive golf privileges
- Get personalized assistance anytime with the 24/7 Travel Concierge Service
- Travel worry-free with medical & travel insurance, including trip cancellation, delays & emergencies
- Extra safety with USD 1 million travel accident cover and protection against unauthorized transactions
- Peace of mind on shopping with Purchase Protection & Extended Warranty
- Spread rewards with supplementary cards that also earn bonus miles
- Flexible earning potential with the Miles Accelerator Programme for frequent spenders
- Build a stronger travel lifestyle by earning both Guest Miles & Tier Miles on everyday spending
Features
- Get a guaranteed 35,000 Etihad Guest Miles welcome bonus upon card activation
- Supplementary cardholders receive 5,000 welcome miles
- Double joining miles: 35,000 miles on activation + 35,000 bonus miles on meeting spend criteria
Features
- Get a guaranteed 35,000 Etihad Guest Miles welcome bonus upon card activation
- Supplementary cardholders receive 5,000 welcome miles
- Double joining miles: 35,000 miles on activation + 35,000 bonus miles on meeting spend criteria
- No annual fee in the first year for Emirati and Elite customers (based on AED 75,000 spend in 6 months)
- Receive up to 70,000 bonus miles with a six-month spend target of AED 75,000
- Earn 2.75 Etihad Guest Miles per AED 10 spent on domestic purchases
- Earn 4.5 Etihad Guest Miles per AED 10 spent internationally in non-AED currency
- Earn 5.5 Etihad Guest Miles per AED 10 spent with Etihad Airways and its partners
- Earn 2.5 Etihad Tier Miles for every AED 10 spent locally or abroad
- Optional Miles Accelerator Programme: Earn 6.5 miles per AED 10 spent for AED 250/month
- Get two discounted airport transfers per year (AED 40 within city / AED 100 intercity)
- Enjoy up to 8 complimentary visits to 1,000+ global airport lounges annually
- Receive two complimentary inflight Wi-Fi vouchers valid for 24 hours each
- Get four discounted cinema tickets monthly for AED 20 at Reel Cinemas, Cine Royal, and Star Cinemas
- Avail discounts at premium golf courses across the UAE and beyond
- 24/7 Travel Concierge Service for bookings and assistance
- Special Visa offers and lifestyle discounts across hotels, dining, and shopping
- Complimentary International Medical and Travel Assistance
- Travel Accident Insurance coverage up to USD 500,000
- Purchase Protection and Extended Warranty for 12 additional months
- Automatic Fraudulent Transaction Protection
- Credit Shield coverage on outstanding balance
- The interest of a cash advance is 3.99% per month
The interest on Retail purchases is 3.99% per month. - A minimum salary of AED 15,000 is required
- Annual fees of AED 1500 is charged
Benefits
- Enjoy a generous welcome reward of up to 70,000 Etihad Guest Miles for a faster start to travel perks
- Earn miles on every spend – both locally and internationally – to redeem for flights, upgrades, and rewards
- Fast track to Etihad Guest Silver membership by completing two return flights within six months
- Unlock an annual 50% Etihad Guest Miles Discount Voucher on spending AED 150,000 – cutting your reward flight cost in half
- Access over 1,000 airport lounges worldwide for you and your guests, ensuring comfort before every flight
- Stay connected on Etihad flights with complimentary inflight Wi-Fi vouchers
- Save on entertainment with discounted cinema tickets and exclusive golf course privileges
- Get peace of mind with global travel insurance, medical assistance, and accident coverage while abroad
- Protect your purchases with extended warranty and coverage against theft or damage
- Safeguard your finances with fraud protection and Credit Shield in case of unexpected situations
- Simplify travel planning with 24/7 concierge support for bookings, reservations, and recommendations
- Take advantage of Visa lifestyle offers for dining, shopping, and leisure experiences
Purchase Protection
Along with several benefits on a Credit Card, Purchase Protection is also a perk that helps the cardholder during any mishaps with the card. Purchase Protection is a potential benefit provided on a credit card that helps in getting a reimbursement for the damaged or stolen products purchased using the card. This is similar to insurance for the products purchased using a credit card.
While the majority of the credit card providers offer purchase protection features on their card, the term “Purchase Protection” may differ from each provider or card like “Damage and Theft Protection” or “Purchase Security”. The overall working of the benefits would be the same.
When you buy something using a credit card, it’s not just cashback or rewards that add value but also the purchase protection which acts as a shield for your money if any damages occur to the purchased item. Along with other amazing benefits on a credit card, the card applicant must also verify the key benefits like Purchase Protection and the terms and conditions regarding it.
Working of Purchase Protection on Credit Card
The working of purchase protection on a credit card is quite simple. It is a benefit you might have heard about while applying for a credit card. If you have bought an expensive product using your credit card, and if the item is stolen or damaged right after you bought it or at a specific time period, the purchase protection will cover you with the financial loss.
Once the purchased item is stolen or damaged, the cardholder needs to inform the credit card provider within a specific time period of 30 to 120 days. However, this limit may vary with each card provider. And the claim benefit will be valid only if reported within 24 hours to 90 days of the purchase made (varies with the provider). The total coverage provided on the product also varies from provider to provider.
For example, if you’ve bought an iPhone for $1000 using a credit card and if the iPhone is damaged right after a few days you’ve bought it. Then you can request the claim and the officials of the credit card company will prepare the further investigation with the documents submitted and reimburse it. The cardholder may get the entire $1000 as the reimbursement or some parts of it as per your card provider and the plan.
| Citi | Visa | Mastercard | Amex | |
| Duration | Within 90 days of Purchase | Within 365 days of Purchase | Within 90 days of Purchase | Within 90 days of Purchase |
| Maximum Coverage per annum | USD 5000 | USD 20,000 | USD 5000 | USD 50,000 |
| Maximum Coverage per incident | USD 2000 | USD 7500 | USD 2000 | USD 2000 |
| Covers only | Damaged or Stolen | Damaged or Stolen | Damaged or Stolen | Damaged or Stolen |
What all are covered in a Purchase Protection?
Most of the credit card providers are specific about their Purchase Protection cover and what all is covered in it. The credit cardholder must check the terms and conditions of the same. Though the coverage details vary with each provider, some of the basic covered scenarios are,
- Stolen - If your product is stolen you must register a police complaint within 24hrs of the theft and simultaneously make a claim of purchase protection. The card providers won’t accept a stolen claim without a police complaint.
- Damage - Accidental damages to the product is covered
When a Purchase Protection doesn’t work?
Definitely, purchase protection is one of the key benefits of a credit card. But not everything is covered on purchase protection like,
- Lost the product but reported it as stolen
- Certain purchases like motorcycles, cars, etc. and their accessories
- Refrigerators, Air conditioners, Heaters, etc.
- Pet consumables, cash vouchers, traveller cheques, jewellery, watches, precious stones and other valuable metals like gold, silver, platinum
- Electronic items, Mp3 players, iPod, Computer and related equipment
- Services purchased
- Damages caused intentionally
How to make a claim for Purchase Protection?
Once your product purchased using a credit card is accidentally damaged or stolen, then ensure your product will fall is eligible for a claim then you can register a claim within 24 hrs to 30 days of the mishap depending upon your card provider. In the case of theft, you need to register a police complaint before requesting purchase protection coverage.
- Documents required while making a claim
- Emirates ID
- Cardholder Name
- Card Number
- Police Complaint details (in the case of stolen)
- Brief details of the claim
- Date of purchase, Purchase ID
With the above-listed documents, you can contact the customer support of your credit card provider.
FAQs
Q. How do I know if my credit card offers Purchase Protection benefits?
A. You can check your bank website or contact customer support to know the status of the Purchase Protection on your credit card.
Q. How long will the reimbursement of purchase protection take?
A. The reimbursement time depends on the credit card provider. It may take 15 days to 30 days or more than that.
Q. Should we provide the damaged items while claiming reimbursement?
A. Yes. In the case of a damage claim, the cardholder must submit the damaged product to the card provider if required.
Q. Is the purchase protection valid on products purchased online?
A. Yes. Purchase Protection is valid on the products purchased online.
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