Al Hilal Bank Smart Covered Card-Free for Life Classic
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 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.
This product is discontinued by the Bank
Smart Covered Card-Free for Life Classic
- This card is an Islamic card.
- You can avail instant cash with this card as and when you need it.
- Receive extended warranty and purchase protection with this card.
- Avail supplementary cards for your family with this card.
- The Forex rate on this card stands at 2.75%
- You get an interest free period of 55 days with this card.
- You need a minimum salary of AED 8000 to avail this card.
- This card is free for life.
- Get 15% off the ticket price for the luxury coach service, Packages, Shopping Chic Outlet and Chauffeur Drive service and Shopping Express.
- VISA cardholders can avail discounts all over MENA at over 25 outlets.
- Avail 20% off at Jumeirah Dining Establishments.
- Enjoy up to 25% discount with VISA timeout offers.
- Enjoy upto 12% discounts with AGODA.
- Avail roadside assistance with this card.
- Also get VISA explore app with this card.
- Get medical and travel assistance as and when needed.
- You can receive 1.5 Joud points for every AED 1 spent on domestic purchases.
- You can receive 2 Joud points for every AED 1 spent on international purchases.
- You can redeem these points for flights, hotels, shopping and charity.
Frequently Asked Questions
⭐ What is the minimum spend required to avail joud points?
A. You need to make a minimum spend of AED 10,000 on both local and international purchases to avail Joud points.
⭐ What is the interest rate on this card?
A. There is no interest rate, but a profit rate (murhaba rate) of 2.65% on this card.
⭐ How many supplementary cards can I avail with this card?
A. You can avail three free supplementary cards with your primary card.
⭐ Is there a cash advance fee on this card?
A. Yes, there is a cash advance fee of 3%. You can avail cash advance of 60% with this card.
⭐ Can I avail the same benefits on my supplementary card?
A. Yes, you can avail the same benefits on your supplementary card like your primary card.
Get in touch with Al Hilal Bank Customer Care
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