Ajman Bank BRight Platinum Credit Card

Ajman Bank BRight Platinum Credit Card

About Ajman Bank BRight Platinum Credit Card

Based on the sharia concept of Murabaha, this Ajman Bank credit card allows its cardholders to enjoy an ultimate rewards experience. It is the right choice for frequent travelers as it offers exclusive travel benefits to its card members. With the Ajman Bank BRight Platinum Credit Card, one can immediately start their next travel journey by using the complimentary BRight Rewards.

Key Features of Ajman Bank BRight Platinum Credit Card

Following are the key features of the Ajman Bank BRight Platinum Credit Card that make this card unique from other credit cards:

  • Samsung Pay: This Ajman Bank credit card allows its cardholder to enjoy secure payment experience through mobile by using Samsung Pay. It works almost all retailers in the UAE, making shopping easy and convenient.
  • Mobile Banking: This advanced feature of Ajman Bank BRight Platinum Credit Card helps card members to manage their credit card conveniently with the help of multi-function mobile banking.
  • Contactless Payment: This Ajman Bank credit card allows the card members to make contactless payments for smaller day to day shopping. Moreover, contactless payment is safe and secure. On top of that, it hardly takes a few seconds only.
  • Secure Online Purchases: This credit card lets the cardholder shop online with absolute peace of mind since online transactions are protected with the 3D secure feature of this card. This feature ensures that the card is now extra safe.
  • CHIP & PIN: This card ensures maximum security through personalized CHIP & PIN technology.
  • Easy Cash: Cardholders can make the most of their card with Easy Cash facility of Ajman Bank. They can avail up to 90% of the total credit limit as Easy Cash. In addition to this, they can enjoy a flexible payment plan of up to 12 months.
  • Balance Transfer: Card members can easily transfer a balance from other credit cards to this Ajman Bank BRight Platinum Credit Card with the lowest profit rate. In addition to this, they can repay the amount in easy to pay monthly installments of up to 36 months.

Easy Payment Plan (EPP): The facility of easy installment scheme beat the stress of paying back any of the high-value purchases. It allows the cardholder to convert any big purchases into easy to pay installments at the participating merchants. EPP is available with tenors of 3 to 6 months. Best of all, the cardholder doesn’t have to pay any processing fees to avail of this facility. 

Benefits of Ajman Bank BRight Platinum Credit Card

Loaded with numerous travel benefits and offers, the Ajman Bank BRight Platinum Credit Card is designed to be the best travel companion.  Below-mentioned are some of its key benefits:

  • Rewards
    • As a member of this Ajman Bank credit card, one can fly for free with upfront 10,000 complimentary BRight rewards.
    • Faster Rewards Program: On spending of every AED 10, card members can earn up to 2 BRight rewards
    • Endless Redemption Options: The cardholder can redeem these BRight rewards across 300 plus airline for booking flight tickets, 300,000+ hotel stay options, purchasing electronic items online at their Ajman Rewards official website, and gift vouchers for their family & friends.
  • Complimentary Airport Lounge Access: Members of this Ajman Bank credit card can enjoy complimentary airport lounge access.
  • Supplementary Cards: Owner of this Ajman Bank credit card can take a supplementary card(s) for his/her family members. There is no annual fee for the first four supplementary cards and the rest will have an annual fee of AED 50.
  • Buy one get one & Super Saver Offers: Cardholders can get more than 1000 buy one get one & super saver offers at Ajman Bank Traveller App.
  • Discounted Offers: Members of this card can enjoy up to 30% off on travel bookings with cleartrip.

Top Reasons To Get Ajman Bank BRight Platinum Credit Card

The Ajman Bank credit card benefits are extremely vast, allowing the card members to enjoy amazing privileges no matter where they are. Some of the main reasons to get Ajman Bank BRight Platinum Credit Card are given below:

  • Easy Cash Facility: The cardholder can avail of up to 90% of the total credit limit as easy cash in times of financial emergency.
  • Balance Transfer Facility: One can easily transfer a balance from other credit cards to the Ajman Bank credit card with no profit charges. In addition to this, the cardholder can enjoy the flexibility of paying into easy to pay installments of up to 36 months.
  • Easy Payment Plan: The facility of easy installment scheme reduces the stress of paying back any of the high value purchases. It allows the card member to convert any big purchases into easy to pay installments at our participating merchants. In addition to this, they don’t have to pay any processing fees to avail of this facility. Customers can shop and payback in flexible payment tenures of 3 to 6 months.
  • Secured At Every Step: One of the main reasons to choose Ajman Bank BRight Platinum Credit Card is that it provides the maximum possible security.
    • For retail transactions, the CHIP & Pin technology ensures that the Ajman Bank credit card can’t be duplicated
    • Online transactions are protected via the 3D secure pin feature. Therefore, cardholders can shop online with peace of mind.
  • Supplementary Cards: The cardholder can share the amazing benefits of the Ajman Bank credit card with family members through the easily available supplementary/add-on Ajman Bank credit cards.

Fees & Charges of Ajman Bank BRight Platinum Credit Card

Following are the fees & charges associated with the Ajman Bank BRight Platinum Credit Card:

Types of Charges Charges
Profit Rate Per Month 3.50%
Annual Membership Fee AED 1000
Supplementary Card Charges AED 50
Late Payment Charges (Forced Donation) AED 125
Cash Advance Charges AED 150
Charges of Card Replacement AED 75
Fees of Duplicate Statement AED 45 p.m.
Charges for procuring a copy of sales voucher AED 65
Over Limit Charges AED 125
Processing charges for foreign transactions 0%
Credit Shield Charges 0.89% per month

 Some General Fees & Charges

Cash Advance 90% of the total credit limit
Easy Payment Plan (EPP) Foreclosure Charges AED 200
Minimum Amount Due 5% of the outstanding amount and 100% of  all fees & charges

 

How to Apply For Ajman Bank BRight Platinum Credit Card?

An applicant can easily apply for Ajman Bank BRight Platinum Credit Card either through online or offline mode. By submitting the required documents along with the filled in credit card application form, an applicant can get access to Ajman Bank’s credit card after final approval from bank’s authorities.

Applying Online

This is one of the easiest ways of applying for Ajman Bank credit card. An applicant is simply required to visit the official website of the Ajman Bank and apply for the Ajman Bank BRight Platinum Credit Card. After that, fill in the credit card application form with all the necessary details and submit it the same. And then, the bank will go through all the information that has been provided by the applicant and check whether he/she is eligible for the credit card which they have applied for. Based on the eligibility criteria of the applicant, the bank may or may not provide the credit card.

Applying Offline

Alternatively, an applicant can apply for Ajman Bank BRight Platinum Credit Card offline by visiting the nearest branch of Ajman Bank. The customer has to fill up the credit card application form with all the required details including name, date of birth (DOB), personal information, and the like. If he/she meets the eligibility criteria as decided by the bank, their credit card application will be taken forward for further procedure.

Ajman Bank BRight Platinum Credit Card FAQs

Q.1. If my Ajman Bank BRight Platinum Credit Card is misplaced will that be replaced?

You can easily get your misplaced card replaced. All you need to inform the bank about the same and then the bank will talk to you about a replacement of the card.

However, the replacement fee of the Ajman Bank BRight Platinum Credit Card is AED 75.

Q.2. What is an easy installment payment plan? Easy Payment Plan (EPP)

An easy installment plan allows card members to convert big amounts purchases into easy to pay installments over an agreed upon a number of months. In simple words, cardholders can purchase items within their credit limit and pay off the full amount up to 6 months. The best thing about this easy installment payment plan is that you don’t have to pay any processing fees to avail of this facility. This means that it doesn’t charge any additional amount for these monthly installments. However, you should confirm whether the selected vendor is covered by the Ajman bank or not before making a purchase since it is available at participating merchants only.

Q.3. Can I withdraw cash with this credit card?

You can withdraw cash up to 90% of the total credit limit.

Q.4. What is the Easy Payment Plan?

Ajman Bank BRight Platinum Credit Card’s Easy Payment Plan allows you to convert credit card purchases into convenient monthly installments for tenors of 3 to 6 months.

Q.5. What if my monthly income doesn’t meet your requirement? Can I still avail Ajman Bank BRight Platinum Credit Card?

Well, Ajman Bank doesn’t provide credit cards to those applicants who don’t meet the eligibility criteria pre-decided by the bank.