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Ajman Bank BRight World credit cards is an Islamic credit card which is structured according to the Sharia Islamic principles. It depends upon the concept of Murabaha which comes under Sharia Law. It offers the cardholder a plethora of benefits that include redeemable reward points, chip, and PIN security, balance transfer, plans with 0% profit rate on payments via installments and many more.
Following are the features of this Ajman Bank Credit Card-
Following are the offers of this BRight World Credit Card-
With this facility of easy cash by Ajman Bank, the cardholders can gain more from their credit cards.
The credit shield insurance (Takaful Cover) is a protection given to the cardholders under which the outstanding balance of their credit card can be waived in case of unfortunate events such as permanent disability, loss of employment, critical illness or death. Under this scheme, the cardholder remains covered for the first 2 months without any cost, subsequently, they will have to pay some charge on credit shield.
After the cardholders have enrolled for credit shield, their subscription gets renewed automatically for a fee of 0.89 percent out of their outstanding balance per month. They can conveniently pay this fee using their credit card. This transaction will be included in the credit card statement monthly.
This Ajman Bank Credit Card offers a convenient and flexible option of availing a cash advance by just giving one call to the call center of the Ajman Bank.
With this 3D secure feature of this Ajman Bank Credit Card, the cardholders can be relieved about the safety of their card. This feature includes an extra verification layer to the card making online shopping more secure.
Ajman Bank Credit Card charges a very low-profit rate and fees from its cardholders. The charges and fees on this credit card are as follows:
|Fees and Charges||Ajman Bank BRight World Credit Card|
|Supplementary Card Fees||First few Cards- Free50 AED per card per annum for subsequent cards|
|Late Payment Charges||125 AED|
|Per Transaction Fees on Cash Advance (up to 5,000 AED)||150 AED|
|Card Replacement Charge||75 AED|
|Duplicate Statement||45 AED monthly|
|Sales Voucher (Copy)||65 AED|
|Annual Fee||1,500 AED|
|Over-Limit Fee||125 AED|
|Processing Fee (FX Transactions)||0 percent|
|Credit Shield Charge||0.89 percent monthly|
|Minimum Due Amount||5 percent of outstanding principle & 100 percent of the total amount of fees|
|Maximum Amount of Withdrawal (per transaction)||-|
|DDS set-up fees recovery of Dues on Credit Card||-|
|EPP Charges (Retail Purchases)||-|
|EPP Charges (Balance Transfer)||-|
|EPP Charges (Easy Cash)||-|
|EPP Charges (Foreclosure Fees)||200 AED|
(The prices and interest rates are subject to change as per the bank's requirement.)
|Types of Ajman Bank Credit Cards|
|Ajman Bank Bright Titanium Credit Card||Ajman Bank Bright World Credit Card|
|Ajman Bank Bright Platinum Credit Card||ULTRACASH MasterCard Touch Card|
|Ajman Bank Power Gold Credit Card||Ajman Bank Power Platinum Credit Card|
|Ajman Bank Power World Credit Card||Ajman Bank ROADMILES Classic Visa Credit Card|
|Ajman Bank ROADMILES Premium Credit Card||Ajman Bank ROADMILES Visa Platinum Credit Card|
Q1: What does a Credit Card Balance Transfer mean?
Ans: The Balance Transfer on credit card means the transfer of the amount existing in one credit card account to another credit card account. A Balance Transfer fee may also be levied on you in order to avail this facility in case of some cards.
Q2: What does 3D Secure mean?
Ans: Ajman Bank uses a 3D Secure facility which is a free service that ensures the security of using your credit cards for online transactions. It offers an extra verification layer for extra secure online transactions. You will have to enter an OTP (One-Time Password) that you will receive on your registered mobile number while making transactions online on websites that has this sign- MSC (MasterCard Secure Code). This OTP is important for completing the online purchase or transaction. This facility can be availed on 3D Secure merchant websites only.
Q3: How to register for 3D Secure facility?
Ans: 3D Secure facility requires no registration. It is enabled automatically on your Credit Card. Make sure you have updated your recent phone number with the bank because the OTP will be sent on the mobile number registered in the bank records.
Q4: Are my personal details safe & secure?
Ans: Yes. Your Ajman Bank Credit Card details will be encrypted and then stored on a secure and safe server.
Q5: How do I get to know that a particular merchant supports 3D Secure feature?
Ans: Any merchant who is 3DS (3D Secure) compliant will have a MasterCard Secure Code or VBV (Verified by Visa) logo.