Ajman Bank Credit Cards

Ajman Bank Credit Cards

Ajman Bank is one of the best Islamic banks that follow the principles of trust, integrity, and transparency. Established in 2007, it is the 1st Islamic Bank to be incorporated in the Ajman Emirate of the UAE. In February 2008, the shares of the bank were listed on Dubai Financial Market. In 2009, it officially opened 2 branches in Ajman and started its operations.

The bank offers a variety of banking services in the United Arab Emirates (UAE) for corporate clients, government, individuals and more. The offered services are based on Sharia principles. The bank makes the best use of technology and fulfils the financial needs of its customers. Out of the many products and services, the bank offers the best credit cards in the UAE.

Types of Ajman Bank Credit Cards

The Ajman Bank offers the following variants of credit cards in the UAE with amazing benefits and rewards:

1. BRight Credit Card

The cardholder can enjoy a good rewards experience with the help of the BRight credit Card. This Ajman Bank credit card is based on the concept of Sharia of Murabaha. The cardholder can plan for their next trip using their BRight Rewards.

The BRight Credit card comes with a lot of travel benefits such as 0% fees on the foreign transaction, offers at over 300 airlines & 300,000 hotels. The cardholder can also earn reward points on their retail purchases put on the BRight Credit Card.

BRight Credit Card comes in three variants:

a. BRight World Credit Card

This credit card by Ajman Bank offers the cardholder a wide range of features, benefits, and rewards.

Features and Benefits of Ajman Bank BRight World Credit Card

Following are the features and benefits of this credit card:

  • Samsung Pay: This credit card offers an option of using Samsung Pay. It enables the cardholder to enjoy a secure and hassle-free payment experience.
  • Mobile Banking: Ajman Bank Credit Cards provide a multi-functional mobile banking platform for easy and convenient credit card management. 
  • Contactless Transactions: The cardholder of the Ajman Bank BRight World Credit Card gets an option of making contactless transactions with convenience at a faster speed.
  • Secure Online Purchases: This BRight credit card comes with the mindwithour3D secure i.e. a security feature that enhances the security of online transactions.
  • PIN and CHIP: This Ajman Bank credit card comes with a security chip that offers secured transactions through a personalized PIN number.
  • Free Airport Lounge Access: This credit card by Ajman Bank offers the cardholders free access to various airport lounges around the world.
  • International Transaction Fees: Using this Ajman Bank BRight World Credit Card, the card member doesn’t have to pay any transaction fees as the card comes with 0% transaction fees for international transactions.
  • Supplementary Cards: The cardholder can avail supplementary cards for their eligible family members. In order to be eligible for a supplementary card, the family member must be 18 years old or above.
  • Discounts on Clear Trip: BRight World Credit Card offers a discount of 30 percent for bookings made on Clear Trip. It enables the cardholder to travel around the world at low prices.
  • Traveler App by Ajman Bank: This Ajman Bank Credit Card offers around 1,000 Buy 1 Get 1 offer and super saver options. The cardholder can avail the offers using the Traveler App by Ajman Bank.

Rewards Offered on Ajman Bank BRight World Credit Card

  • The cardholder can get discounts on booking flight tickets using the complimentary 15,000 BRight Rewards.
  • They can redeem their accumulated BRight rewards at around 300,000 hotels and more than 300 airlines.
  • The card member can earn a maximum of three BRight Rewards upon spending ten AED.

b. Bright Platinum Credit Card

Bright Platinum credit card by Ajman Bank offers a wide range of features, benefits, and rewards.

Features and Benefits of Ajman Bank BRight Platinum Credit Card

Following are the features and benefits of this credit card:

  • Samsung Pay: This credit card offers an option of using Samsung Pay. It enables the cardholders to enjoy a secure and hassle-free payment experience.
  • Mobile Banking: Ajman Bank Credit Cards provide a multi-functional mobile banking platform for easy and convenient credit card management.
  • Contactless Transactions: The cardholder of the Ajman Bank BRight Platinum Credit Card can conveniently enjoy contactless transactions as faster speed.
  • Secure Online Purchases: This BRight credit card provides offers mindwithour3D secure i.e. a security feature that adds an extra layer of security for online transactions.
  • PIN and CHIP: This Ajman Bank credit card offers a security chip that provides secured transactions through a personalized PIN number.
  • Free Airport Lounge Access: This credit card by Ajman Bank offers free access to various airport lounges around the world.
  • International Transaction Fees: Using this Ajman Bank BRight Platinum Credit Card, the card member doesn’t have to pay any fees for making an international transaction. The credit card attracts 0% international transaction fees.
  • Supplementary Cards: The cardholder can avail supplementary cards for their eligible family members. In order to be eligible for a supplementary card, the family member must be 18 years old or above.
  • Discount on Clear Trip: BRight Platinum Credit Card offers a discount of 30 percent on Clear Trip. It enables the cardholder to travel around the world at low prices.
  • Traveler App by Ajman Bank: This Ajman Bank Credit Card offers around 1,000 Buy 1 Get 1 offer and super saver options. The card member can avail the offer using the Traveler App by Ajman Bank.

Rewards

Rewards offered on Ajman Bank BRight Platinum Credit Card:

  • The cardholder can get discounts on booking flight tickets using 10,000 BRight Rewards.
  • They can redeem the accumulated BRight rewards at around 300,000 hotels, more than 300 airlines for booking tickets, gift cards for friends and family etc.
  • The card member can also earn a maximum of two BRight Rewards upon spending AED ten.

c. Bright Titanium Credit Card

Bright Titanium credit card by Ajman Bank offers the cardholders a wide range of features, benefits, and rewards.

Features and Benefits of Ajman Bank BRight Titanium Credit Card

Following are the features and benefits of this credit card:

  • Samsung Pay: This credit card offers an option of using Samsung Pay. It enables the cardholders to enjoy a secure and hassle-free payment experience.
  • No Annual Fees: This BRight World Titanium Credit Card charges no annual fee from the cardholders. This makes it a Free for Life card.
  • Mobile Banking: Ajman Bank Credit Cards offers a multi-functional mobile banking platform for convenient credit card management.
  • Contactless Transactions: The cardholder of the Ajman Bank BRight World Credit Card gets an option of making contactless transactions with convenience at a faster speed.
  • Secure Online Purchases: This BRight credit card comes with the mindwithour3D secure i.e. a security feature that enhances the security of online transactions.
  • PIN and CHIP: This Ajman Bank credit card comes with a security chip that offers secured transactions through a personalized PIN number.
  • Free Airport Lounge Access: This credit card by Ajman Bank offers the cardholders free access to various airport lounges around the world.
  • Supplementary Cards: The cardholder can avail supplementary cards for their eligible family members. In order to be eligible for a supplementary card, the family member must be 18 years old or above.
  • Traveler App by Ajman Bank: This Ajman Bank Credit Card offers around 1,000 Buy 1 Get 1 offer and super saver options. The cardholder can avail the offers using the Traveler App by Ajman Bank.

Rewards

Rewards offered on Ajman Bank BRight Titanium Credit Card:

  • The card member can redeem the accumulated BRight rewards at around 300,000 hotels, more than 300 airlines for booking tickets, gift cards for friends and family etc.
  • They can earn a maximum of one BRight Reward upon spending ten AED.

2. Power Credit Cards

This credit card is one of the most preferred Islamic multi-partner credit cards in the UAE. The cardholder of this credit card can earn Power Rewards and enjoy amazing returns and benefits.

Power Credit Cards are offered in three types:

a. Power World Credit Card

This credit card by Ajman Bank offers a wide range of features, benefits, and rewards.

Features and Benefits of Ajman Bank Power World Credit Card

Following are the features and benefits of this credit card:

  • Cash Withdrawal: This Ajman Bank Credit Card offers an option of cash advance or cash withdrawal up to the 100 percent of the credit limit which is pre-determined by the bank.
  • PIN and CHIP: This Ajman Bank credit card comes with a security chip that offers secured transactions through a personalized PIN number.
  • Online Banking: The credit card offers a platform for secure and safe online banking for convenient credit card management.
  • Secure Online Purchases: The BRight credit card comes with the mindwithour3D secure i.e. a security feature that enhances the security of online transactions.
  • Global Acceptance: The credit cards come with global acceptance at more than 22 million places around the world.
  • Credit Limit: The Power World Credit Card offers a maximum credit limit of AED 100,000 to the cardholder.
  • Supplementary Cards: The cardholder can avail up to four supplementary cards for their eligible family members. In order to be eligible for a supplementary card, the family member must be 18 years old or above.
  • Credit Shield- Takaful Cover: The Ajman Bank Power World Credit Card offers credit shield insurance (Takaful Cover) to the new card member for the initial sixty days, starting from the date of card issuance.
  • Priceless Arabia: This Ajman Bank Credit Card offers a wide range of benefits such as dining, shopping, sports, travel, entertainment, and other attractions. The cardholder can avail these benefits by registering their power credit cards at the official website of Priceless Arabia.

Note- Different terms and conditions are applicable to this offer. 

Free Monthly Installments: The cardholder gets an option to convert their retail purchases into monthly installments for a maximum period of 6 months. No monthly fee is applicable to these installments.

Rewards

Rewards offered on Ajman Bank Power World Credit Card:

  • The card member can earn one Power Point upon spending one USD.
  • They can redeem the accumulated rewards at around 300,000 hotels, more than 300 airlines for booking tickets, gift cards for friends and family, buying electronics etc.
  • The cardholders can enjoy an approximate 2.5 percent redemption value on their spending.

b. Power Platinum Credit Card

Power Platinum credit card by Ajman Bank offers the cardholders a wide range of features, benefits, and rewards.

Features and Benefits of Ajman Bank Power Platinum Credit Card

Following are the features and benefits of this credit card:

  • Cash Withdrawal : This Ajman Bank Credit Card offers an option of cash advance or cash withdrawal up to the 100 percent of the credit limit pre-determined by the bank.
  • PIN and CHIP: This Ajman Bank credit card comes with a security chip that offers secured transactions through a personalized PIN number.
  • Online Banking: This credit card offers a platform for secure and safe online banking where the cardholder can manage their cards conveniently.
  • Secure Online Purchases: This BRight credit card comes with the mindwithour3D secure i.e. a security feature that enhances the security of online transactions.
  • Global Acceptance: The credit card comes with a global acceptance at more than 22 million places around the world.
  • Credit Limit: The Power Platinum Credit Card offers a maximum credit limit of AED 65,000.
  • Supplementary Cards: The cardholder can avail up to four supplementary cards for their eligible family members. In order to be eligible for a supplementary card, the family member must be 18 years old or above.
  • Credit Shield- Takaful Cover: The Ajman Bank Power Platinum Credit Card offers credit shield insurance (Takaful Cover) to the new card member for the initial sixty days. The coverage is provided from the date of card issuance.
  • Priceless Arabia: This Ajman Bank Credit Card offers a wide range of benefits such as dining, shopping, sports, travel, entertainment, and other attractions. The cardholder can avail these benefits by registering their power credit cards at the official website of Priceless Arabia.

Note- Different terms and conditions are applicable to this offer. 

Free Monthly Installments

The cardholder gets an option to convert their retail purchases into monthly installments for a maximum period of 6 months. No monthly fee is applicable on these installments.

Rewards

Rewards offered on Ajman Bank Power Platinum Credit Card:

  • The card member can earn one Power Point upon spending one USD.
  • They can redeem the accumulated rewards at around 300,000 hotels, more than 300 airlines for booking tickets, gift cards for friends and family, buying electronics etc.
  • They can enjoy an approximate 2.5 percent redemption value on their spending.

c. Power Gold Credit Card

Power Gold credit card by Ajman Bank offers the cardholders a wide range of features, benefits, and rewards.

Features and Benefits of Ajman Bank Power Gold Credit Card

Following are the features and benefits of this credit card:

  • Cash Withdrawal : This Ajman Bank Credit Card offers an option of cash advance or cash withdrawal up to the 100 percent of the credit limit pre-determined by the bank.
  • PIN and CHIP: This Ajman Bank credit card comes with a security chip that offers secured transactions through a personalized PIN number.
  • Online Banking: These credit cards offer a platform for secure and safe online banking for conveniently managing the credit card.
  • Secure Online Purchases: This BRight credit card comes with the mindwithour3D secure i.e. a security feature that enhances the security of online transactions.
  • Global Acceptance: The credit card comes with global acceptance at more than 22 million places around the world.
  • Credit Limit: This Power Gold Credit Card offers a maximum credit limit of AED 35,000.
  • Supplementary Cards: The cardholder can avail up to four supplementary cards for their eligible family members. In order to be eligible for a supplementary card, the family member must be 18 years old or above.
  • Credit Shield- Takaful Cover: The Ajman Bank Power Gold Credit Card offers credit shield insurance (Takaful Cover) to the new card member for the initial sixty days. The coverage is provided from the date of card issuance.

Priceless Arabia

This Ajman Bank Credit Card offers a wide range of benefits such as dining, shopping, sports, travel, entertainment, and other attractions. The cardholder can avail these benefits by registering their power credit cards at the official website of Priceless Arabia. The cardholder can avail these benefits by registering their power credit cards at the official website of Priceless Arabia.

Note- Different terms and conditions are applicable to this offer. 

Free Monthly Installments

The cardholders get an option to convert their retail purchases into monthly installments for a maximum period of 6 months. No monthly fee is applicable on these installments.

Rewards

Rewards offered on Ajman Bank Power Gold Credit Card:

  • The card member can earn one Power Point upon spending one USD.
  • They can redeem the accumulated rewards at around 300,000 hotels, more than 300 airlines for booking tickets, gift cards for friends and family, buying electronics etc.
  • They can enjoy an approximate 2.5 percent redemption value on their spending.

3. Roadmiles Credit Card

The Roadmiles Credit Card offers rewards in the form of Roadmiles. This Ajman Bank Credit Card is very transparent, simple and highly rewarding. The cardholders can redeem the accumulated Roadmiles for Fuel at various petrol stations in the UAE.

The Roadmiles Credit Card can further be classified into three types:

a. Roadmiles Platinum Credit Card

This type of credit card by Ajman Bank offers the cardholders a lot of rewards and benefits.

Features and Benefits of Ajman Bank Roadmiles Platinum Credit Card

Following are the features and benefits of this credit card:

  • Cash Withdrawal : This Ajman Bank Credit Card offers cash advance or cash withdrawal up to the 100 percent of the credit limit pre-determined by the credit card provider.
  • PIN and CHIP: This Ajman Bank credit card comes with a security chip that offers secured transactions through a personalized PIN number.
  • Online Banking: These credit cards offer a platform for secure and safe online banking for conveniently managing the credit card.
  • Secure Online Purchases: This Roadmiles credit card comes with the mindwithour3D secure i.e. a security feature that enhances the security of online transactions.
  • Global Acceptance: The credit card is powered by Visa, the cardholder can avail the benefit of global acceptance.
  • Credit Limit: This Roadmiles Platinum Credit Card offers a maximum credit limit of AED 75,000.
  • Supplementary Cards: The cardholder can avail up to four supplementary cards for their eligible family members. In order to be eligible for a supplementary card, the family member must be 18 years old or above.
  • Free Monthly Installments: The cardholder can convert their retail purchases into monthly installments for a maximum period of 6 months. The applicable monthly fee is zero.
  • Accrual of Points: The Roadmiles Platinum Credit Card gives the cardholder an option of accruing points over a period of time.

Rewards

Rewards offered on Ajman Bank Roadmiles Platinum Credit Card:

  • The card member can earn one Mile upon spending one AED.
  • They can enjoy an approximate 1.25 percent redemption value on their spending.

b. Roadmiles Premium Credit Card

This type of credit card by Ajman Bank offers the cardholders a lot of rewards and benefits.

Features and Benefits of Ajman Bank Roadmiles Premium Credit Card

Following are the features and benefits of this credit card:

  • Cash Withdrawal : This Ajman Bank Credit Card offers the benefit of cash advance or cash withdrawal up to the 100 percent of the credit limit pre-determined by the credit card provider.
  • PIN and CHIP: This Ajman Bank credit card comes with a security chip that offers secured transactions through a personalized PIN number.
  • Online Banking: This credit card offers a platform for secure and safe online for convenient credit card management.
  • Secure Online Purchases: This Roadmiles credit card comes with the mindwithour3D secure i.e. a security feature that enhances the security of online transactions.
  • Global Acceptance: This credit card is powered by Visa, the cardholder can enjoy the global acceptance of the card.
  • Credit Limit: This Roadmiles Premium Credit Card offers a maximum credit limit of AED 35,000.
  • Supplementary Cards: The cardholder can avail up to four supplementary cards for their eligible family members. In order to be eligible for a supplementary card, the family member must be 18 years old or above.
  • Free Monthly Installments: The cardholder can convert their retail purchases into monthly installments for a maximum period of 6 months. The monthly fee applicable is zero.
  • Accrual of Points: The Roadmiles Premium Credit Card gives the cardholder an option of accruing the points over a period of time. 

Rewards

Rewards offered on Ajman Bank Roadmiles Premium Credit Card:

  • The card member can earn one Mile upon spending one AED.
  • They can enjoy an approximate 1.25 percent redemption value on their spending.

c. Roadmiles Classic Credit Card

This type of credit card by Ajman Bank offers the cardholders a lot of rewards and benefits.

Features and Benefits of Ajman Bank Roadmiles Classic Credit Card

Following are the features and benefits of this credit card:

  • Cash Withdrawal : This Ajman Bank Credit Card offers an option of cash advance or cash withdrawal up to the 100 percent of the credit limit pre-determined by the credit card provider.
  • PIN and CHIP: This Ajman Bank credit card comes with a security chip that offers secured transactions through a personalized PIN number.
  • Online Banking: This credit card offers a platform for secure and safe online banking for the conveniently managing credit card.
  • Secure Online Purchases: This Roadmiles credit card comes with the mindwithour3D secure i.e. a security feature that enhances the security of online transactions.
  • Global Acceptance: This credit card is powered by Visa, the cardholder can avail the benefit of global acceptance.
  • Credit Limit: The Roadmiles Classic Credit Card offers a maximum credit limit of AED 12,000.
  • Supplementary Cards: This Ajman Bank Credit Card offers up to four supplementary credit cards to cardholders' family members. 
  • Free Monthly Installments: The cardholders can convert their retail purchases into monthly installments for a maximum period of 6 months. The monthly fee applicable to these installments is zero.
  • Accrual of Points: The Roadmiles Classic Credit Card gives the cardholder an option of accruing points over a period of time.

Rewards

Rewards offered on Ajman Bank Roadmiles Classic Credit Card:

  • The card member can earn one Mile upon spending one AED.
  • They can enjoy an approximate 1.25 percent redemption value on their spending.

Features of Ajman Bank Credit Cards

Ajman Bank Credit Cards offer many attractive as well as unique features. Listed below are a few eminent features of these cards that make them popular in the UAE:

i. Balance Transfer

These credit cards help the cardholder to save more with the facility of the balance transfer.

  • The card member can consolidate the outstanding balance on their credit card through the balance transfer facility offered by Ajman Bank. It attracts zero profit charge which helps them to save more.
  • In order to avail this facility, no paperwork required. The cardholder can give a call on the toll-free number- 80022 and make a request for the same.
  • A nominal fee is applicable for availing the facility of the balance

ii. Cash on Call

The Ajman bank credit cards offer a flexible and convenient option of cash advance.

  • The card member can avail a cash advance of up to 80 percent of the credit card limit that is pre-determined by the bank.
  • In order to avail this facility, no paperwork is required. The cardholder can give a call on the toll-free number 80022 and make a request for the same.
  • A one-time processing fee of 150 AED is applicable for availing this facility.
  • The amount will be transferred to the cardholder’s account at Ajman Bank or some other bank in the UAE.

iii. Facility of Easy Cash

With this easy cash feature, Ajman Bank Credit Cards member can make the most of their credit cards.

  • They can avail Easy Cash up to 90 percent of their pre-determined credit limit. They also get a flexible payment facility for a maximum period of twelve months.
  • The card member can get a benefit of making the payments in the installments of 3, 6, 9 or 12 months.
  • In order to avail this facility, no paperwork required. The cardholder can give a call on the toll-free number 80022 and make a request for the same.
  • The amount will be transferred to the cardholder’s account at Ajman Bank or some other bank in the UAE.
  • A nominal fee is charged in order to avail the facility of easy cash.

iv. 3D Secure

With this security feature, the cardholder can be at peace as the safety of their credit card is ensured. This feature provides an additional layer of security on the card which makes online transactions more secure.

  • 3D Secure is a simple, convenient and hassle-free.
  • The card member can make transactions anywhere and anytime without having to install any specific software.
  • The 3D Secure facility makes online shopping more secure. To authorize the online transaction, they receive an OTP (One-time Password) on the mobile number registered with the bank.
  • The card member need not register anywhere since the feature is automatically enabled on the credit card.

v. Credit Shield

The Takaful Cover (credit shield insurance) is protection offered to the cardholder. It provides coverage in the form of a waiver of the outstanding balance in case there is outstanding balance on credit card. The coverage is provided in case they end up suffering from critical illness, permanent disability, employment loss or any other unfortunate event or even death.

It provides coverage for the 1st two months without any charge. After two months, they will have to pay applicable fees on Takaful Cover.

Convenient Payment Option- When the cardholder enrolls for credit shield, the subscription is automatically renewed at a nominal fee of 0.89 percent.

vi. Easy Installment Plan

The card member can easily pay back on their high-value purchases by converting the eligible transaction into simple installment plans. The benefit can be availed at eligible merchants.

  • The card member can make the payments in the installments of 3, 6, 9 or 12 months.
  • In order to avail this facility, no paperwork required. The cardholders can give a call on the toll-free number 80022 and make the request for the same. 

Ajman Bank Profit Rates and Annual Fees in the UAE

Ajman Bank Credit Cards charges low-profit rates and annual fees on the credit cards. Listed below are the applicable charges:

 

Category Name of the Card Annual Fee(In AED) Profit Rate(%)
 BRight Credit Cards BRight World Credit Card 1,500 3.50
BRight Platinum Credit Card 1,000 3.50
BRight Titanium Credit Card Nil 3.50
 Power Credit Cards  Power World Credit Card 400 NA
Power Platinum Credit Card 300 NA
Power Gold Credit Card 200 NA
 Roadmiles Credit Card Roadmiles Platinum Credit Card 200 NA
Roadmiles Premium Credit Card 150 NA
Roadmiles Classic Credit Card 100 NA

 

(These charges were updated on 18 September 2018 and can be changed as per the guidelines of the Central Bank)

How to Apply for Ajman Bank Credit Card in the UAE?

As per their preference, the Ajman Bank Credit Card applicants can either apply at the nearest branch of the bank, through the online banking portal or through a call.

  • Branch Application

The applicants can visit their nearest branch and apply directly for their preferred Ajman Bank Credit Card by filling the credit application form.

  • Online Application

The applicants who are not comfortable in visiting the branch of the bank can apply for credit card online. They can easily compare various cards and opt for the one that fulfils their credit card expectations. The applicant can file a credit application online.

  • Phone Banking

The applicant has an option of using phone banking for applying for their preferred credit card.

Ajman Bank Credit Card Limit

The maximum amount of credit the cardholder can avail from the bank is called the credit card limit. Various credit cards by Ajman Bank offer different credit limit based on the credit history and the financial status of the applicant.

Ajman Bank Credit Card Charges in the UAE

The credit cards by Ajman Bank charge various fees. Ajman Bank Credit Card charges in the UAE are mentioned below:

 

Fees and Charges BRight World Credit Card BRight Platinum Credit Card BRight Titanium Credit Card Power World Credit Card Power Platinum Credit Card Power Gold Credit Card Roadmiles Platinum Credit Card Roadmiles Premium Credit Card Roadmiles Classic Credit Card
Supplementary Card Fees First few Cards- Free50 AED per card per annum for subsequent cards AED 50 First 2
Cards- Free50 AED per card per annum for subsequent cards
First 4 Cards- Free50 AED per card per annum for subsequent cards First 4 Cards- Free50 AED per card per annum for subsequent cards First 4 Cards- Free50 AED per card per annum for subsequent cards First 4 Cards- Free50 AED per card per annum for subsequent cards First 4 Cards- Free50 AED per card per annum for subsequent cards First 4 Cards- Free50 AED per card per annum for subsequent cards
Late Payment Charges 125 AED 125 AED 125 AED 125 AED 125 AED 125 AED 125 AED 125 AED 125 AED
Per Transaction Fees on Cash Advance (up to 5,000 AED) 150 AED 150 AED 150 AED 150 AED 150 AED 150 AED 150 AED 150 AED 150 AED
Card Replacement Charge 75 AED 75 AED 75 AED 75 AED 75 AED 75 AED 75 AED 75 AED 75 AED
Duplicate Statement 45 AED monthly 45 AED monthly 45 AED monthly 45 AED monthly 45 AED monthly 45 AED monthly 45 AED monthly 45 AED monthly 45 AED monthly
Sales Voucher (Copy) 65 AED 65 AED 65 AED 65 AED 65 AED 65 AED 65 AED 65 AED 65 AED
Monthly Fee NA NA NA 1200 AED 800 AED 600 AED 950 AED 600 AED 250 AED
Over-Limit Fee 125 AED 125 AED 125 AED 125 AED 125 AED 125 AED 125 AED 125 AED 125 AED
Processing Fee (FX Transactions) 0 percent 0 percent 2 percent 3.5 percent 3.5 percent 3.5 percent 4 percent 4 percent 4 percent
Credit Shield Charge 0.89 percent monthly 0.89 percent monthly 0.89 percent monthly 0.89 percent monthly 0.89 percent monthly 0.89 percent monthly 0.89 percent monthly 0.89 percent monthly 0.89 percent monthly
Liability Letter NA NA NA 50 AED 50 AED 50 AED 50 AED 50 AED 50 AED
Minimum Due Amount 5 percent of outstanding principle & 100 percent of the total amount of fees 5 percent of outstanding principle & 100 percent of the total amount of fees 5 percent of outstanding principle & 100 percent of the total amount of fees 5 percent of outstanding principle & 100 percent of the total amount of fees 5 percent of outstanding principle & 100 percent of the total amount of fees 5 percent of outstanding principle & 100 percent of the total amount of fees 5 percent of outstanding principle & 100 percent of the total amount of fees 5 percent of outstanding principle & 100 percent of the total amount of fees 5 percent of outstanding principle & 100 percent of the total amount of fees
Maximum Amount of Withdrawal (per transaction) NA NA NA 5,000 AED 5,000 AED 5,000 AED 5,000 AED 5,000 AED 5,000 AED
DDS set-up fees recovery of Dues on Credit Card NA NA NA 50 AED 50 AED 50 AED 50 AED 50 AED 50 AED
EPP Charges (Retail Purchases) NA NA NA 5 percent of the amount of transaction 5 percent of the amount of transaction 5 percent of the amount of transaction 5 percent of the amount of transaction 5 percent of the amount of transaction 5 percent of the amount of transaction
EPP Charges (Balance Transfer) NA NA NA 4 percent of the amount of transaction 4 percent of the amount of transaction 4 percent of the amount of transaction 4 percent of the amount of transaction 4 percent of the amount of transaction 4 percent of the amount of transaction
EPP Charges (Easy Cash) NA NA NA 4 percent of the amount of transaction 4 percent of the amount of transaction 4 percent of the amount of transaction 4 percent of the amount of transaction 4 percent of the amount of transaction 4 percent of the amount of transaction
EPP Charges (Foreclosure Fees) 200 AED 200 AED 200 AED 200 AED 200 AED 200 AED 200 AED 200 AED 200 AED

 

(These charges were updated as on 18 September 2018)

Why Choose Ajman Bank Credit Card?

These credit cards offer a wide range of privileges and benefits, making them the best choice for the applicants. Following are the reasons why an applicant must choose Ajman Bank Credit Cards.

1. Customer Service

The Ajman Bank offers round the clock customer service. It provides credit cardholder much-needed support whenever they need it. The friendly customer care agents help and guide the cardholders in an elaborate manner, resolving their queries (if any) efficiently.

2. Security

The Ajman Bank credit cards come with a security chip that offers secured transactions through a personalized PIN number.

3. Benefits

These credit cards offer their cardholders various benefits including shopping benefits, dining benefits, insurance benefits, discounts, and much more.

4. Online Banking

The Ajman Bank offers the card member a safe online banking platform for the convenient management of their cards.

Ajman Bank Credit Cards FAQ's

Q.1. What is 3D Secure?

The credit cards by Ajman Bank come with a 3D secure feature. It is a feature that ensures the safety of your credit cards for online transactions. It offers an additional verification layer for safer online transactions. You have to enter an OTP (One-Time Password) sent to your registered mobile number when you make transactions online on websites that have these signs- MSC (MasterCard Secure Code) and VBV (Verified by Visa).

Q.2. How can I register for 3D Secure facility?

3DS facility needs no registration. This feature is enabled automatically on your credit card. Ensure that you have updated your latest contact number with the bank so that you will receive the OTP on your number registered with the bank.

Q.3. What is a One-time Password?

A One-time Password or OTP is the password that is valid for completing an online transaction through digital devices like a computer or mobile. It is automatically generated via a text message and sent on your registered contact number. It ensures authentication of the online transaction.

Q.4. Will I be able to make online transactions if I have not registered my contact number with the bank?

Yes. You will be able to make online transactions. However, these transactions can be made on the websites which do not support 3DS. On 3D secure supported merchant websites, no transactions can be completed without an OTP.

Q.5. Are my personal details secured?

Yes. Your details shared with Ajman Bank Credit Cards are encrypted and stored on a secure and safe server.

Q.6. How will I know that a particular merchant website is 3D Secure supported?

The merchant websites that have the 3D Secure feature have a MasterCard Secure Code or VBV (Verified by Visa) logo.

Q.7. What is a Balance Transfer?

The credit card balance transfer is the transfer of the funds that are due on one credit card account to another credit card account. A nominal processing fee may also be levied for availing the balance transfer facility.

Q.8. What are supplementary credit cards?

The supplementary credit cards are the secondary cards offered to the family members of the primary credit cardholder. The functioning of supplementary cards is almost the same as a primary card. However, the earned reward points are credited in the primary cardholder’s account. The supplementary cardholders can also avail the privileges and benefits. t

Q.9. What is a cash advance?

Cash Advance, or cash withdrawal facility is the amount withdrawn from any ATM or branch of the bank using a credit card. It is suggested that you withdraw as low as possible because banks charge high interest rates on a cash advance. From the date of withdrawal, a cash advance fee is levied on the withdrawn amount along with a profit rate that is pre-decided by the bank.

This Ajman Bank credit cards charge a cash advance fee of AED 150 monthly per transaction fees on Cash Advance (up to 5,000 AED).

Q.10. What is Ajman ‘Buy Now, Pay Later’ plan?

You can avail Buy now & pay later plan with the bank’s partner Government entities like Ajman free zone, Aqaar, Finance Department, Economic Development Department, Ports and Customs Department, Tourism Development Department and many more. With these partners, you can make the payments later within the payment tenure of three and six months at an amount of 1,000 AED (minimum) with no processing fees.

Q.11. What is a late payment fee?

The cardholder is liable to pay off their credit card bills by the due date. If the cardholder is unable to pay off their credit card bill, the bank will charge a late payment fee as per the applicable terms and conditions. This fee can have a negative effect on the cardholder’s credit score. The most convenient option to save yourself from this charge is by paying off your credit card bill on time.

This Ajman Bank credit card may levy a late payment fee of AED 125 on the cardholder who fails to pay their credit card bill on time.