Ajman bank, a public shareholding company with headquarters in Ajman, offers various banking, investments, and financial services based on Islamic Shariah principles. It also has a wide range of credit cards such as Roadmiles cards, Bright cards, ULTRACASH cards, and more. These cards come with multiple benefits and reward customers with earned points as well. In case of any queries, credit card applicants or users can reach out to the customer support team of Ajman Bank.read more
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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 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 UAE.
The Ajman Bank offers the following variants of credit cards in UAE with amazing benefits and rewards:
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:
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:
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.
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:
Rewards offered on Ajman Bank BRight Platinum 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:
Rewards offered on Ajman Bank BRight Titanium Credit Card
This credit card is an ideal choice for people who are interested in the cashback benefits accrued on retail shopping and fuel expenses. With this card, you can get a cash advance of up to 90% of your credit limit. The best thing about this card is its inclusive design especially meant for blind and partially sighted cardholders.
Let’s take a look at the amazing benefits of Ajman Bank ULTRACASH MasterCard Touch Card:
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 UAE:
These credit cards help the cardholder to save more with the facility of the balance transfer.
The Ajman bank credit cards offer a flexible and convenient option of cash advance.
With this easy cash feature, Ajman Bank Credit Cards member can make the most of their credit cards.
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.
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.
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 |
(These charges were updated on 18 September 2018 and can be changed as per the guidelines of the Central Bank)
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.
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 limits based on the credit history and the financial status of the applicant.
Ajman Bank Credit Card Loan - Know Everything About It |
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.
Ans: 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).
Ans: 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
Ans: 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.
Ans: 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.
Ans: Yes. Your details shared with Ajman Bank Credit Cards are encrypted and stored on a secure and safe server.
Ans: The merchant websites that have the 3D Secure feature have a MasterCard Secure Code or VBV (Verified by Visa) logo
Ans: 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).
Ans: 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.