Ajman Bank Credit Cards

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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.

Types of Ajman Bank Credit Cards

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

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

Cashback Back & Free Airport Lounge Access - Policybazaar uae

1. Ajman 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 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 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. ULTRACASH MasterCard Touch 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: 

  • Cashback Earnings: The ULTRACASH MasterCard Touch Card is perfect for earning up to 10% cashback on your daily expenses. You get 5% to 10% cashback on purchases related to fuel, school fees, online shopping, and supermarket spends. 1% cashback is offered on all other transactions made using the card. 
  • Inclusive Design: ULTRACASH MasterCard Touch Card is the world’s first touch card for blind or partially sighted people. It has tactile notches that enable visually challenged cardholders in identifying and differentiating their cards.  
  • Balance Transfer Facility: With is card you can transfer debt from other credit cards and pay it off at 0% profit for the first 3 or 6 months. A flexible payment plan of 3 to 36 months’ repayment tenor is also offered. 
  • Cash Advance: You can withdraw up to 90% of your card’s limit and pay back in 3 to 36 months. 
  • Easy payment Plans: Enjoy easy monthly payment plans with selected Ajman Bank partners at 0% profit rate. 
  • Valet Parking: Cardholders of the ULTRACASH MasterCard Touch Card can use free valet parking thrice a month at up to 35 different locations. 
  • Travel Benefits: Enjoy unlimited complimentary access to up to 25 airport lounges across the UAE, Saudi Arabia, Canada, Spain, Germany and more locations. You can get up to 30% off on Cleartrip bookings, 10% money-back offer on bookings.com and 15% off on IHG Hotels and Resorts. 
  • Rental Car Benefits: Cardholders get up to 29% discount on Avis Car Rentals and 10% off on bookings done with rentalcars.com. 
  • Additional Features: The ULTRACASH MasterCard Touch Card is compatible with several payment platforms including Apple Pay and Samsung Pay. Also enjoy, contactless purchases with Wi-Fi-enabled payment facility. Get free supplementary cards for your family members. 

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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 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 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 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 Credit Cards in UAE with Profit Rates & Annual Fees

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)

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 limits based on the credit history and the financial status of the applicant.

Ajman Bank Credit Card Loan - Know Everything About It

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.

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.

Security

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

Benefits

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

Online Banking

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

FAQ's on Ajman Credit Card

Q1: What is 3D Secure?

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).

Q2: How can I register for 3D Secure facility?

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

Q3: What is a One-time Password?

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.

Q4: Will I be able to make online transactions if I have not registered my contact number with the bank?

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.

Q5: Are my personal details secured?

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

Q6: How will I know that a particular merchant website is 3D Secure supported?

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

Q7: What is a cash advance?

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).

Q8: What is Ajman ‘Buy Now, Pay Later’ plan?

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.

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