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Ajman Bank Mastercard Platinum Credit Card

Founded in 2007, Ajman Bank is an Islamic commercial bank that is built on the values of integrity, transparency, and trust. The bank officially opened and started its operations in 2009 from just two branches in Ajman. Now Ajman bank has branches and ATMs all over the UAE.

The bank strictly follows shariah principles and provides a wide range of banking service in the UAE for the individual, business, and government clients. One of the best products of the bank is Ajman Bank Mastercard Platinum Credit Card. The bank offers three types of MasterCard platinum card i.e. Ajman Bank BRight Platinum Credit Card, Ajman Bank Power Platinum Credit Card, and Ajman Bank Roadmiles Platinum Credit Card. Each one of them is loaded with a wide range of benefits and features, allowing the customer to make the most of their card.

In addition to its astounding benefits, this Ajman Bank credit card provides cardholders with access to rewards across the UAE, combining amazing discounted offers on every spending alike. New cardholders and future applicants of the Ajman Bank Mastercard Platinum Credit Card can expect worldwide benefits, huge savings, and seamless connectivity across the globe.

1. 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: One can easily transfer a balance from other credit cards to this Ajman Bank BRight Platinum Credit Card with low-profit rates. In addition to this, they can repay in easy payments 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 tenures 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:

a. Rewards

  1. As a member of this Ajman Bank credit card, one can fly for free with upfront 10,000 complimentary BRight rewards.
  2. Faster Rewards Program: On spending of every AED 10, card members can earn up to 2 BRight rewards
  3. Endless Redemption Options: The cardholder can redeem these BRight rewards across 300 plus airline for booking flight tickets, 300,000 plus hotel stay options, gift vouchers for their loved ones and on purchasing electronic items online at ajmanrewards.ae.

b. Complimentary Airport Lounge Access: Members of this Ajman Bank credit card can enjoy complimentary airport lounge access.

c. 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.

d. 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.

e. Discounted Offers: Members of this card can enjoy up to 30% off on travel bookings with cleartrip.

2. Ajman Bank Power Platinum Credit Card

Ajman Bank Power Platinum Credit Card is the most unique and powerful multi-partnered Islamic credit card across the UAE. This Ajman Bank credit card offers a wide range of astounding benefits and offers. It makes spending even more rewarding since the cardholder can earn Power Rewards and in return, they can avail amazing privileges and benefits on redeeming their Power Rewards through the Power Platinum credit card rewards website.

Features of the Ajman Bank Power Platinum Credit Card

The advanced features of the Ajman Bank Power Platinum Credit Card make it ideal for all types of spenders. Following are the key features of this Ajman Bank credit card:

  • Cash Advance: This is one of the most amazing features of this Ajman Bank Power Platinum Credit Card as cardholders can withdraw cash up to 100% of their total credit limit in times of financial emergency.
  • 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 tenures of 3 to 6 months. Best of all, the cardholder doesn’t have to pay any processing fees to avail of this facility. 
  • CHIP & Pin Security: No matter where or how card members use this Ajman Bank credit card, they can rest assured that their transactions are absolutely secured and safe. For retail transactions, the Chip & pin technology ensures that the Ajman Bank Power Platinum Credit Card can’t be duplicated.
  • Credit Shield: This card offers complimentary credit shield Takaful cover to its cardholders for the first 60 days from the date of issuance and then it will be chargeable going forward. Credit shield provides the option to have an outstanding balance on your credit card waived in some unforeseen event such as natural death, critical illness, and permanent disability.
  • Access to Online Banking: This card provides instant access to online banking. Therefore, it allows card members to manage their credit card conveniently with the help of the multi-function of online banking.
  • Secure Online Purchases: Online transactions are protected with the 3D secure feature of this card. Therefore, it lets the cardholder shop online with absolute peace of mind.
  • Worldwide Acceptance: Another great feature of this Ajman Bank credit card is that it is accepted globally at more than 22 million locations worldwide through MasterCard.

Benefits of the Ajman Bank Power Platinum Credit Card

Below-mentioned are of the top benefits offered by the Ajman Bank Power Platinum Credit Card:

a. Power Points

  1. Faster Rewards Program: On spending of every USD 1, card members can earn 1 Power Points
  2. Endless Redemption Options: Cardholders can redeem these power points at more than 300 airlines, 300,000+ hotels, online purchases of electronics, and much more.

b. 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.

c. Priceless Arabia: Cardholders can enjoy the benefits of shopping, dining, entertainment, travel, attractions, and sports by simply registering this Ajman Bank Power Platinum Credit Card on the official website of Priceless Arabia.

3. Ajman Bank Roadmiles Platinum Credit Card

With the Ajman Bank Roadmiles Platinum Credit Card, customers can enjoy financial freedom. Based on the 100% Shariah compliant and Shariah Islamic principles of Qard, this Ajman Bank credit card is true to its value and beliefs. It makes your day to day shopping experience convenient with its amazing features. There are no other credit cards like Roadmiles Platinum Credit Card. It’s simple, sleek, and rewarding, helping the cardholder to manage their expenditure better.

Features of the Ajman Bank Roadmiles Platinum Credit Card

Below-mentioned are the major features of the Ajman Bank Roadmiles Platinum Credit Card:

  • Cash Advance: Cardholders can withdraw cash up to 100% of their total credit limit in times of financial emergency.
  • Secure Online Purchases: Online transactions are protected with the 3D secure feature of this card. Therefore, it lets the cardholder shop online with absolute peace of mind.
  • 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 tenures of 3 to 6 months. Best of all, the cardholder doesn’t have to pay any processing fees to avail of this facility. 
  • Access to Online Banking: This card provides instant access to online banking. Therefore, it allows card members to manage their credit card conveniently with the help of the multi-function of online banking.

Benefits of the Ajman Bank Roadmiles Platinum Credit Card

The cardholder of this Ajman Bank Roadmiles Platinum Credit Card can enjoy the following benefits:

Roadmiles Reward Program: As a member of this Ajman Bank credit card, the cardholder can earn 1 Mile on spending of every 1 AED.

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.

Ajman Bank Mastercard Platinum Credit Card Eligibility

There are several factors that affect Ajman Bank credit card eligibility criteria and some of the common factors are as follows:

  • Age of the Applicant: To apply for the Ajman Bank MasterCard Platinum Credit Card, the minimum age of the applicant should be 21 years.
  • Income of The Applicant: The income plays a vital role while applying for a credit card. The applicant’s monthly income is used to access whether he/she is able to pay a credit card bill or not.
  • Applicant’s Credit History: One of the most important Ajman Bank credit card requirements is the applicant’s credit history. Basically, credit history is proof that how the applicant manages his/her credit records. So, make sure credit history should be good as poor credit history may disqualify the applicant from obtaining Ajman Bank credit card.
  • Nationality Criteria of The Applicant: Ajman Bank credit cards are typically offered to UAE residents. Non-UAE residents who wish to obtain Ajman Bank credit card will need to talk to the customer care executive of the Ajman Bank for knowing the instructions that how to proceed further.

Top Reasons To Get Ajman Bank Mastercard 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 Mastercard 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 and enjoy a flexible payment plan of up to 12 months. This easy cash facility of Ajman Bank credit card affords the card member financial liquidity in their time of need.

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 installments of 3, 6, 9, and 12 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 Mastercard Platinum Credit Card is that it provides the maximum possible security.

  1. For retail transactions, the CHIP & Pin technology ensures that the Ajman Bank credit card can’t be duplicated
  2. 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. Best of all, the first four supplementary cards are even offered completely free of charge. After that, the bank will charge a nominal annual fee of AED 50 per supplementary card.

Ajman Bank Mastercard Platinum Credit Card Offers

All three Ajman Bank Mastercard Platinum Credit Cards provide an array of benefits and offers. In addition to this, the Ajman Bank credit card provides reward wherein cardholder can earn reward points. Every time the cardholder uses this Ajman Bank credit card, they earn reward points that will be credited to their account. However, the number of reward points will vary depending on the type of credit card they have.

Once the cardholders have accumulated enough reward points in their credit card account, they can redeem them against numerous of gift vouchers, purchasing flight tickets, and much more.

Fees & Charges of Ajman Bank MasterCard Platinum Credit Card

There are some fees & charges associated with each of the Ajman Bank MasterCard Platinum Credit Card. Below we have mentioned the fees & charges of all these three platinum credit cards offered by Ajman Bank:

 

Types of Charges Charges
BRight Platinum Power Platinum Roadmiles Platinum
Profit Rate Per Month 3.50% ---- ----
Annual Membership Fee AED 1000 AED 300 AED 200
Monthly Fee ---- AED 800 AED 950
Supplementary Card Charges First 4 cards are free thereafter AED 50 per annum per supplementary card will be charged
Late Payment Charges (Forced Donation) AED 125
Cash Advance Charges per transactions up to AED 5000 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 for foreign transactions
  • 0% for Ajman Bank BRight Platinum Credit Card
  • 5% for Ajman Bank Power Platinum Credit Card & Ajman Bank Roadmiles Platinum Credit Card

 

Credit Shield Charges 0.89% per month
Liability letter charges AED 50

 

Some General Fees & Charges

 

Cash Advance 90% of the total credit limit 100% of the total credit limit 100% 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 An Ajman Bank Mastercard Platinum Credit Card?

The customer can apply for Ajman Bank Mastercard 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

A prospective customer can apply for Ajman Bank credit card by visiting the official website of the Ajman Bank and click on the credit cards section. Then he/she need to go through all the MasterCard Platinum Credit Cards which the Ajman Bank offers to its customers, zero in on one of the platinum credit card which meets your need and requirements the most. After selecting the card, 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

An applicant can easily apply for Ajman Bank credit card via offline by visiting the nearest bank branch and expressing the interest to secure an Ajman Bank MasterCard Platinum Credit Card of his/her choice as per the requirements. 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.

Documents Required To Apply For Ajman Bank Mastercard Platinum Credit Card

For Ajman Bank credit card application, an applicant is required to submit the following documents:

  • Emirates ID: The applicant needs to present the original and photocopy of Emirates ID.
  • Visa/Passport: Expatriates may also need to show the original and photocopy of a valid passport and UAE visa.
  • Address Proof: The prospective customer is required to provide valid address proof which can be shown in several ways. They may show utility bills with their name clearly mentioned over it. Else he/she can provide resident proof.
  • Income Proof: The applicant will need to provide the valid details of an employer in the UAE. Also, he/she will have to provide his/her salary slips of last 3 months or bank statement.
  • Trade License: Self-employed customers may also need to provide a trade license as proof of legitimate business.

Ajman Bank Mastercard Platinum Credit Card FAQ's

Q.1. What if my monthly income doesn’t meet your requirement? Can I still avail Ajman Bank Mastercard Platinum Credit Card?

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

Q.2. What is Ajman Bank Supplementary Cards?

ANS: Ajman Bank supplementary card is basically an add-on card that primary cardholder can avail for his/her family members and shares the benefits of the primary card. Since it works like a regular Ajman Bank credit card and allows supplementary card members to access credit limits and avail of all the rewards and discounts.

Ajman Bank offers the first four supplementary cards for free. All additional add-on cards are issued for a fee of AED 50 per card.

Q.3. How do I cancel my Ajman Bank MasterCard Platinum Credit Card?

ANS: In order to cancel Ajman Bank MasterCard Platinum Credit Card, you need to follow the below-mentioned steps:

  • First of all, you are required to clear the due amount, fees & charges accrued on your Ajman Bank credit card.
  • Second, you need to submit a written request to Ajman Bank for credit card closure.
  • Third, cut up all the primary as well as supplementary Ajman Bank credit cards in half and return them to the bank.
  • Fourth, request for a No liability certificate. It is an undeniable proof that all the fees & charges have been paid in full. The certificate can easily be obtained from the bank for AED 50.

Q.4. If my Ajman Bank MasterCard Platinum Credit Card is misplaced will that be replaced?

ANS: 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 MasterCard Platinum Credit Card is AED 75.

Q.5. What is an easy installment payment plan? Easy Payment Plan (EPP)

ANS: 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.

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