Ajman Bank ROADMILES Classic Visa Credit Card

About the Ajman Bank ROADMILES Classic Visa Credit Card

Founded in 2007, Ajman Bank quickly built a sterling reputation for itself within the first few years of operation. The bank follows the practices of Islamic Banking, as evident in the Shariah-compliant range of Ajman Bank credit cards.

The ROADMILES series of Ajman Bank credit cards offer cardholders local travel incentives in the form of fuel cards, which can be redeemed at any petrol station in the UAE. With low barriers to membership and an assorted mix of card benefits, the ROADMILES Visa Classic Ajman Bank card is the perfect tool to boost savings and travel in comfort.

Features of the Ajman Bank ROADMILES Classic Visa Credit Card

Owners of the ROADMILES Visa Classic Ajman Bank credit card are given access to outstanding card features such as:

Leading Security Protocols

All Ajman Bank cards come equipped with the highest standard of encryption and web security. The ROADMILES Visa Classic Ajman Bank credit card is fitted with a leading online security protocol by the name of 3D Secure. Under the 3D Secure protocol, Ajman Bank credit card owners are required to enter an OTP when performing an online transaction. The OTP is sent to the Ajman Bank card member’s registered mobile number alone, which prevents malicious parties from making fraudulent online transactions.

Outstanding Balance Transfers

The ROADMILES Visa Classic Ajman Bank credit card offers cardholders an extremely practical balance transfer facility, which allows them to their clear outstanding dues with great ease. The Ajman Bank card’s balance transfer feature can be availed for tenors of 3 months, 6 months, 9 months and 12 months at 0% profit rate and a small one-time processing fee. Customers may request for a balance transfer on their Ajman Bank credit card by contacting 800-22.

Quick Cash Advances

In times of emergency, there is often no better substitute for quickly available cash, and that is exactly what the Ajman Bank credit card cash advance feature offers. Cardholders can request for up to 80% of their available ROADMILES Visa Classic Ajman Bank card limit in funds, which is transferred directly into a customer-specified UAE bank account. The process takes minutes, involves no paperwork and can be availed for a small fee of AED 150. Cash advance features on the Ajman Bank credit card can be requested by calling 800-22.

Easy Installment Plans

Another exciting feature that the ROADMILES Visa Classic Ajman Bank credit card offers is the Easy Installment Plan scheme. Cardholders can convert purchases at partnered locations into smaller instalment amounts to be repaid in tenors of 3 months and 6 months, and with no processing charges. Furthermore, owners of an Ajman Bank credit card may even utilize government services in the same manner under the Ajman government’s Buy Now Pay Later program. Further details on the instalment schemes can be found on the Ajman Bank site.

Insured Card Repayments

Offered as protection against unforeseen accidents, illnesses and more, the Credit Shield program is provided to all Ajman Bank card holders for a minimal fee. Credit Shield is provided absolutely free of charge for the first two months, after which it costs the cardholder only 0.89% of their monthly outstanding balance. The various situations covered under insurance are as follows

Permanent Total Disability & Death

Outstanding balance and dues on the ROADMILES Visa Classic Ajman Bank credit card are waived up to a maximum amount of AED 100,000.

Critical Illnesses

This is applicable for cardholders diagnosed with severe illnesses such as heart attacks, strokes, coronary bypass surgeries, organ transplants, etc. after the policy’s commencement date. In such situations, the Credit Shield insurance waives 120% of the Ajman Bank credit card limit, up to a maximum amount of AED 100,000.

Involuntary Loss of Employment

If the cardholder is faced with sudden, involuntary unemployment, 10% of their ROADMILES Visa Classic Ajman Bank credit card outstanding balance is waived under the Credit Shield policy. This is capped at AED 4,000 per month for a total of 12 months.

Protected Purchasing

Also offered to Ajman Bank card owners under the Credit Shield insurance policy are the purchase protection and extended warranty services. Under purchase protection, any new product bought with the ROADMILES Visa Classic Ajman Bank credit card is covered against loss, theft or damage within a fixed period of time. The bank will bear the cost of repair or replacement in the event that the newly purchased item is lost, damaged or stolen. The extended warranty service doubles the warranty on any product purchased with the Ajman Bank card, up to 24 months at most.

Benefits of the Ajman Bank ROADMILES Classic Visa Credit Card

A ROADMILES Visa Classic Ajman Bank credit card offers unlimited potential for travel and passes on huge savings directly to cardholders. The benefits of this Ajman Bank card are further expanded upon below.

Credit Limit

On qualifying for the ROADMILES Visa Classic Ajman Bank credit card, customers will be asked to deposit a security cheque. The security deposit is kept by the bank and in return, the cardholder receives a fixed credit limit to make use of. The ROADMILES Visa Classic Ajman Bank credit card gives cardholders access to a maximum credit limit of AED 12,000.

ROADMILES

As part of the ROADMILES line of cards, the Visa Classic Ajman Bank credit card lets cardholders earn incentives such as free fuel and cash backs in the form of ‘ROADMILES’. The cardholders earn 1 mile for every AED 1 of expenditure made with the ROADMILES Visa Classic Ajman Bank card. These miles can be redeemed either for fuel cards or as cash back. Fuel cards are accepted at all petrol pumps in the UAE. Miles earning is also contingent on meeting the minimum monthly spending requirement of AED 2,000.

Cash Withdrawals

The ROADMILES Visa Classic Ajman Bank credit card allows cardholders to withdraw up to 100% of their available credit limit instantly as cash from any Ajman Bank branch or ATM in the world. The list of all Ajman Bank branches and ATMs can be found on the Ajman Bank site.

Supplementary Cards

Supplementary Ajman Bank cards are an excellent way to share the benefits of a ROADMILES Visa Classic Ajman Bank credit card with family members and to monitor spending as well. A supplementary Ajman Bank credit card shares a common credit limit with the primary card and can be set with spending limits as per the primary cardholder’s instructions. The ROADMILES Visa Classic Ajman Bank credit card offers up to 4 supplementary cards free of charge. Additional supplementary Ajman Bank cards are available for extremely low yearly fees of AED 50 per card.

Easy Instalment Plans

Cardholders can make use of Easy Instalment Plans and the Ajman government’s Buy Now Pay later schemes to convert big amount transactions at partnered stores and government entities into small monthly payments. Monthly payments carry no profit rate or processing charges and are available for tenors of 3 months and 6 months. Easy Instalment Plans may only be availed by Ajman Bank card owners for minimum transactions of AED 1,000 or more. The partnered locations are detailed on the Ajman Bank website.

Eligibility Criteria for the Ajman Bank ROADMILES Classic Visa Credit Card

The eligibility criteria for the ROADMILES Visa Classic Ajman Bank credit card are updated regularly and may change as per the bank’s discretion. These are some of the most commonly noted criteria of eligibility for an Ajman Bank card.

Age of Customer

Age is one of the first eligibility checks for an Ajman Bank credit card. The ROADMILES Visa Classic Ajman Bank card is issued to customers that are at least 21 years of age. Younger applicants may qualify for the Ajman Bank credit card as part of a joint application with their legal guardian and further approval from the bank.

Income Information

The applicant will be required to submit accurate details of their employment in the UAE, which includes salary slips, employer details and a trade license for self-employed applicants. Furthermore, the ROADMILES Visa Classic Ajman Bank credit card also carries a minimum monthly salary requirement, which is used to assess the applicant’s ability to make repayments for the Ajman Bank card.

Document Submissions

As part of the Ajman Bank credit card due diligence process, the applicant is required to submit valid proof of address and identity. Documents such as utility bills can be shown as proof of address, while an Emirates ID, passport and UAE visa are sufficient proofs of identity. The ROADMILES Visa Classic Ajman Bank credit card application process is only completed once all requested documentation has been submitted.

Credit Score

The Al Etihad Credit Bureau creates detailed reports on the credit histories of UAE residents. These reports contain information such as availed lines of credit, missed payments, ongoing financial obligations and much more. The sum total of these various factors is lumped together into a consolidated credit score. The Ajman Bank credit card application process takes the customer’s credit score into consideration. It is important to maintain a good credit score in order to qualify for ROADMILES Visa Classic Ajman Bank credit card.

Residency

ROADMILES Visa Classic Ajman Bank credit cards are only issued to UAE residents. Non-residents will be required to contact Ajman Bank card representatives in order to proceed further. The Ajman Bank customer care number is 800-22.

Top Reasons to Get the Ajman Bank ROADMILES Classic Visa Credit Card

In addition to the top of the line features and benefits, the ROADMILES Visa Classic Ajman Bank credit card offers a host of other advantages to cardholders. Some of the many reasons to get the Ajman Bank credit card are:

Values

As an Islamic Banking institution, Ajman Bank offers cardholders the utmost Shariah-compliant The ROADMILES Visa Classic Ajman Bank credit card charges absolutely no interest and maintains a completely transparent system of charges. The bank also prides itself for its customer-first practices, with friendliness, fairness and clarity ranking high on its list of company values.

Contactless Payments

The highly convenient contactless payment option allows cardholders to use the ROADMILES Visa Classic Ajman Bank credit card to make payments quickly and securely by simply waving or tapping their Ajman Bank card at the card machine. Not only is this contactless payment option extremely fast and convenient, but it also helps cardholders avoid damaging their Ajman Bank credit card.

Samsung Pay

Another form of contactless Ajman Bank credit card payment method that is offered to Samsung smartphone owners is Samsung Pay. However, unlike the previously mentioned contactless payment method, Samsung Pay doesn’t even require the Ajman Bank credit card to be pulled out. Cardholders can use the Samsung Pay app to make purchases with their ROADMILES Visa Classic Ajman Bank card via their Samsung smartphone itself.

Greener Banking

Ajman Bank’s approach to green banking is an outstanding initiative that top financial institutions around the world are still in the process of adopting. By providing an interactive e-statement, the Ajman Bank credit cards have effectively eliminated the need for bulky and wasteful paper statements. Not only is the ROADMILES Visa Classic Ajman Bank card e-statement more environmentally friendly, but it is also far more convenient. It can be accessed from anywhere across the globe and is delivered without fail to the cardholder’s registered email account.

Banking Comforts

One of the biggest advantages of an Ajman Bank credit card is the convenience of banking that the card offers. Customers can bank online, through the phone, via text, in branches and at ATMs and CCDMs. This diverse variety of banking options allow customers to stay connected on the go and throughout the UAE.

Awards & Recognition

Time and again Ajman Bank has made its excellent service apparent by receiving awards and praise from leading financial institutions. The Ajman Bank credit cards have often been singled out as the best Islamic Banking credit cards in UAE, while the bank’s innovative approach to lending has also seen it rewarded with titles of the most innovative and fastest growing bank in the UAE and the Middle East.

Community Centered

Dedication to the community and social welfare is one aspect of Islamic Banking that Ajman Bank takes very seriously. The bank has been proud sponsors of various community outreach programs such as the Ramadan Aman feasts which have been catered to by Ajman Bank staff themselves. Furthermore, late payment charges on any Ajman Bank credit card are donated to various charities across the UAE.

Well-Connected

Regular interactions with government bodies such as the Ajman Free Zone, Ajman Municipality, the Ajman Chamber of Commerce and more have helped Ajman Bank create positive and lasting effects on the emirate. Similarly, the Ajman Bank credit cards also enjoy the benefits of this highly diverse network of agencies, which allows the bank to keep costs low and offer plenty of incentives to cardholders.

Ajman Bank ROADMILES Classic Visa Credit Card Offers

Besides the incredible aforementioned features and benefits of the ROADMILES Visa Classic Ajman Bank credit card, the bank also regularly rolls out new and exciting offers that cardholders can avail of. These are some of the Ajman Bank credit card offers in effect as of March 2019:

Samsung S9 Offers

Ajman credit cards offer the highest spending cardholder every month a brand new Samsung S9 smartphone. This offer is valid till 31st July 2019 and cardholders can qualify for the same by spending at least AED 500 in the month

Mudaraba Deposits

The Mudaraba deposit is based on the Islamic Banking concept of pooled investment. Owners of the ROADMILES Visa Classic Ajman Bank credit card can invest in the Mudaraba pool for tenors between 3 months to 12 months, with longer tenures earning greater returns. Cardholders are also required to maintain a balance of at least AED 10,000 in their Ajman Bank card The deposits can be made in AED and USD currencies both.

Wakala Deposits

Also known as an upfront profit deposit, the Wakala deposit scheme allows Ajman Bank credit card owners to start benefitting from their investments straight away. Cardholders can use their profit right away instead of having to wait. Ajman Bank card owners can avail of the deposit for tenors ranging between 6 months and 3 years. Cardholders are also required to maintain a minimum balance of AED 100,000 in their Ajman Bank credit card account.

Owners of the ROADMILES Visa Classic Ajman Bank credit card can avail of the Mudaraba and Wakala deposits by submitting an online application, which can be found on the Ajman Bank site, or by contacting the Ajman Bank customer care number at 800-22.

Ajman Bank ROADMILES Classic Visa Credit Card Fees & Charges

Some of the applicable fees and charges on the ROADMILES Classic Visa Ajman Bank credit card are mentioned below:

  • Annual Membership Fee: AED 100
  • Monthly Maintenance Fee: AED 250
  • Cash Advance Fee: AED 150 (For up to AED 5,000)
  • Late Charges: AED 125 (This amount is donated to charity)
  • Over-limit Charges: AED 125
  • Card Replacement Charge: AED 75

The full breakdown of fees and charges for the ROADMILES Visa Classic Ajman Bank card can be found on the Ajman Bank site under ‘schedule of charges’.

Ajman Bank ROADMILES Classic Visa Credit Card Rewards

The ROADMILES Classic Visa Ajman Bank credit card offers cardholders enrolment into the ROADMILES rewards program. The ROADMILES rewards program is offered to owners of any ROADMILES Ajman Bank card and can be used for a variety of redemption opportunities after meeting the specified minimum monthly spending requirement.

The minimum spending requirement on the ROADMILES Visa Classic Ajman Bank credit card is AED 2,000 per month.

How to Earn ROADMILES

Cardholders earn miles by simply spending with their ROADMILES Visa Classic Ajman Bank credit card. The earning criterion is as follows:

  • For every AED 1 spent on the ROADMILES Visa Classic Ajman Bank card, the cardholder earns 1 mile.

Note that the ROADMILES Visa Classic Ajman Bank credit card offers cardholders a credit limit of AED 12,000.

How to Redeem ROADMILES

Owners of the ROADMILES Classic Visa Ajman Bank credit card can redeem their accumulated ROADMILES in one of two ways:

  • For Fuel Cards: The Ajman Bank credit card offers fuel cards in return for ROADMILES. Fuel cards can be used at any petrol pump in the UAE and can help cardholders save immensely on fuel expenditure.
  • For Cashback: Alternatively, Ajman Bank card members can request for their rewards points to be converted into cashback, which is credited into their respective bank accounts. To request for redemption of ROADMILES or for cash back, the Ajman Bank credit card owner is requested to contact the customer care staff at 800-22.

How to Apply for the Ajman Bank ROADMILES Classic Visa Credit Card

The ROADMILES Visa Classic Ajman Bank credit card can be applied for at any Ajman Bank branch, or through the online application form.

  • At Branches: Interested applicants can head over to any of the Ajman Bank branches in the UAE to apply for the ROADMILES Visa Classic Ajman Bank card. The branch locations can be found on the Ajman Bank site.
  • Online: As a far more convenient option, the online ROADMILES Visa Classic Ajman Bank credit card application can be initiated via the bank’s site. In order to successfully complete the Ajman Bank card application process, customers will be required to carry certain documents with them, which are detailed in the next section.

Additional Information & Documentation

Customers can complete their ROADMILES Visa Classic Ajman Bank credit card application successfully by submitting the following documents:

Income Proof

The applicant will be required to submit income proof in the form of employer details and their latest months’ salary slips. This will be used to assess whether the applicant meets the minimum monthly income requirement for the ROADMILES Visa Classic Ajman Bank credit card.

Address Proof

Ajman Bank credit card applicants are required to have a valid UAE address. The customer will be asked to submit an address proof, which can be in the form of a utility bill, tenancy agreement, title deed, etc.

Emirates ID

ROADMILES Visa classic Ajman Bank credit cards are only issued to UAE residents. As such, applicants will be required to submit residency proof in the form of their Emirates ID. Non-residents may be required to adhere to a different application process, the details of which can be found out by contacting the Ajman Bank credit card customer care staff at 800-22.

Passport & Visa

While both UAE-nationals and expatriates will be required to submit their passport copy for ID verification, only non-nationals will have to submit the original and a photocopy of their UAE visa as well.

Security Deposit

To avail of the Ajman Bank credit card limit applicants will be required to deposit a security cheque. The security deposit amount will vary depending on the agreed upon Ajman Bank card’s credit limit.

Trade License

Self-employed ROADMILES Visa Classic Ajman Bank credit card applicants will also have to submit a UAE trade license, which proves they own a legitimate

The required document list may change at any time as per Ajman Bank’s sole discretion. ROADMILES Visa Classic Ajman Bank credit card applicants should consult the customer care staff at 800-22 for further instructions.

Cardholders should also be aware of the following useful tools, which can make using a ROADMILES Visa Classic Ajman Bank credit card even more rewarding.

  • Internet Banking: Cardholders can perform all conventional banking operations on their ROADMILES Visa Classic Ajman Bank credit card from anywhere on the go via the Ajman Bank internet banking portal. The Ajman Bank credit card digital banking login is available on any web browser.
  • Phone Banking: Customers can also access their Ajman Bank credit card account statement, perform fund transfers, make Ajman Bank card payments and more via the phone banking portal. Phone banking can be accessed by contacting 800-22.
  • E-Statement: The ROADMILES Visa Classic Ajman Bank credit card is part of the bank’s green banking initiative. Cardholders can opt for free monthly e-statements instead of wasteful paper statements. The e-statement is convenient, secure and absolutely free of charge. It can be requested for via the internet banking portal, or by contacting the Ajman Bank credit card customer support at 800-22.
  • Ajman Bank Branches: Ajman Bank offers cardholders access to a widespread network of branches across the UAE, allowing them to bank conveniently from nearly every emirate. The list of Ajman Bank branches can be found on the bank’s site.

Ajman Bank ROADMILES Classic Visa Credit Card FAQ

Q.1. What is the advantage of a supplementary Ajman Bank ROADMILES Classic Visa Credit Card?

ANS. A supplementary ROADMILES Visa Classic Ajman Bank credit card offers family members of the primary cardholder access to the card’s credit limit and to its various benefits. Supplementary Ajman Bank card members share a common credit limit with the primary card. Supplementary Ajman Bank credit cards can also be set with a spending limit to monitor expenses.

Customers may request up to 4 supplementary ROADMILES Visa Classic Ajman Bank credit cards absolutely free. Additional supplementary Ajman Bank cards are available for a minimal yearly charge of AED 50 per card.

Q.2. Where can I check up on my ROADMILES reward points?

ANS. Owners of the ROADMILES Visa Classic Ajman Bank credit card are eligible to earn ROADMILES for purchases made with the card. Cardholders earn 1 mile for every AED 1 spent with the Ajman Bank card.

These miles can be redeemed for fuel cards and cashback by contacting the Ajman Bank credit card support staff at 800-22. The status of points can be checked by logging into the digital banking portal, available on the bank website.

Q.3. Where can I make payments for the Ajman Bank ROADMILES Classic Visa Credit Card?

ANS. Card repayments for the ROADMILES Visa Classic Ajman Bank credit card can be made through any of the following ways:

  • Branches: Payments for the ROADMILES Visa Classic Ajman Bank credit card can be made at any Ajman Bank branch in the UAE. Branch addresses can be found on the Ajman Bank site.
  • ATMs & CCDMs: The Ajman Bank card can also be paid for at any of the Ajman Bank ATMs and Cash & Cheque Deposit Machines (CCDMs). The list of ATMs and CCDMs is available on the bank’s website.
  • Internet Portal: Ajman Bank credit cards offer an extremely user-friendly digital banking portal for cardholders to track account activity, make payments, transfer funds and more. The Ajman Bank internet banking login can be accessed from any web browser.
  • Phone Banking: Cardholders can even make their Ajman Bank credit card payments via a phone banking service, which can be initiated by calling 800-22.
  • Mobile Banking App: ROADMILES Visa Classic Ajman Bank credit card payments can be made through the Ajman Bank mobile banking app, available on Android and iOS stores.
  • SMS Service: In addition to providing updates on the Ajman Bank credit card activities, the Ajman Bank SMS service can also be utilized to initiate card payments. The various instructions needed to make an Ajman Bank card payment via SMS are detailed on the bank website.

Q.4. How can I cancel my Ajman Bank ROADMILES Classic Visa Credit Card?

ANS. The ROADMILES Visa Classic Ajman Bank credit card can be cancelled by submitting a written request to the bank. However, before the request is submitted, the owner of the Ajman Bank card will be required to clear all outstanding dues on the card.

Once all the dues have been cleared, cardholders should submit the written request along with all primary and supplementary Ajman Bank credit cards cut in half, to the bank. Once the cards and written request have been received, the Ajman Bank staff will close the card account, block the Ajman Bank credit card and calculate any outstanding payments on the same.

Security deposits are typically refunded after 60 days of the cancellation request. Ajman Bank credit card owners are also advised to obtain a No Liability Certificate, which functions as a no-dues certificate, clearing the cardholder of future responsibility for the card. The No Liability Letter can be obtained for an additional fee of AED 50.

Q.5. What do I do in case my Ajman Bank ROADMILES Classic Visa Credit Card is lost or stolen?

ANS. In the event that a ROADMILES Visa Classic Ajman Bank credit card is stolen or misplaced, the cardholder is required to immediately contact the Ajman Bank customer care number at 800-22. Following this, the cardholder will also have to submit a written request detailing the events that lead to the loss of their Ajman Bank credit card. The written request must be submitted within 48 hours of the verbal request.

Furthermore, the cardholder should also alert local police authorities in the area about the loss of the Ajman Bank card.

If the misplaced card is found at any later time, the cardholder is required to cut it up in half and return both halves to Ajman Bank without making use of the card.

A replacement card for the ROADMILES Visa Classic Ajman Bank card will then be issued to the cardholder for a fee of AED 75.