Ajman Bank ROADMILES Premium Credit Card

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The ROADMILES Premium Ajman Bank credit card offers cardholders an impressive array of Ajman Bank card features and access to the ROADMILES loyalty program. Cardholders can save immensely on fuel purchases and day to day spending with the ROADMILES Premium Ajman Bank credit card.

Features & Benefits of the Ajman Bank ROADMILES Premium Credit Card

The ROADMILES Premium Ajman Bank credit card is a Visa-powered card and offers the following features and benefits to its cardholders:

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.

Secured Transactions

Online transactions made with the ROADMILES Premium Ajman Bank card are protected with 3D Secure protocols of security. As part of the 3D Secure process, the cardholder will receive a unique 6-digit pin on their registered mobile number. This pin will have to be entered in order to complete the transaction.

Balance Transfers

Members of the ROADMILES Premium Ajman Bank credit card may transfer outstanding balance from other credit cards onto the Ajman Bank card in order to enjoy relaxed repayments with no extra profit charges. This balance transfer facility can be used for tenors between 3 months and 12 months.

Instalment Plan

Also known as the Ajman Easy Instalment Scheme, owners of the ROADMILES premium Ajman Bank credit card can make use of this feature to convert large purchases into small monthly instalments.  These equal instalments can be paid over 3 to 6 months at 0% profit rate.

Emergency Funds

Cardholders can request for up to 90% of their available ROADMILES Premium Ajman Bank card limit, which is credited into any bank account of their choosing. This cash loan can be repaid over 3 to 12 months. 

Free Supplementary Cards

The primary ROADMILES Premium Ajman Bank credit card member can request for up to 4 supplementary cards at absolutely no charge. All subsequent supplementary Ajman Bank cards are issued for AED 50.

Cash Advance

Cardholders may withdraw their entire available ROADMILES Premium Ajman Bank credit card limit via any Visa-enabled ATM.

Credit Shield

Owners of the ROADMILES Premium Ajman Bank card are given access to a comprehensive insurance policy by the name of   Credit  Shield.  The  Credit  Shield policy clears cardholders from their obligation to pay for the Ajman Bank credit card in times of tragedy and financial strain such as critical illness, permanent total disability, involuntary loss of employment and death. The Credit Shield policy also offers cardholders purchase protection and extended warranties for any purchase made with the ROADMILES Premium Ajman Bank credit card. 

Card Specific Benefits

The numerous benefits of the ROADMILES Premium Ajman Bank card are: 

  • Credit Limit: The ROADMILES Premium Ajman Bank credit card gives cardholders access to a massive credit limit of up to AED 35,000.
  • Miles: Owners of the ROADMILES Premium Ajman Bank credit card are given membership into the ROADMILES loyalty program. Cardholders earn 1 Mile for every AED 1 they spend with their Ajman Bank card. These Miles can be redeemed for cash back or fuel cards, which can be used at all petrol stations in the UAE.
  • Global Scope: As a Visa card, the ROADMILES Premium Ajman Bank credit card offers connectivity anywhere in the world – at vendors and ATMs alike. 

Rewards & Offers on Ajman Bank ROADMILES Premium Credit Card 

Ajman Bank ROADMILES Premium Credit Card
Rewards Offers
Cardholders earn 1 Mile for every AED 1 spent with their ROADMILES Premium Ajman Bank credit card. Miles can be redeemed for cash back and fuel cards. Buy Now Pay Later: Offered by the Ajman Government, cardholders can avail of select government services and pay for them as monthly instalments over 3 to 6 months.

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.

Eligibility Criteria & Charges on Ajman Bank ROADMILES Premium Credit Card

Ajman Bank ROADMILES Premium Credit Card
Eligibility Criteria Fees & Charges
The applicant must be a UAE resident. Annual Fee: AED 150
A good credit score is required. Monthly Fee: AED 600
Valid ID & Address proof documents are required. Late Fee: AED 125*
A security deposit cheque is required. Over-Limit Fee: AED 125
Employment and salary details are required. Cash Advance Fee: AED 150 (per AED 5,000 withdrawn)

* The late Ajman Bank credit card payment charge is donated to charity.

Documents Required for Ajman Bank ROADMILES Premium Credit Card

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. 

Frequently Asked Questions on Ajman Bank ROADMILES Premium Credit Card 

Q1: What does a Credit Card Balance Transfer mean? 

Ans: The Balance Transfer on credit card means the transfer of the amount existing in one credit card account to another credit card account. A Balance Transfer fee may also be levied on you in order to avail this facility in case of some cards.

Q2:  Are my personal details safe & secure? 

Ans: Yes. Your Ajman Bank Credit Card details will be encrypted and then stored on a secure and safe server.

Q3: Can expats residing in the UAE apply for Ajman bank Roadmiles Premium Credit Card? 

Ans: Yes, expats residing in the UAE can apply for Ajman bank Roadmiles premium credit card. 

Q4: What is the annual fees for this card?

Ans: The annual fee for this credit card is AED 150.