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Ajman Bank ROADMILES Visa Platinum Credit Card

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The ROADMILES Visa Ajman Bank Platinum credit card offers cardholders big savings and limitless travel as part of the ROADMILES rewards program. This Ajman Bank credit card also offers world-class services in addition to rewards points and fuel cards. Additional details on the exciting ROADMILES Visa Ajman Bank Platinum credit card features and benefits are provided in the sections below.

Features and Benefits of the Ajman Bank ROADMILES Visa Platinum Credit Card

A long list of industry-leading features makes the ROADMILES Visa Ajman Bank Platinum credit card a  true delight for cardholders to behold. Mentioned below are some of the most eye-catching features that the Ajman Bank credit card offers.

Secured Payments

The ROADMILES Visa Ajman Bank Platinum credit card comes equipped with the highest standards of security protocols. This Ajman Bank credit card employs chip & pin security for in-store transactions and 3D Secure protocols for online transactions. Chip & pin cards come embedded with a unique microchip, which makes the card nearly impossible to be duplicated. Whereas, the 3D Secure protocol ensures that all web transactions are accompanied by an OTP, which is sent to the Ajman Bank credit card owner’s registered mobile alone.

Balance Transfers

One of the most attractive facilities offered on the ROADMILES Visa Ajman Bank Platinum credit card is the balance transfer service. Cardholders can transfer outstanding balance amounts from all of their cards onto a single Ajman Bank credit card and avail of the balance transfer facility for tenors of  3  months, 6 months, 9 months or 12 months. Cardholders are not charged any profit rate and can initiate balance transfer within minutes by contacting the Ajman Bank credit card support staff at 800-22.

Easy Instalment Plans

This Ajman Bank credit card offers an easy instalment plan feature, which is used to turn big purchases into small monthly payments with fixed tenors. The ROADMILES Visa Ajman Bank Platinum credit card allows cardholders to turn purchases at these vendors into easy instalment plans with 0% profit-rate and tenors of 3 months or 6 months. Furthermore, thanks to the bank’s active involvement in the community, cardholders can also use their Ajman Bank Platinum credit card to pay for government services with an instalment plan. This feature is available under the Ajman Government Buy Now Pay Later plan, the details of which can be found here.

Cash on Call

Also referred to as quick cash or easy cash, the cash on call facility is one that allows the Ajman Bank credit card owner to withdraw up to 90% of their available credit limit as instant cash. The funds are directly transferred into the cardholder’s account and can be repaid for tenors ranging between 3 months and 12 months. To request for cash on call, cardholders are required to contact the Ajman Bank credit card support number at 800-22.

Credit Shield

Cardholders can protect their Ajman Bank credit card payments via the Credit Shield insurance scheme. The insurance policy protects the cardholder against the following scenarios: 

  • Death & Total Permanent Disability Cover: If the primary ROADMILES Visa Ajman Bank Platinum credit card owner suffers a permanent disability or dies while the policy is active, they are liable to receive up to AED 100,000 and have their outstanding balance payments waived.
  • Illness Cover: Cardholders that are diagnosed with a critical illness will have their outstanding Ajman Bank credit card balance waived and can also receive up to AED 100,000 in compensation.
  • Loss of Employment Cover: For any involuntary loss of employment, owners of the ROADMILES  Visa Platinum Ajman Bank credit card will get waivers for 10% of their outstanding balance up to AED 4,000 per month. This cover is valid for a time period of 12 months only. 

The Credit Shield facility is provided free of charge to  ROADMILES Visa Ajman Bank Platinum credit card owners for the first two months. After which, the cardholder can avail of the insurance policy for a low monthly charge of 0.89% of the outstanding balance amount.

Purchase Protection & Extended Warranty

Additionally, the Credit Shield insurance policy also offers owners of the ROADMILES Visa Ajman Bank Platinum credit card the purchase protection and extended warranty features. Any new purchases made with the Ajman Bank credit card are protected for a specified time period against loss, theft and damage. Moreover, the extended warranty feature doubles the warranty period on items purchased with the Ajman Bank Platinum credit card for up to a maximum of 24 months. 

ROADMILES Rewards

Members of the ROADMILES Visa Ajman Bank Platinum credit card receive membership into the ROADMILES rewards program. As part of the rewards program, cardholders earn miles for every AED of expenditure on their Ajman Bank credit card. These miles can be redeemed for fuel cards and cash back. The fuel cards issued by Ajman Bank are valid at any petrol pump in the UAE. In order to access the ROADMILES rewards program, owners of the ROADMILES Visa Ajman Bank Platinum credit card are required to have spent a minimum of AED 2,000 in the month.

Cash Withdrawals

ROADMILES Visa Ajman Bank Platinum credit card owners can withdraw up to 100% of their available credit card limit at ATMs or by contacting the customer care number at 800-22. The maximum available credit limit on this Ajman Bank Platinum credit card is AED 75,000.

Global Acceptance

As a Visa powered card, the ROADMILES Visa Platinum Ajman Bank credit card enjoys acceptance all over the globe. From ATMs to retail store machines, the Ajman Bank credit card can be used freely anywhere that Visa is accepted.

Supplementary  Members

Family members of the primary cardholder can also enjoy the many benefits of the ROADMILES Visa Platinum Ajman Bank credit card through supplementary cards offered by the bank. The first 4 supplementary Ajman Bank Platinum credit cards are offered free of cost, while additional cards are provided for a low annual fee of AED 50 per card.

Equal Monthly Instalments

This Ajman Bank credit card offers a highly-rewarding equal monthly instalment scheme, which enables cardholders to split up big purchases into small, easily managed monthly payments. The equal monthly instalment plan charges no profit rate and can be availed for tenors of up to 6 months. 

Eligibility for the Ajman Bank ROADMILES Visa Platinum Credit Card

The eligibility criteria for the ROADMILES Visa Ajman Bank Platinum credit card are subject to change frequently as per the bank’s requirements. However, some of the most commonly noticed requirements are as follows: 

  • Minimum Age: The minimum age requirement for a ROADMILES Visa Platinum Ajman Bank credit card applicant is 21 years. Younger applicants may  apply jointly for  an Ajman Bank credit card with  the bank’s approval.
  • Employment & Salary: Even though it is not specifically mentioned on the bank’s website, the Ajman Bank Platinum credit cards do carry a minimum salary requirement. To qualify for the  ROADMILES Visa Platinum Ajman Bank credit card, applicants will be required to submit their employer details as well as their latest salary slips. These salary statements will be used to judge if the applicant qualifies for a ROADMILES Visa Ajman Bank Platinum credit card.
  • Credit Report: Issued by the Al Etihad credit bureau, credit reports detail the applicant’s previous payment records, ongoing credit card payments and information on all lines of  availed  credit  –  through credit cards, loans, mortgages and more. These details are then combined into a single credit score, which is an important indicator of what type of customer the person is. A high credit score will definitely help applicants qualify for the ROADMILES Visa Platinum Ajman Bank credit card.
  • Residency Status: ROADMILES Visa Ajman Bank Platinum credit cards are offered to UAE residents only. Applicants will be asked to present their Emirates ID as proof of residency during the time of application. Non-residents may qualify for the ROADMILES Visa Platinum Ajman Bank credit card  under special circumstances and will need to consult the Ajman Bank credit card support staff for  further instructions. The Ajman Bank customer care number is 800-22.

 Ajman Bank ROADMILES Visa Platinum Credit Card Offers and Rewards

Updated frequently as per the UAE market sentiment, the Ajman Bank credit card offers  currently  available are: 

  • Mudaraba Deposits: The Mudraba deposit scheme is a joint investment opportunity offered to all Ajman Bank credit card The term deposit can be availed of for tenors of 3 months – 12 months, with longer tenors earning greater returns. ROADMILES Visa Ajman Bank Platinum credit card owners can make deposits in either AED or USD and are required to maintain a balance of AED 10,000 at least.
  • Wakala Deposit: This particular deposit allows the Ajman Bank credit card owner to immediately receive returns on investments. Cardholders are required to make a minimum deposit of AED 100,000 and can participate in the Wakala Deposit scheme for tenors of 6  months to 3  years. Deposits are   only allowed in AED currency. 

The ROADMILES Visa Platinum Ajman Bank credit card offers automatic membership into the ROADMILES rewards program. As members of  the ROADMILES program, cardholders are eligible to  earn discounts on fuel expenditure and even avail of rewards points as cash back.

In addition to the ROADMILES loyalty program, this Ajman Bank Platinum credit card also provides cardholders with an impressive credit limit of up to AED 75,000. 

How to Earn ROADMILES

As members of the ROADMILES Visa Platinum Ajman Bank credit card, customers are enrolled in the ROADMILES rewards program. Cardholders can  then start earning miles by  using their Ajman Bank  credit card to make purchases. Miles are earned in the following way:

  • For every AED 1 of expenditure on the Ajman Bank Platinum credit card, the cardholder receives 1  Mile.
  • In order to start earning miles, cardholders are first required to meet the minimum monthly spending requirement of AED 2,000.

How to Redeem ROADMILES

  • Accumulated ROADMILES can be redeemed for either Fuel Cards or cash back. 
  • Owners of the ROADMILES Visa Platinum Ajman Bank credit card can make use of these fuel cards across any petrol pump in the UAE.
  • Cashback is credited into the Ajman Bank Platinum credit card
  • Cardholders can redeem ROADMILES by contacting the Ajman Bank credit card customer support at 800-22.

Ajman Bank ROADMILES Visa Platinum Credit Card Fees & Charges

The Ajman Bank credit card offers customers a completely transparent system of fees and charges. The bank also advises applicants to go over the ROADMILES Visa Ajman Bank Platinum credit card policy document before applying. These are some of the most commonly incurred charges on the ROADMILES Visa Ajman Bank Platinum credit card: 

  • Annual Membership Fee: AED 200
  • Monthly Membership Fee: AED 950
  • Cash Advance Charge: AED 150 (The maximum transaction amount allowed is AED 5,000)
  • Card Replacement Charge: AED 75
  • Late Charge: AED 125 (This amount is donated to charity)
  • Over-Limit Charge: AED 125 

All the associated fees and charges on the ROADMILES Visa Platinum Ajman Bank credit card can be found here.

Documents Required Ajman Bank ROADMILES Visa Platinum Credit Card

To successfully complete the ROADMILES Visa Platinum Ajman Bank credit card application, applicants will be required to submit the following documents: 

  • Emirates ID: An Emirates ID is  taken as  proof of  residency. As  the Ajman Bank platinum credit card is only offered to UAE residents, all applicants will be required to submit their Emirates ID for verification.
  • Passport & Visa: Applicants are asked to present the original and photocopy of their passport as identity proof. While UAE nationals are not required to show their visa, expatriates will be asked to present their valid UAE visa.
  • Address Proof: In order to complete the ROADMILES Visa Platinum Ajman Bank credit card application, applicants will be required to submit their address proof. Government utility bills, lease agreements, title deeds and other such documents may be used as address proof.
  • Security Deposit Cheque: The ROADMILES Visa Platinum Ajman Bank credit card offers a  credit  limit of AED 75,000. In return for this enormous credit limit, applicants are required to  deposit a  security cheque for a stipulated amount set by the bank.
  • Bank Statement: Applicants may be required to submit up to the latest 6 months or more of their banking statement, in order for the Ajman Bank credit card staff to analyze spending patterns and assess risk.
  • Employment Details: ROADMILES Visa Ajman Bank Platinum credit cards come with a minimum monthly income requirement that the applicant must meet. As such, the applicant will be  asked to  share their employment details and latest salary slips with the bank.
  • Trade License: Issued by the department of economic development, the appropriate emirate’s  chamber of commerce or even by the central bank of UAE, a trade license is a permit which allows people to conduct different types of business in the UAE. Self-employed  applicants  will  have to submit their trade license in order to qualify for this Ajman Bank credit card. 

FAQ's ROADMILES Visa Platinum Ajman Bank credit card

Q1: What is the fee for a supplementary Ajman Bank credit card? 

Ans: The first four supplementary ROADMILES Visa Ajman Bank Platinum credit cards are available free of charge to the cardholder. Following which, every additional supplementary Ajman Bank credit card is issued for an annual fee of AED 50.

Supplementary Ajman Bank Platinum credit cards are issued to family members of the primary customer. Supplementary Ajman Bank credit cards share a common credit limit with the primary card, and can  also be set with a spending limit.

Q2: Where can I check on my accumulated ROADMILES rewards points?

Ans: Owners of the ROADMILES Visa Ajman Bank Platinum credit card earn ROADMILES for nearly every purchase made on the card. These ROADMILES can then be  redeemed for fuel cards or  as  cash back,  as per the cardholder’s wishes.

In order to check the status of ROADMILES and to redeem them, customers will have to  contact the  Ajman Bank credit card customer care number at 800-22.

Q3: Where can I make payments for my Ajman Bank ROADMILES Visa Platinum Credit Card?

Ans: Ajman Bank Platinum credit card payments can be made in many ways. The payment options are as follows:

  • In Ajman Bank Branches: ROADMILES Visa Platinum Ajman Bank credit card payments can  be made at any Ajman Bank branch in the UAE. All of the Ajman Bank branches can be located here.
  • At an Ajman Bank ATM / CCDM: Any of the Ajman Bank Automated Teller  Machines  (ATMs)  and Cash and Cheque Deposit Machines (CCDMs) can be used to complete payments for  the  ROADMILES Visa Ajman Bank Platinum credit card. The ATMs & CCDMs can be found here.
  • Through the Ajman Bank Digital Banking Portal: Ajman Bank’s internet banking platform allows cardholders to make payments for their Ajman Bank credit card within minutes. The Ajman Bank internet banking login can be found here.
  • Via the Ajman Bank Phone Banking Service: Available in both Arabic and English, Ajman Bank’s phone banking service lets cardholders pay for their ROADMILES Visa Ajman Bank Platinum credit card directly over the phone. The phone banking service can be accessed at 800-22.
  • In the Ajman Bank Mobile App: Smartphone users can also download the Ajman Bank mobile app to make payments for their Ajman Bank credit card. The Ajman Bank mobile app can be downloaded for:
    • Android
    • iOS
  • By Sending an SMS: Besides offering cardholders live updates for their ROADMILES Visa Ajman  Bank Platinum credit card account activity, the SMS facility provided by Ajman Bank can also be used  to make payments for the card. Instructions on how to make an SMS based Ajman Bank credit card payment are mentioned here. 

Q4: Who do I contact in case my Ajman Bank ROADMILES Visa Platinum Credit Card is lost/stolen?

Ans: In the event that a ROADMILES Visa Ajman Bank Platinum credit card is lost or stolen, the cardholder is required to alert Ajman Bank customer care and local police authorities in the area. Cardholders can contact the Ajman Bank credit card support staff at 800-22 to inform them of the loss. After doing so, the cardholder is required to submit a written request for card closure to the bank within 48 hours.

On receiving the request, the bank will cancel the Ajman Bank credit card and issue a  replacement card  for AED 75. If the misplaced Ajman Bank Platinum credit card is recovered after the cancellation request has been processed, the customer is required to  cut the card in  half and return both halves to Ajman  Bank without making use of it.

Q5: How do I cancel my Ajman Bank ROADMILES Visa Platinum Credit Card? 

Ans: The ROADMILES Visa Platinum Ajman Bank credit card may be cancelled only after all the outstanding balance and dues on it have been cleared in full. After making the appropriate repayments, cardholders are required to submit a written request for card closure to Ajman Bank and return all the primary and supplementary Ajman Bank Platinum credit cards in their possession, cut in half.

Once the cancellation request has been processed, the Ajman Bank credit card will be rendered invalid and the deposited security amount shall be returned after 60  days  from  the  request. Cardholders are also advised to request for a No Liability Certificate from Ajman Bank, which can be obtained for a fee of AED 50.