Dunia Finance Titanium Credit Card

Over 45% of the UAE’s adult population will form the top-income group in the region by 2022, reveals a research report by Euromonitor International. Given this fact, it’s no rocket science to understand why most UAE residents prefer using credit cards to shop, bank, dine and more. In fact, according to the UAE Central Bank, credit card usage in the UAE has increased tremendously over the last few years. The reason is simple- more than 80% of the UAE top-income population looks to make maximum value for their expenses. But finding the credit card that ensures maximum value for every spend could prove to be a daunting task for UAE residents given the fact that there are over 200 different credit cards available in the UAE market.

Amongst some of the region’s most popular credit cards is Dunia Finance’s Titanium Credit Card. This innovative credit card has long been the financial instrument of choice for a large number of UAE residents. Here’s why: the card promises an ocean of savings with unlimited cash back rewards, exclusive discounts and unmatched bargain deals on every dirham spent.

About Dunia Finance Titanium Credit Card

Owing to the fact that most people in the UAE region look for maximum value for their expenses, UAE’s frontrunner finance company, Dunia Finance introduced its Titanium Credit Card to ensure that its customers and cardholders are able to consolidate their spends and get maximum value for every dirham spent. Ever since the launch of Dunia Finance Titanium Credit Card, it has consistently ranked alongside some of the most sought-after and applied for credit cards in the region.

Dunia Titanium Credit Card is an innovative credit card that rewards its cardholders continuously with an unlimited 0.75% automatic cashback on all spend and 3% cashback on grocery/supermarket spends. In addition, this card is available with zero annual fees for the first year. With so much and more on offer, it’s become quite clear why Dunia Finance Titanium Credit Card consistently sells like hot cake in the UAE.

Features of Dunia Finance Titanium Credit Card

Dunia Titanium Credit Card offers a multitude of innovative features to help cardholders get maximum value for their money spent. In addition, the revolutionary features of this amazing credit card make it easy for cardholders to manage their expenses, and save sizeably, without having to run from pillar to post. Here are just some of the many standout features of Dunia Finance Titanium Credit Card.

  • 3% cashback on groceries/supermarket spend.
  • 0.75% unlimited cashback on all spend. 
  • 0 annual membership fees for the first year.
  • Buy 1 Get 1 offers from MasterCard throughout the Middle East on shopping, entertainment, travel and more.
  • 20% discount on Careem rides.
  • Complimentary access to more than over 10 airport lounges across Jordan, Kuwait, Egypt, and the UAE.
  • 15% discount on Avis Car Rentals.
  • Additional MasterCard benefits.
  • Up to 5% airline discounts, airport drop-off, and pick-up services, and special travel packages with Dunia Travel Advantage Services.
  • Complimentary purchase protection insurance by MasterCard.
  • Up to 4 free supplementary cards 
  • Dunia Double Secure feature.
  • 3D secure transactions.

Benefits of Dunia Finance Titanium Credit Card

Dunia Titanium Credit Card is one of the most popular credit cards in the UAE region that offers unlimited cash back rewards, exclusive discounts and a host of other benefits to the cardholders. Here is a list of just some of the many outstanding benefits of Dunia Finance Titanium Credit Card.

  • 3% cashback up to AED 100 every month on grocery/supermarket spends for the first 90 days from of issuance of the card.
  • 75% automatic unlimited cashback on all other spends.
  • Zero annual membership fees for the first Zero annual membership fees for the second year with a spend of AED 12,000 on the card in the first year.
  • Up to 4 free supplementary cards.
  • Access over 10 airport lounges across select destinations in the Middle East.
  • 20% discount on Careem rides.
  • 15% discount on Avis Car Rental. 
  • Buy 1 Get 1 offers throughout the Middle East.
  • Purchase protection insurance from MasterCard.

Eligibility

Here’s a little smattering on the eligibility criteria for Dunia Finance Titanium Credit Card:

  • Income Eligibility: AED 5,000-8000 (Minimum monthly income)
  • Residential Eligibility: UAE residents with valid UAE Residence Visa
  • Verification Eligibility: Age/Id Proofs

Top Reasons to Get Dunia Finance Titanium Credit Card

0.75% unlimited, automatic cash back, purchase protection, exclusive discount deals, there are a thousand reasons to get Dunia Finance Titanium Credit Card. Here are just five of the top reasons to get Dunia Finance Titanium Credit Card.

  1. Zero Annual Fee: Dunia Finance Titanium Credit Card comes with zero annual fees for the first year. In addition, card members can save AED 500 on the annual membership fee for the second year by spending AED 12,000 on the card in the first year.
  2. Amazing Cashback Rewards: Dunia Finance Titanium Credit Card ensures that the card members get a 3% cashback on all grocery or supermarket spend put on the card for the first 90 days from its issuance. In addition, card members get to earn 0.75% automatic unlimited cashback on all other spends, all year round.
  3. Complimentary Lounge Access: Dunia Finance Titanium Credit cardholders get free, complimentary access to 10 premium airport lounges across a wide range of destinations including Kuwait, KSA, Jordan, Egypt, and the UAE.
  4. Complimentary Purchase Protection Plan: Dunia Finance Titanium Credit Card helps card members secure their purchases with a complimentary, comprehensive purchase protection plan from MasterCard. This insurance plan helps protect card members against any fraudulent charges.
  5. Buy1 Get1 Offer Benefits: Dunia Finance Titanium Credit cardholders also get to enjoy an exclusive Buy1 Get1 offer from MasterCard throughout the Middle East and Africa on leisure, entertainment, and more.

Dunia Finance Titanium Credit Card Offers (Updated in June 2018)

  • 3% cashback on grocery/supermarket purchases (No Promo Code Required)
  • Get 0.75% automatic unlimited cashback (No Promo Code Required)
  • 15% off on Avis Car Rental (No Promo Code Required)
  • 20% off on Careem Rides (No Promo Code Required)
  • Buy1 Get1 Offer (No Promo Code Required)

Fees and Charges

Annual Membership Fee

AED 5000 + 5% VAT (First Year Free)

Cash Advance Fee

AED 350 + 5% VAT

Over Limit Fee

AED 325

Late Payment Fee

AED 325

Card Replacement Fee

AED 105-168

Copy of Sale Voucher

AED 25 (inc. of 5% VAT)

Foreign Currency Transaction Fees

USD - 3.139% (5% VAT inc.)

Non-USD – 5.04% (5% VAT inc.)

Minimum Payment Due

5% of statement balance plus any overdue amount, or AED 100, whichever is higher

No Liability Certificate

AED 100 (inc. of 5% VAT)

Liability Letter

AED 100 (inc. of 5% VAT)

Paper Statement Fee

Free

Fee for Cheque Issuance of Credit Balance

AED 25 (inc. of 5% VAT)

E-statement

Free


Dunia Finance Titanium Credit Card Rewards

  1. Cashback Rewards- Dunia Finance Titanium Cardmembers are eligible to earn 0.75% unlimited, automatic cashback for all spend put on the card. These cashback rewards are available year round and there is no minimum spend criteria to 0.75% cashback rewards. Also, Dunia Finance Titanium Credit Cardholders get to earn 3% cashback for grocery or supermarket purchases put on the card for the first 90 days of the issuance of the card.
  2. Travel Rewards- Dunia Finance Titanium Credit Card allows card members to avail exclusive travel rewards and discounts through Dunia Travel Advantage Service. With this service, card members can get an exclusive up to 5% discounts on air tickets and airport pick-up and drop-off services. Furthermore, card members can also get to book special travel packages with Dunia Travel Advantage Service.
  3. Discount Rewards- Dunia Finance Titanium Credit card members get to earn a host of special and exclusive discounts on leisure, entertainment, dining, car rental and more. Cardmembers get to enjoy an exclusive 15% discount with Avis and an exclusive 20% with Careem Rides. In addition, cardholders get access to hundreds of Buy 1 Get 1 offers from MasterCard throughout the Middle East and Africa.

How to Earn Rewards?

Dunia Finance Titanium Card offers 3% cash back for up to AED 100 every month on grocery/supermarket spends for the first 90 days from the issuance of their card. These cashback points automatically get credited to the card account. In addition, card members also get 0.75% automatic unlimited cashback on all other spends and this cashback reward too gets automatically credited to the credit card account and can be redeemed later.

How to Redeem Your Points?

Carefully designed to suit the budget, preferences and wants of people of all budget, Dunia Finance Titanium Credit Card offers 3% cash back on every successful grocery/supermarket purchase and 0.75% cashback for all other purchase. The cashback accumulated on the Dunia Finance Titanium Credit Card can easily be redeemed by the card members. The cash back can be redeemed to make purchases in the subsequent months.

Additional Information / Documentation

Here is a list of documents that applicants need to have in order to get Dunia Finance Titanium Credit Card:

  • Income documents/recent pay slips (Salaried individuals)
  • Passport copy
  • Resident visa
  • Emirates id
  • 3-6 months bank statement
  • Credit card copy
  • Recent credit card statement
  • Residence proof
  • Address Proofs

How to Apply For Dunia Finance Titanium Credit Card?

Applying for Dunia Finance Titanium Credit Card is fairly simpler. Those looking to get this card can easily visit the official website of Dunia Finance and fill up the application form for this credit card. Alternatively, one may visit Policybazaar.ae and compare the benefits, fees, and other details of Dunia Finance Titanium Credit Card with other credit cards in its category to see if Dunia Titanium Credit Card is well suited to their requirements or not.

Those looking to fill up the application form Dunia Finance Titanium Credit Card can do so directly at Policybazaar.ae and check for annual fees, features, and benefits of the card. After successful submission of the application form for the card at the site, a Policybaazar.ae credit card expert would get in touch with the credit card seeker to help them with their queries or questions about Dunia Finance Titanium Credit Card. With years of exhaustive experience and ever-so-helpful customer service staff, Policybazaar.ae makes it easy for card seekers to buy the best credit card in the UAE, without having to run from pillar to post.   

Dunia Finance Titanium Credit Card - FAQ's

Question 1: How much cashback do I get with Dunia Finance Titanium Credit Card?

Answer: You get 0.75% unlimited, automatic cash back on all spends all year round. You also get a 3% cashback on grocery/supermarket spends put on the card for the first 90 days from the issuance of the card. You can get 3% cash back for up to AED 100.  

Question 2: What is the duniaQuick feature?

Answer: duniaQuick is a ground-breaking feature that allows Dunia Finance Titanium Credit cardholders to easily transfer funds internationally to beneficiary overseas, pay utility bills, school fees, and much more, with just a few clicks and within just a few seconds. Those looking to enrol for the duniaQuick feature may call up company’s 24-hour contact center. There is a fee of AED 20-100 for enrolling in the duniaQuick feature.  

Question 3: What additional MasterCard benefits do I get with Dunia Finance Titanium Credit Card?

Answer: Dunia Titanium Credit Card unlocks a host of additional MasterCard benefits for the card members. As a privileged Titanium credit card member, you get access to rejuvenating spa treatments, astonishing travel offers, exquisite dining options and much more. In addition, you also get to access handpicked experiences, exclusive special privileges and hefty discounts at luxury serviced apartments, car rental services and much more.

Question 4: Is Dunia Finance Titanium Credit Card free?

Answer: Yes! Dunia Finance Titanium Credit Card comes with no annual membership fees for the first year. Cardholders may choose to save AED 500 for the annual membership fees of second-year too by spending AED 12000 on the card in the first year.

Question 5: What is complimentary insurance provided by MasterCard for Dunia Titanium Credit Card?

Answer: As a privileged Dunia Titanium Credit cardholder, you can get access to the complimentary insurance coverage by MasterCard. This insurance coverage is provided through American Home Assurance Company and it provides coverage against fraudulent, unauthorized charges made on your card in the event of:

  • Your Dunia Titanium Credit Card is lost or stolen; the insurer will reimburse you for the unauthorized charges on your card.
  • Your Dunia Titanium MasterCard is still in your possession and unauthorized charges have been made using your card information, the insurer will reimburse you for the unauthorized charges.