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Noor Bank Wafa Titanium Credit Card

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Noor Bank is one of the largest banks in the United Arab Emirates and it lives up to its name and popularity with its many customer-pleasing services. The credit cards offered by the bank offers several appealing offers that make the user’s experience even more rewarding.

The Noor Bank Wafa Titanium Credit Card is an exclusive credit card that offers travel privileges in the form of Air Miles and amazing cashback deals on specific community store purchases. Loaded with exciting benefits & privileges, this Noor Bank Credit Card meets the basic need of its card member.

Features & Benefits of the Noor Bank Wafa Titanium Credit Card

Given below are some of the main features & benefits of the Noor Bank Wafa Titanium Credit Card:

  • Unlimited Lounge Access: With this Noor Bank Credit Card, the cardholder can enjoy unlimited access to some premium airport lounges across UAE, Egypt, Jordan, Kuwait, & Saudi Arabia.
  • Credit Shield: The users of the Noor Bank Wafa Titanium card get Takaful protection for all the outstanding balance on the card in the event of something unfortunate happening that can result in partial or permanent disability, death or even unvoluntary loss of employment.
  • Security Features:
    • The Noorbank Wafa Titanium Credit Card enables its card member to make secure retail transactions as it comes with an advanced ‘CHIP & PIN technology’.
    • The cardholder is required to enter Dynamic One-Time Passcode (OTP) in order to complete the online transaction.
    • Touch ID is required for mobile application access
    • The card member can easily and conveniently track all of their purchases through the 24x7 SMS notifications.

Rewards & Offers of the Noorbank Wafa Titanium Credit Card

  • The cardholder is enrolled in the ‘FlySmiLes Loyalty Program’. With this program, the cardholder can earn FlySmiLes Miles on every transaction made through the Noorbank Wafa Titanium Credit Card. For every USD 1 spent on this card, 1 FlySmiLes Miles can be earned. These FlySmiLes Miles can be redeemed for SriLankan Airlines rewards including free air tickets, ticket upgrades, and many more.
  • The cardholder is enrolled in the Wafa Loyalty Program, through which member of this credit card is eligible for cashback on the transactions made at ‘Aswaaq community Stores’ as per the given below criteria:
Monthly Amount Spent at Aswaaq community Stores Cashback with Wafa (in %)
Less than 1500 AED 2
1501 AED – 3000 AED 5.5
More than 3000 AED 11

**Bonus Miles: By activating the Noor Bank Wafa Titanium Credit Card, member of this card can avail 10,000 bonus miles with SriLankan Airlines on completing their first retail spend.

Eligibility Criteria and Documents Required for Noorbank Wafa Titanium Credit Card

Minimum Salary requirement for Eligibility: AED 8,000 per month

Documents Required:

  • Valid passport & visa copy of the applicant.
  • Emirates ID copy of the applicant.
  • Salary certificate of the applicant addressed to Noor Bank.
  • 3-month original salary bank statements of the applicant

All the above mentioned information can change at any point in time as per the bank’s discretion. The bank will determine eligibility and as such all information mentioned above is subject to change.

Fees & Charges of the Noor Bank Wafa Titanium Credit Card

Here are the fees & charges of the Noor Bank Wafa Titanium Credit Card:

Description Charges
Profit Rate For New Credit Cards (Effective 1st, July 2017) 3.25 percent per month
Profit Rate For Cards Booked Before1st, July 2017 3 percent per month
Annual Membership Fee Free for 1st year, 300 AED from 2nd year onwards
Annual Membership Fee For New Credit Cards (Effective 12th, November 2017) Waived
Charges of Card Replacement (Lost or Stolen) 75 AED
Cash Withdrawal Charges – Noor Bank ATMs 100 AED or 3 percent, whichever is greater
Cash Withdrawal Charges – non Noor Bank ATMs 100 AED or 3 percent, whichever is greater
Foreign Transaction Service Charges 2.50 percent
Overseas Transaction Charges (DCC- Dynamic Currency Conversion) 2 percent
Over-limit Service Charges 250 AED
Monthly Paper Statement Charge 10 AED
e-Statement Charge Free
Duplicate Statement Charge 45 AED
Charges of Return Cheque 100 AED
Outstation Cheque Charge 25 AED
Retrieval of Sales Voucher (non T&E) 50 AED
Retrieval of Sales Voucher ( T&E) 65 AED
Fee on Charge Dispute At Actual
Credit Shield Insurance (CSI) 0.99 percent of the outstanding balance
Fee for Supplementary Card Free
Fee for Replacement of Supplementary Card 75 AED
Payment Due Date 21 days
Limit of Cash Withdrawal 75 Percent of the available credit limit
Late Payment Charge 230 AED
Cash Advance Charge (POS) 100 AED or 3 percent, whichever is greater

FAQs on Noorbank Wafa Titanium Credit Card

Q1: What is the repayment period offered by the Noor Bank Wafa Titanium Credit Card?

Ans: The repayment period offered by the Noor Bank Wafa Titanium Credit Card is 21 days from the statement date.

Q2: Does the Noor Bank Wafa Titanium Credit Card come with airport lounge access?

Ans: No, the Noor Bank Wafa Titanium Credit Card does not offer complimentary access to airport lounges.

Q3: Can I get a travel insurance with the Noor Bank Wafa Titanium Credit Card?

Ans: No, the Noor Bank Wafa Titanium Credit Card does not come with travel medical insurance.

Q4: Is an annual fee charge applicable on the Noor Bank Wafa Titanium Credit Card?

Ans: The Noor Bank Wafa Titanium Credit Card does not have annual fee charges.

Q5: What airlines can the FlySmiles miiles be redeemed?

Ans: The FlySmiles miles offered with the Noor Bank Wafa Titanium Credit Card can be redeemed with SriLankan Airlines.