The Ajman Bank was the first-ever Islamic bank in the emirate of Ajman. The Bank was authorised in the year 2007. Its prime objective is to offer the best and most efficient banking services to all its customers. Among all the services, the bank also provides credit card assistance. For effective financial management, users can avail of various credit cards according to their requirements, such as the Bright card, Power card, and Road miles card. In addition to the astounding benefits of this Ajman Bank credit card, it allows its card members to earn Power rewards and avail amazing benefits on redeeming those power rewards through the Power credit card rewards website.
Based on the top credit cards provided by Ajman Bank, the following are the eligibility criteria -
You would be required to have a monthly income of at least AED 10,000.
Your monthly salary should be AED 5,000 or more.
Your Ajman bank credit card minimum salary should be at least AED 5,000 per month.
To apply for Ajman Bank credit cards, you would be required to provide these documents -
When it comes to Ajman Bank credit cards, card members can rest assured that they are getting the best features and benefits. Ajman Bank is one step ahead of other banks as it doesn't only match the world-class standards but also it ensures the safety and convenience of banking for its potential customers. Here are some of the main features that Ajman Bank Credit Card offers:
Cash Advance : This is one of the most amazing features of this Ajman Bank credit card, as cardholders can withdraw cash up to 100% of their total credit limit in times of financial emergency.
Easy Payment Plan : Another great feature of this credit card is that it enables the card member to convert their big purchases into equal monthly installments at the participating merchants. They can purchase items within their credit limit and pay off the full amount for up to 6 months at no monthly fee.
PIN & CHIP security : PIN & CHIP security ensures that all retail transactions are safe and secured.
Credit Shield Takaful : This Ajman Bank Power Credit Card provides credit shield Takaful cover for free to its card members for two months from the date of issuance and then it will be chargeable going forward. Credit shield provides the option to have an outstanding balance on your credit card waived in the unfortunate event such as critical illness, natural death, and permanent disability.
Following are the rewards and offers provided by the Ajman Bank credit card:
Power Points
Faster Rewards Program : On spending every AED 10, the cardholder can earn 1 Power Points
Endless Redemption Options : Cardholders can redeem these power points at more than 300 airlines, 300,000+ hotels, online purchases of electronics, and much more.
The Ajman Bank credit card eligibility criteria are primarily affected by these factors -
Credit Score - The probability of getting an Ajman Bank credit card with a high credit limit increases when you have a high credit score. In contrast, if you have a low credit score, chances are that your application for an Ajman Bank credit card will get rejected.
Employment Status - If you have been with your current company for more than a year, the chances of availing of the Ajman Bank credit card on favourable terms are high as this indicates work stability.
Credit Utilisation Ratio - Ajman Bank also looks into your credit utilisation ratio before providing you with a credit card. If your existing debts are more than the set limit, your credit card application approval chances will be affected.
You can follow these steps to improve your profile and qualify for the Ajman Bank credit card eligibility -
Paying Bills on Time - Payment history plays a significant role in the evaluation of your credit score. A good credit score, in turn, increases the chances of getting the Ajman Bank credit card application approved. Thus. to improve your approval chances, you should pay credit card bills and utility bills on time and regularly.
Providing a Source of Income - Ajman Bank, as well as other banking institutions in the UAE, ask applicants to demonstrate their income source as well. At the time of application, you should demonstrate whichever of the following are applicable -
Applying for a Secured Credit Card - Another way to improve your chances of meeting the Ajman Bank credit card eligibility standards is to purchase a secured credit card. It is easy to avail of these credit cards as they have lenient income requirements. With the help of a secured credit card, you can build your credit score which can help you easily get your desired card.
Checking and Amending Mistakes in the Credit Report - At times, a repaid loan or credit card bill can continue to feature on your credit report due to error, which can still end up lowering your credit score. For this reason, it is essential to check your credit report and make the required amends to improve your credit score and further enhance the chances of approval.
In order to enjoy the credit card net banking facility of Ajman Bank, you must initially have a net banking account. To create it, refer to the following steps -
If you have already registered for the Ajman Bank credit card online banking and have an account, then follow the below-mentioned steps to log into your account -
Through an Ajman Bank credit card online login, you can make the best of several credit card features. Let’s take a look at all these benefits by reading out the following listicle -
In case you want to get access to any of your previous bank statements, then simply log on to your Ajman credit card online banking and scroll to the section available for downloads and all your transactions. Initiate the process by specifying the card number and statement period and clicking submit. The bank allows you to view the last 6 months of transactions. You can even download the transaction details in PDF format. To download the payment history, first select the payment type. Then opt for the duration that you want to view your transactions and get the history instantly. If you want to check the transactions that you made recently, then click on 10 or 20 transactions, followed by selecting your card number. Further, tap on the submit button.
With an Ajman credit card, you can pay your bills or do any transactions without inconvenience. Before proceeding towards the payment method, ensure you add and manage the payee. After that, perform the instructions given below-
If you lose a track of your credit card balance, then don’t worry! With the Ajman Bank credit card login, you can check the total cash limit, available cash limit, and total outstanding amount effortlessly.
Through Ajman Bank credit card online login, you are eligible to view and redeem the reward points gained by making credit card transactions.
Having a credit card like Ajman allows you to make the best of a lot of benefits such as ease of bill payments and earning rewards with each transaction. With the facility of internet banking, you can have quick and easy access to a variety of services. Ajman bank credit card is one of the best credit cards in UAE that allows you to enjoy lots of rewards and benefits. It is great to apply if you are applying for your first credit. You gain lots of good experiences.
A supplementary card offered by the Ajman Bank allows the family members of the cardholder to enjoy the various features, benefits, and rewards on the Ajman Bank Power credit card. The first 2 supplementary cards can be obtained by the cardholder at no charge after which there is an applicable fee of AED 50 per card per annum.
Ajman Bank requires you to provide proof of income to confirm your employment status. You may be asked to present recent salary slips or bank statements to substantiate your income.
If you are a salaried or self-employed person, you can apply for an Ajman Bank credit card.
It is not possible to receive the Ajman Bank credit card the same day you apply as the provider would need time to verify the documents, which can extend to a few days.
The Ajman credit card minimum salary required to apply for is AED 5,000.
Related Articles
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
We gather this information to assist you better and track your progress with the credit card application.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
