Al Hilal Bank PJSC provides banking products and services in the United Arab Emirates. It offers personal banking, including deposit accounts, finance facilities, credit cards, safe deposit lockers, and the financial mall, and wholesale banking services, such as project and contract finance, asset acquisition finance, working capital, and trade finance. The company also provides treasury products to institutions, government entities, and high-net-worth individuals. In addition, it offers foreign exchange contracts, including spot, forward, cross-currency swaps, options, and structured products for foreign exchange risk management. Further, the company provides foreign exchange, debt and equity capital markets, money market advisory services, and mobile banking facilities, such as SMS banking, branch networks, automatic teller machines, and cash and cheque deposit machines. Al Hilal Bank PJSC was incorporated in 2008 and is based in Abu Dhabi, United Arab Emirates.
Experience the epitome of financial elegance and seamless transactions with Al Hilal Bank's Credit cards, which are a prestigious offering. In the bustling financial landscape of the UAE, the Al Hilal Bank Credit card stands out for its commitment to delivering a superior cardholder experience. With this card, engage in a world where every purchase is rewarding, and every transaction speaks the language of privilege. Even though credit cards have so many privileges, there are certain Al Hilal bank credit card eligibility requirements to fulfil before getting a credit card.
Al Hilal Bank Credit card eligibility
In order to avail of a credit card, you are required to meet the specific Al Hilal bank credit card eligibility criteria set by the credit card issuer. The eligibility criteria vary from one card to another. However, the important point to note here is that if you fail to meet the eligibility criteria, the card issuer might reject your application, which in turn can affect your credit score. Therefore, it is important to check the eligibility criteria before applying for a credit card. Below are the basic eligibility criteria required to avail a credit card:
- Credit Score is Preferably above 750
- The minimum Age Requirement is 18 years
- Maximum Age Requirement is 60-65 years
- The income Requirement should be AED 5000.
- Employment can be Salaried or Self-employed
Types of Al Hilal Credit Cards in the UAE
Mentioned below are the types of Al Hilal Bank credit cards in the UAE —
Etihad Guest Infinite Credit Card
- Welcome Bonus – 60,000 Etihad Guest Miles
- Up to 10,000 quarterly bonus miles upon spending AED 37,000
- Anniversary Bonus Miles – 40,000 Etihad Guest Miles every year after paying the annual fee
- Additional miles on every purchase
- Complimentary upgrade to Etihad Guest Gold Tier Status
Etihad Guest Signature Credit Card
- Welcome Bonus – 40,000 Etihad Guest Miles
- Up to 5,000 quarterly bonus miles upon spending AED 18,500
- Anniversary Bonus Miles – 20,000 Etihad Guest Miles every year after paying the annual fee
- Extra miles on every purchase
- Free-of-cost upgrade to Etihad Guest Silver Tier Status
Etihad Guest Platinum Credit Card
- Welcome Bonus – 13,000 Etihad Guest Miles
- Up to 3,000 quarterly bonus miles upon spending AED 12,000
- Anniversary Bonus Miles – 10,000 Etihad Guest Miles every year after paying the annual fee
- Extra miles on every purchase
World Elite Mastercard Credit Card
- Sign-up Bonus – 340,000 bonus Joud Reward Points
- Access to more than 1 million Wi-Fi hotspot locations globally
- Balance transfer facility
- Travel benefits
Platinum Smart Covered Card
- Free-for-life credit card
- Balance transfer facility
- Access to top golf courses in the UAE
- Up to 1.5 Joud rewards for every AED 1 spent globally
- Up to 1 Joud reward for every domestic spend of AED 1
Emirati World Mastercard
- Free for 1st year
- Access to more than 1 million Wi-Fi hotspot locations globally
- Sign-up bonus – 100,000 Joud Reward points
- Balance transfer facility
- Multiple travel benefits
- Lifestyle benefits
How to Apply for an Al Hilal Bank Credit Card?
The application process for the Al Hilal Bank credit cards is fairly straightforward. You can easily apply via any of the following channels :
- Al Hilal Bank Official Website
- You can visit the official website of Al Hilal Bank and head to the 'Credit Cards' section under the 'Cards' tab.
- Select the credit card that you want to apply for
- You will find the lead form available at the end of the page
- Fill out the lead form with details like Customer ID, Name, Email ID, Mobile Number, and Emirate ID, Al Hilal Bank credit card eligibility requirement.
- Once you submit the details, a bank representative will connect with you and help you in the application process.
Contact Centre
Applicants can contact the bank anytime and from anywhere at 600 522 229 and get relevant information regarding their preferred credit card and the application.
Offline Mode
Individuals who prefer to apply offline can visit a branch of the bank near them and apply for the same.
Reward Features
- The card welcomes you with 340,000 Joud Reward points, which can be redeemed for a wide range of rewards.
- Earn 6 reward points on every AED 4 spent on local transactions and 8 points on international spends.
- Spend a minimum of AED 150,000 in the first year and get the second-year annual fee waived.
- Get 2 free vouchers for access to VIP Terminal at Abu Dhabi International Airport. Also includes other VIP privileges.
- With Hertz President Circle membership enjoy discounted car rentals, free car upgrades, faster rental car bookings, etc.
- Complimentary night booking at SPG Hotels – 1 free booking for every 2 bookings.
- Black membership to the Global Hotel Alliance (GHA) provides privileged access to 33 GHA hotels across 76 countries.
- 40% discount on travel visa services to Schengen countries. Complimentary services include priority appointment scheduling, form filling, and document collection.
Features
- Earn Joud Reward points on every spend and a bunch of bonus reward points on sign-up.
- Balance transfer facility from any UAE bank credit card to the Infinite Card at 0% interest rate and flexible EMI options.
- Up to 80% of the credit limit on the card can be withdrawn as cash at 0% interest. Repayment in easy instalments.
- Avail 1+1 offer at hotels, dining, and premium spas across the Middle East & Africa at over 900 partner establishments.
- Complimentary access to over 850 airport lounges in 400 cities. Cardholders and an accompanying guest can enjoy unlimited access.
- This is a Sharia-compliant card, and you get dedicated Concierge Service.
- Get Travel Inconvenience Insurance, Travel Medical Insurance and Rental Car and loss damage waiver insurance with this card.
Additional Benefits
- A comprehensive travel inconvenience insurance and travel medical insurance covers all travel-related inconvenience and medical expenses.
- Free Wi-Fi access to about 1 million hotspot locations across the globe, including on-board on select airlines.
- A dedicated Concierge Service team provides 24/7 service in English and Arabic.
- Rental car and physical damage insurance cover up to $500,000 each for physical damage, vehicle towing, and vehicle drop-off.
- ‘Mastercard for You’ app provides access to all the privileges and benefits available on the credit card.
- At Abu Dhabi Airport VIP terminal enjoy priority check-in, luggage collection services, access to VIP lounge and other optional services.
- Premium access to more than 1,000 hotels across the globe with complimentary services.
- Redeem Joud reward point for flight, hotel, car bookings; online shopping, utility bill payments, to donate to charity, etc.
Fees & Charges
- Supplementary Card Annual Fee : Free up to 3rd card, From 4th card onwards – AED 105
- Late Payment Fee : AED 100
- Over limit Fee : 0
- Cash Advance Fee : 3.15%
Addition Information
- Up to 90% of the available credit limit can be used for the balance transfer facility. AED 1,000 is the minimum amount.
- Instant Cash provides a minimum of AED 5,000. The cash can be transferred to cardholders' accounts anywhere in the UAE.
- Black membership to GHA provides double room upgrades, 100% room availability, early check-in, and late check-out, etc.
- The card is also available with no first-year annual fee feature. The variant has no bonus Joud Reward Points & VIP Terminal access.
- Travel inconvenience insurance covers loss of baggage – $3,000; baggage delay – $500; trip cancellation and curtailment – $7,500 each, etc.
- Medical insurance covers travel accidents, emergency medical evacuation, medical emergency – $500,000 each, and daily in-hospital benefit $100 per day.
PROS
- More purchasing power : With a credit card in your pocket, you can make a purchase even when you are running low on cash in your account. This freedom of being on your own and being able to buy the things you need makes credit cards a very important financial asset.
- Lucrative Rewards : Credit cards offer reward points for every purchase that you make. With these rewards, you get additional benefits such as discounts on shopping and dining, complimentary valet parking, discounts on flights, access to airport lounges, and more. All these lucrative offers make the best credit cards in UAE as one of the best choices for spending.
- Easy track of expenditure : With the Al Hilal bank credit card statements coming right into your inbox and phone, it is very easy to keep track of how much you have spent. Also, since you have easily understandable statements, it makes it even easier to keep a strict check on your expenditure.
- All-time convenience : With the best credit cards in use, you need not carry cash in your wallet. All you need is to meet the Al Hilal bank credit card eligibility. Credit cards are easy to swipe and the payments can be carried out within a few seconds. The tap and feature in the new credits make the payments even more quick than usual. With a credit card in your pocket, you also need not worry about your cash getting stolen.
- Aid in an emergency : You cannot always be carrying a lot of cash with you. Therefore, if an emergency arises you should have some money to attend the issue. Having a credit card gives you the freedom to meet that unexpected expense.
- Builds credit Score : Spending via credit cards helps to build your credit score. Timely payments and expensive purchases positively impact your credit score. Having a good credit score further makes you eligible for better interest rates and financial benefits.
CONS
- Buy more than required: Though credit card offers the financial freedom to spend whenever required it makes you vulnerable to spend more even when you do not have enough money in your pocket. This habit of using the card recklessly can put you in huge debt.
- High interest and fee: When you use a credit card is like borrowing or, more appropriately, taking a loan. If you cannot repay the bill on time, you will end up paying a large amount of interest on your bill. Mismanaging a credit card will not only lead to maxing out a card or a high balance but also to huge debt in the form of interest.
- Fraudulent activity: Cashless transactions are a blessing but are surely subjected to fraudulent activities like any other electronic form of payment. Despite all the security features, credit cards can be stolen or copied. All these activities can get you in trouble and make you liable to pay the money you haven't even really spent.
- Mount a lot of debt: When the bill is generated, and you ought to pay it at the end of your billing cycle, you may come across something like the minimum bill due. If you do not have enough money to repay the complete bill, you can pay the minimum bill and prevent your CIBIL from going low. But remember that you'll pay hefty interest on the remaining amount.
- Conclusion
- Al Hilal Bank offer you credit cards that are the perfect companion, leading the way in your everyday spends and when you travel. Whether it’s giving you back your miles when you book a flight, or purchase in a store you gain more bonus points and rewards, even yearly bonus miles for simply Meeting the Al Hilal bank credit card eligibilities and being an Al Hilal Bank Credit Cardholder.
