Welcome to a world of privileges with the Elite Gold Current Account
Enjoy superior banking with free international remittances, exclusive lounge access and more.
With an Elite Gold Current Account, you will have high daily withdrawal limits, free unlimited ATM withdrawals in the UAE, and earn Stars for extra rewards.
An Elite Gold Current Account* gives you access to the highest levels of service, with Elite Gold Lounges in selected branches and much more.
- Multi-currency accounts with no minimum balance requirement
- Lifeline overdraft facility** with a maximum limit of up to 3 times your salary or up to AED 250,000
- Free unlimited cheque books
*Terms and conditions apply.
**Subject to bank approval.
Debit Card features
Access your money and shop easily wherever you are with our free Elite Gold MasterCard World Debit Card.
- High daily ATM cash withdrawals (up to AED 25,000) and purchase limits (up to AED 40,000)
- Free cash withdrawals from all ATMs in the UAE
- Free international and GCC ATM cash withdrawals (up to 4 per month)
- Access to exclusive benefits and preferential treatment allowing World MasterCard cardholders to move seamlessly across the world to experience the best it has to offer.
Rewards and offers
See all the great rewards and offers that come with your card.
- Earn Stars on AED Elite Gold Current Account balances. i.e. 1 Star for every AED 200 on average monthly balance up to a maximum of 100,000 Stars per month. Ensure that the account balance does not drop below AED 100,000 on any day during the month to earn Stars for that month: the higher the average balance, the more Stars can be earned.
- Earn 0.75 Stars for every AED 2 spent on Domestic purchases and 1.5 Stars for every AED 2 spent on International purchases.
- Redeem Stars for Etihad Guest Miles, Emirates Skywards Miles, or book tickets on any airline through the Stars Travel Portal.
- Stars can also be redeemed for the Stars Card, which is accepted as a payment method wherever the VISA sign is displayed.
- Indulge and experience exclusive lifestyle rewards through our MasterCard World Debit Card, for details, please click here.
Note: For Joint Account Holders, Stars earned based on the average balance will be equally divided across all joint holders of the account.
- The Total Relationship Balance (TRB) should be AED 500,000 equivalent and above
TRB = Current/Savings/Call Account Balance + Fixed Deposits + Investments
- Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)
- Salary certificate
Note: Additional documents may be required depending on case-by-case basis at the sole discretion of the Bank
Fees and charges
|1||Minimum Balance requirement||Daily||NIL|
|2||Initial Minimum Deposit
||Per Account||AED 100,000*
|3||Account Monthly Charges||Monthly||Free|
|4||Low Balance Charge||Monthly||Free|
|5||Account Closure Fee (if closed within 1 year of opening)||Per request||AED 50|
|6||Statement of Account||Per cycle
||Free within the agreed cycle, AED 25 outside the cycle|
|7||Teller Charge (A/c to A/c transfer, cash withdrawal cash deposit, cheque deposit, etc.)||Per item||8 free per month, AED 10 afterwards|
|8||Utility payment (at branch)||Per item||AED 10|
|9||Interest on debit balance||Monthly minimum charge||18% p.a. (min AED 175 p.m)|
|10||Processing Fee for Overdraft||At set-up||AED 200|
|11||Release (Clearance) Letter||Per request||AED 50|
|B.||Funds Transfer Fee|
|1||By Demand Draft, Payment Order through Central Bank (postage included)||Per payment||AED 25|
|2||By means of SWIFT Transfer in Foreign Currency||Per payment||AED 100/- for AUD, EUR, USD and
AED 80/- for remaining currencies
|3||Within our branches||Per payment||NIL|
|4||By Manager Cheque||Per item||AED 30|
|C.||Standing Instructions Fee|
|1||Standing Instructions Establishment Fee||Per request||NIL|
|2||Amendment Fee (excl. requests to defer/postpone payment)||Per request||AED 25|
|3||Standing Order favouring charity organisation within UAE||Per payment||NIL|
|1||First Cheque Book (at time of account opening)||Per account||Free|
|2||Cheque Book delivery Fee||Per item||Free**|
|3||Cheque Collection Fees||Per item||Free|
|4||Undelivered Cheque Book destroyed||Per item||AED 50|
|5||Returned Cheque Fees (when deposited into your account)||Per item||NIL|
|6||Returned Cheque Fees (when drawn on your account)||Per item||AED 100|
|7||Stop Payment Instructions (cheque)||Per item||AED 50|
|8||Special Clearing of Non-branch Cheques||Per item||AED 100|
|E.||Elite Gold MasterCard World Debit Card|
|1||Issuing Fee (for primary card)||Per item||Free|
|2||Issuing Fee (for supplementary card)||Per item||Free|
|3||Replacement for Lost/Stolen Card||Per item||AED 25|
|4||Cash withdrawal fees on our branch & Non-branch ATMs in UAE||Per transaction||Free|
|5||Cash withdrawal fee on GCC Switch ATMs***||Per transaction||AED 6 + 2% of transaction amount as FX charges|
|6||Cash withdrawal fee on International ATMs***||Per transaction||AED 15 or 2.5% of withdrawn amount whichever is higher + 2% of transaction amount as FX charges|
|7||Balance Enquiry on our ATMs in the UAE||Per request||Free|
|8||Balance Enquiry on Non-branch ATMs in the UAE||Per request||AED 1|
|9||Declined Transaction on Non-branch ATMs in the UAE||Per transaction||AED 1|
|10||Balance Enquiry on GCC Net ATMs||Per request||AED 3|
|11||Uncollected Card destroyed by Bank||Per item||NIL|
|12||Copy of sales slip||Per request||AED 25|
*Customer should achieve and maintain the Total Relationship Balance (TRB) of AED 500,000 within 2 months of account opening
**AED 50 charge applicable for instant cheque book delivery and third party delivery option respectively
***Free international and GCC ATM cash withdrawals (4 per month)
#1 free international remittance per month (AED Accounts only)
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