GEMS Titanium Credit Card

Enjoy up to 4.25% fixed rate discount on school fees at GEMS Schools

GEMS Titanium Credit Card

Take advantage of the UAE’s first dedicated education credit card


  • Limited time offer: A chance to win back your annual fees payment
  • Up to 4.25% fixed rate discount on advance payment of GEMS school fees
  • Convert your school fees with our 0% Easy Payment Plan

We know you want the best for your children. That’s why we’ve partnered with GEMS Schools to bring you discounts on fees and more for the whole family.

Enjoy your family time with our amazing partner offers at entertainment centres across the UAE, but first, see how much you save on schools.


  • Your child/children must be enrolled in one of the GEMS Schools in UAE 

Fees and charges

Schedule   Fees  
Principal Annual Fee    Free for life
Supplementary Annual Fee
 Free for life
Retail Interest Rate*    3.25% p.m
Cash Advance Interest Rate
 3.50% p.m
Cash Advance Limit
 60% of Credit Limit
Cash Advance Fee (% of withdrawal amount)  3% of the amount of cash obtained, with a minimum of AED 100 per transaction
International Transaction
1.95% of transaction value + scheme charges
Choice of Monthly Payment  5% to 100% of outstanding
Minimum Monthly Payment  5% of outstanding balance or AED 100 (whichever is higher)
Late Payment Fees AED 275 per month
Over Limit Fees AED 275 per month
Credit Shield Plus   Charged per month at  0.99% of outstanding
Statement Reprint Charges AED 25 per statement
Copies of Transaction Slip    AED 25 per transaction slip
Cheque Returned Fee    AED 200
Card delivery via Branch
 AED 50
Card delivery via Courier
 No fee
Grace Period – Retail
 Up to 56 days on purchases (if amount outstanding is settled in full on or before the due date)
Grace Period – Cash     None
Card Replacement Fee    No fee
Card Payment at Al Ansari
 No fee

*If the outstanding amount is not paid in full on or before the due date, interest will be charged on the amount outstanding from the transaction date. For any queries or billing information simply call us on 600 52 5500, or visit any branch. Our Bank reserves the right to change its card pricing at any time.

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Ways to Apply

Visit a Branch

Talk to our experts about your banking needs

Phone Us

Lines Open 24/7

UAE Helpline

600 52 5500

International Helpline

+971 2 6811511

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