Earn rewards and enjoy discounts across the UAE
The Classic Credit Card is no longer issued by the bank and any information shown here is for existing customers only
Put yourself in control of your spending with our Classic Credit Card, which comes with rewards, retailer discounts and an extended interest-free payment period.
Classic Credit Card offers you spending power to meet your lifestyle
- High credit limits
- Up to 56 days of interest free credit
- Enjoy special offers and discounts at selected premium retailers, restaurants and lifestyle venues in the UAE
The Classic Credit Card is accepted worldwide so you don’t have to worry about carrying cash when travelling abroad
- You’ll receive instant SMS even when travelling outside UAE so that you are always in control of your expenses
Rewards and offers
Earn 0.5 Star for every AED 1 spent on domestic purchases & 1.25 Stars for every AED 1 spent on international purchases
- Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through our Stars Travel Portal.
- Stars can also be redeemed for the Stars Card, which is accepted as a payment method wherever you see the Visa sign.
- Enjoy special offers and discounts at selected premium retailers, restaurants and lifestyle venues in the UAE.
Your Classic Card comes with a range of additional protection features.
- Protect yourself against unexpected events with Credit Shield Plus. When you can’t meet your credit card payments due to unforeseen circumstances, your credit card’s outstanding balance (i.e. the amount you owe) is taken care of. To activate your Credit Shield Plus cover, call us on 600 56 6223
- Enjoy free Purchase Protection up to USD 10,000 against lost, damage or theft for 90 days from date of purchase.
- Protect your home contents against the unexpected with a Home Content Insurance plan . You can enjoy a flexible home content insurance plan starting from just AED 25 per month. Sum insured limits range from AED 50,000 to AED 150,000 that let you choose the plan that works just right for you. For more details , click here. For T&Cs, click here. To apply SMS ‘HOME’ to 2050.
For added security when you make transactions online, we will send you a One Time Password (OTP) before we authorise your transaction.
- Plus, each time your card is used, we’ll send you an SMS alert to let you know, so you can keep track of your card use and spending.
- A minimum salary of AED 5,000 per month if you are an existing salary transfer customer
- A minimum salary of AED 6,000 per month for all other customers
Fees and charges
|Principal Annual Fee
||Free for life|
|Supplementary Annual Fee||Free for life|
|Retail Interest Rate*||3.25% p.m|
|Cash Advance Interest
|Cash Advance Limit||40% of Credit Limit|
|Cash Advance Fee (% of withdrawal amount)
||3% of the amount of cash obtained, with a minimumof AED 100 per transaction|
|International Transaction Charges||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 0.95% 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
|Card Replacement Fee||No fee|
|Card Payment at Al Ansari
*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 56 6223, or visit any branch. Our Bank reserves the right to change its card pricing at any time.
|3 Months||6 Months||9 Months||12 Months||18 Months||24 Months||36 Months|
|Cancelation fee: AED 150 + remaining period interest|
|Easy cash (EC)||3 Months||6 Months||9 Months||12 Months||18 Months||24 Months||36 Months|
|Early settlement fee: AED 150 + remaining period interest|
|Plan on transactions
||3 Months||6 Months||9 Months||12 Months||18 Months||24 Months||36 Months|
|Early settlement fee: AED 150|
|***For selected customers, subject to approval|
|Payment Plan on balance||3 Months||6 Months||9 Months||12 Months||18 Months||24 Months||36 Months|
|Early settlement fee: AED 250 + remaining period interest|
|For selected customers, subject to approval|
|Interest rate: 0%|
|Cancelation fee: AED 150|
|For transactions at selected partner merchants|
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