|Minimum Salary||Salary Transfer||Islamic Finance||Cashback||Annual Fee||Rate|
|ADIB - Etisalat Classic Card||Minimum Salary: AED 8,000||Salary Transfer: No||Islamic Finance: Yes||Cashback: No||Annual Fee: AED 0||Rate: 3.09%|
- For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 10 minutes of UAE talk time.
- Earn 1 Etisalat Smiles point for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time.
- For Self-funded Cards earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time.
- Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.
- Welcome bonus 5,000 Etisalat Reward points(equivalent to more than 2.5 hours of UAE talk time).
- For non salary transfer customers, the minimum salary requirement is AED 10,000.
- Original passport (with valid residence visa for expatriates)
- Salary Certificate (not more than 30 days old)
- Bank Statements for last 3 months
Representative ExampleIf you spend AED 1,200 at a purchase profit rate of 18.9% (variable) your representative APR will be 18.9% (variable).
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.