Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Al Hilal Bank - World Elite Mastercard Al Hilal Bank - World Elite Mastercard Minimum Salary: AED 30,000 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 2,625 Rate: 2.99%

Travel Benefits:

  • 2 complimentary vouchers for access to the VIP Terminal at Abu Dhabi International Airport – Get the VIP treatment with priority check-in, luggage collection services, meet and greet services, access to the VIP Terminal lounge as well as other optional services*
  • Complimentary access to Wi-Fi at over 1 million hotspot locations around the world including in-flight on select airlines via the world’s leading Wi-Fi provider, Boingo – including on Etihad Airways’ flights 
  • Unlimited access to over 850 airport lounges in more than 400 cities across the globe completely free of charge – for you and your guest
  • Hertz President Circle membership –get discounts on the best publicly available rates, guaranteed complimentary one-car-class upgrade, faster reservations on rentals, and returns, as well as a priority at the rental queue at many of the world’s busiest airports
  • Complimentary nights when you book an SPG hotel using your Al Hilal Bank World Elite™ Mastercard® Credit Card – 1 free night for every 2 nights that you book
  • Black membership to the Global Hotel Alliance (GHA) – giving you access to double room upgrades, guaranteed room availability, early check-in at 9:00 am, and late check-out until 6:00 pm at over 33 GHA hotel brands across 76 countries
  • World Elite Luxury Hotels Collection with premium access to over 1,000 hotels globally – giving you access to room upgrades, early check-in, late check-out and complimentary breakfast for 2
  • 40% off on travel visa services to Schengen countries, UK, Saudi Arabia, Australia, New Zealand, Singapore, & Canada – you can get priority appointment scheduling, form filling and typing and document collection services
  • Fee waived upon achievement of spends
  • Joud Reward Points upon sign-up and on spends
  • Complimentary access to the VIP Terminal at Abu Dhabi International Airport
  • Complimentary Global W-Fi access in-air and on the ground via Boingo
  • Free global airport lounge access to more than 850 lounges
  • 0% profit rate Balance Transfer
  • 0% profit rate Instant Cash
  • Digital Wallet Enabled - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay & Garmin Pay
  • Over 900 unlimited Buy 1 Get 1 offers on hotels, fine dining, premium spas and much more across the Middle East & Africa with the Al Hilal Bank World Elite™ Mastercard® credit card
** 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.
HSBC - Cashback Credit Card
Minimum Salary
AED 10,000
The American Express - The Platinum Card
Minimum Salary
AED 30,700
The American Express - Gold Credit Card
Minimum Salary
AED 15,000
Najm - ONE Cashback Credit Card
Minimum Salary
AED 8,000