Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Al Hilal Bank - Smart Covered Platinum Card Al Hilal Bank - Smart Covered Platinum Card Minimum Salary: AED 5,000 Salary Transfer: No Islamic Finance: Yes Cashback: No Annual Fee: AED 0 Rate: 3.25%

Live a life of luxury – free of charge

The Free for Life Smart Platinum Covered Credit Card is exactly that – FREE FOR LIFE!

That means we will not ever charge you an annual fee while you hold your card. We offer competitive pricing without any hidden charges and a price commitment that your Murabaha profit rate will always remain fixed.

  • 0% profit rate Balance Transfer
  • Up to 90% of your available credit limit can be accessed
  • Minimum amount for Balance Transfer is AED 1000
  • 0% profit rate Instant Cash
  • Up to 80% of your available credit limit can be accessed
  • The minimum amount for Instant Cash is AED 5000
  • Funds will be transferred to the beneficiary’s account anywhere in the UAE in AED currency
  • Exclusive Rewards Earn 1.5 joud rewards for every AED 1 spent overseas and Earn 1 joud reward for every AED 1 spent locally
  • Digital Wallet Enabled - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay & Garmin Pay
  • Superior Travel and Living
  • Airport dining discounts with DragonPass Dine & Travel mobile app
  • Up to 25% off stays at Jumeirah properties
  • 20% off at Jumeirah Restaurants
  • 20% off at Meraas Dining establishments
  • Buy One, Get One Free ENTERTAINER offers at 40 selected merchants
  • Golf access
  • Free Supplementary Cards
Additional Information
  • Annual Fee (Primary Card) - 0 AED
  • Late Payment Amount (to be paid to charity) - 100 AED
  • Card Replacement Fee - 200 AED
  • Card Re-issuance Fee - 200 AED
  • Lost / Stolen Card Fee - 200 AED
Representative Example
If you spend AED 1,200 at a purchase interest 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.
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