| Minimum Salary | Salary Transfer | Islamic Finance | Cashback | Annual Fee | Rate | |
|---|---|---|---|---|---|---|
Ruya Max Debit Card
|
Minimum Salary: AED 0 | Salary Transfer: No | Islamic Finance: No | Cashback: No | Annual Fee: AED 480 | Rate: 0% |
The Ruya Max Debit Card is designed to offer premium lifestyle and travel benefits with flexible banking requirements and Shari’ah-compliant features.
Features:
- No minimum salary requirement
- No salary transfer required
- AED 480 annual fee
- Higher daily ATM withdrawal and POS spending limits
Key Benefits:
- Complimentary access to over 1,200 airport lounges worldwide through the Mastercard Travel Pass app
- Access to exclusive “Priceless” experiences and premium discounts on dining, shopping, and travel
- Travel insurance coverage including travel inconvenience and medical insurance for trips booked using the card
- 24/7 digital concierge services for lifestyle and travel bookings
- Free cheque book with current account
- No minimum balance requirement
More Product Benefits:
- Contactless payments and Apple Pay / Google Pay compatibility
- Global access for international spending and ATM withdrawals
- Mastercard perks and merchant discounts
- Digital account opening via the app in approximately 5 minutes
- Unlimited day-to-day transactions with no hidden fees
- The Ruya Max Debit Card and associated account are fully Shari’ah-compliant, following Islamic banking principles.
Fees:
- Monthly fee: AED 40
- Monthly fee waiver available when maintaining a minimum balance of AED 10,000 or transferring a salary of AED 20,000 or more
Eligibility:
- Minimum age: 18 years
Documents Required:
- Emirates ID copy
- Valid passport and residence visa copy
- Address proof
- Bank statements showing three months of salary credits
Terms and conditions apply. Fees and features are subject to change without prior notice.
** 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.
