All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).
| Credit Card Type | Monthly Profit Rate | Annual Membership Fee |
|---|---|---|
| Skywards Black | 3.25% | With fast track to Gold tier - AED 4,200 Without fast track to Gold tier - AED 2,100 |
| Skywards Infinite | 3.49% (3.69% - Effective 6 March 2024) |
Welcome bonus 20,000 Skywards Miles - AED 2,100
Welcome bonus 10,000 Skywards Miles - AED 1,048.95 |
| Skywards Signature | 3.49% (3.69% - Effective 6 March 2024) |
AED 735 |
| Etihad Guest Premium | 3.49% (3.69% - Effective 6 March 2024) |
Welcome bonus 25,000 Etihad Guest Miles - AED 1,575 Welcome bonus 55,000 Etihad Guest Miles - AED 2,625 |
| Etihad Guest Saqer | 3.49% (3.69% - Effective 6 March 2024) |
AED 943.95 |
| Etihad Guest Ameera | 3.49% (3.69% - Effective 6 March 2024) |
AED 733.95 |
| Etihad Guest Platinum | 3.49% (3.69% - Effective 6 March 2024) |
AED 208.95 |
| Flex Elite | 3.49% (3.69% - Effective 6 March 2024) |
AED 735 |
| Emarati | 3.39% (3.59% - Effective 6 March 2024) |
No Annual Membership Fee |
| Flex Platinum | 3.49% (3.69% - Effective 6 March 2024) |
No Annual Membership Fee |
| Switch Cashback | 3.69% | AED 313.95 - waived if spends in last 12 months exceeds AED 30,000 |
| Cashback Plus | 3.49% (3.69% - Effective 6 March 2024) |
AED 313.95 |
| Cashback Platinum | 3.49% (3.69% - Effective 6 March 2024) |
AED 367.50 |
| RTA Platinum | 3.49% (3.69% - Effective 6 March 2024) |
No Annual Membership Fee |
| Business | 3.25% (3.69% - Effective 6 March 2024) |
No Annual Membership Fee |
| Expo | 3.49% (3.69% - Effective 6 March 2024) |
No Annual Membership Fee |
| Easy | 3.50% (3.69% - Effective 6 March 2024) |
No Annual Membership Fee |
| Union Coop Tamayaz | 3.49% (3.69% - Effective 6 March 2024) |
No Annual Membership Fee |
| Card Type | Skywards cards | RTA cards | Rewards/ Abu Dhabi Rewards cards | |||
|---|---|---|---|---|---|---|
| Card limit range | Monthly fee | Card annual fee | Monthly fee | Card annual fee | Monthly fee | Card annual fee |
| <= AED 8,000 | AED 250 | Gold - AED 420
Platinum - AED 735 Infinite - AED 2,100 |
AED 225 | No Annual Membership Fee | AED 225 | Classic, Gold, Platinum & Infinite - AED 210* *Waived if annual spends exceed AED 5,000 |
| AED 8,001 - AED 13,000 | AED 375 | AED 325 | AED 325 | |||
| AED 13,001 - AED 16,000 | AED 450 | AED 500 | AED 500 | |||
| AED 16,001 - AED 25,000 | AED 625 | AED 575 | AED 575 | |||
| AED 25,001 - AED 37,500 | AED 875 | AED 850 | AED 850 | |||
| AED 37,501 - AED 62,500 | AED 1,350 | AED 1,200 | AED 1,200 | |||
| AED 62,501 - AED 100,000 | AED 1,900 | AED 1,600 | AED 1,600 | |||
| AED 100,001 - AED 150,000 | AED 2,800 | AED 1,600 | AED 1,600 | |||
| >AED 150,000 | AED 4,500 | AED 1,600 | AED 1,600 | |||
| Description | Charges | Frequency |
| Minimum amount due monthly | 5% of outstanding and all fees and charges | Per month |
| Maximum cash advance per transaction | AED 10,000 or 50% of the card limit whichever is lower | Per transaction |
| Transaction slip retrieval | AED 52.50 | Per request |
| Duplicate Statement Copy (per monthly statement) |
AED 26.25 | Per monthly statement |
| Statement over 3 months old (per monthly statement) |
AED 47.25 | Per monthly statement |
| Cash advance charges1 | 3.15% of cash advance amount or AED 103.95 whichever is higher | Per transaction |
| Supplementary Card Fee | Free2 (One-time joining fee of AED 525 will be charged for Skywards Black Metal Supplementary cards only) | Per request |
| Replacement Card Fee | Skywards Black Credit Card - AED 420 Emarati Credit Credit Card - AED 210 All other Credit Cards - AED 78.75 |
Per request |
| Late payment Fee3 | AED 131.25 | - |
| Direct Debit Return Fee | AED 105 | Per instance |
| Liability/No liability letter | AED 52.50 | Per request |
| Foreign currency transaction in non-UAE dirhams4 | 2.34% (1.84% Emarati Credit Card & Skywards Black Credit Card) | Per transaction |
| Credit Shield | 1.04% of outstanding amount | Per month |
| Foreign currency transaction in UAE dirhams5 | 1.99% | Per transaction |
| Over limit Fee | AED 261.45 | Per instance |
| Paper Statement (monthly) | No Fee | - |
| Email Statement (monthly) | No Fee | - |
For details of non-eligibility charges for Card benefits like Golf, Valet Parking, Movies, Ladies Clubs, Airport Transfers, Airport Lounge, Airport Meet & Greet Service - click here.
1Cash advance charges will apply on transaction made at merchant categorized by VISA / MasterCard as non-financial institution such as cryptocurrency, Foreign Currency, Money Orders (Not Wire Transfer), Stored Value Card Purchase/Load, and Travelers Cheques.
2Up to 4 free supplementary cards
3The bank shall pay any such amounts on behalf of the customer to a charity approved by the bank's Internal Shariah Committee, after deducting the actual expenses incurred due to customer's delay or default in making the due payment(s).
4This fee is charged on all foreign currency transactions on the Credit Card. This fee is charged in addition to the standard processing fee charged by Mastercard or Visa and is applicable to transactions performed outside UAE (approximately 1.15%).
5This fee is charged on AED transactions where the merchant country is outside UAE in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any.
| Monthly profit rate | Upto 3.50% |
| Early settlement Fee (in AED) | AED 157.50 |
| Processing fee | Upto 3.49% of the transaction amount |
| Card Type | Monthly Profit Rate | Annual Membership Fee |
|---|---|---|
| Corporate Credit Card | 1.99% | 0 |
| Corporate Executive Credit Card | 1.99% | 0 |
| Corporate Purchasing Credit Card | 1.99% | 0 |
| Corporate Virtual Credit Card | 1.99% | 0 |
| Other Fees and Charges | Frequency | |
| Minimum Amount Due Monthly | 100% of outstanding and all fees and charges | - |
| Transaction Slip Retrieval | AED 52.50 | Per request |
| Duplicate Statement Copy (per monthly statement) | AED 26.25 | Per monthly statement |
| Duplicate Statements Over 3 Months Old (per monthly statement) | AED 47.25 | Per monthly statement |
| Replacement Card Fee | AED 78.75 | Per request |
| Late payment fee **** | AED 131.25 | - |
| Direct Debit Return Fee | AED 105 | Per instance |
| Foreign currency transaction in non-UAE dirhams | 2.75% of Transaction Amount | Per transaction |
| Foreign currency transaction in UAE dirhams***** | 1.99% of Transaction Amount | Per transaction |
| Paper Statement (monthly) | Nil | - |
| Email Statement (monthly) | Nil | - |
****The bank shall pay any such amounts on behalf of the customer to a charity approved by the bank's Internal Shariah Committee, after deducting the actual expenses incurred due to customer's delay or default in making the due payment(s). *****This fee is charged on AED transactions where the merchant country is outside UAE in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any. All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT). |
||
| Description | Charges | Frequency |
|---|---|---|
| Top Up Fee - First Time | AED 26.25 | One-time |
| Top Up Fee - Subsequent | No Fee | - |
| Balance Transfer Fee1 | No Fee | - |
| Monthly Inactivity Fee 2 (after 6 months of inactivity) |
AED 5.25 per month | Per month |
| Cash Withdrawal Fee on EIB ATMs in UAE | No Fee | - |
| Cash Withdrawal Fee on other ATMs in UAE | AED 2.1 | Per transaction |
| Foreign currency transaction in non-UAE dirhams3 | 2% of transaction amount | Per transaction |
| Foreign currency transaction in UAE dirhams4 | 1.99% | Per transaction |
| Balance Unload Fee 5 | AED 15.75 | Per request |
| Maximum Daily Transaction Limit6 | AED 40,000 | - |
| Maximum Daily Cash Withdrawal Limit6 | AED 5,000 | - |
| Maximum aggregate load amount in 1 month | AED 40,000 | - |
| Maximum aggregate load amount in 12 months | AED 250,000 | - |
Notes:
1Balance transfer from one Prepaid Card to another.
2Card with no balance for six months will be closed.
3This fee is charged on all foreign currency transactions on the Prepaid Card. This fee is charged in addition to the standard processing fee charged by Mastercard or Visa and is applicable to transactions performed outside UAE (approximately 1.15%).
4This fee is charged for transactions where customers may sometimes be offered the option to settle foreign currency transaction in UAE dirhams at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the Bank (card issuer). This fee is charged in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any.
5For withdrawing of remaining balance after closure of the Card.
6This limit is applied separately for international and local transactions for your convenience.
All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).