GEMS Titanium Credit Card

Interest on Retail Purchases*

Up to 3.50% per month

Interest on Cash Advance*

3.50% per month

Cash Advance Fee

3.15% of the amount cash obtained with a minimum of AED 105 per transaction

International Transaction Fee

2.05% of transaction value + scheme charges

Card Replacement Fee

AED 78.75

Credit Shield Plus Fee

1.04% of outstanding balance

Wallet Shield Fee

Charged per month at 0.42% of outstanding balance

Accident Insurance Fee

Charged per month at 0.26% of outstanding balance or AED 31.5 which ever is higher

Late Payment Fee

AED 241.50 in any month when the payment is late, or not made, or is less than the minimum amount due

Over Limit Fee

AED 288.75 in any month when the outstanding balance is greater than the assigned credit limit

Plan Deferment Charges

AED 262.50

Cheque Returned Fee

AED 210

Minimum Monthly Payment

5% of outstanding or AED 100 whichever is higher

Payment due date from statement date

21- 25 days

Statement Reprint Charges

AED 26.25 per statement

Copies of Transaction Slips

AED 26.25 per transaction slip

Outstation Cheque Processing Charge

AED 52.50

Dispute Verification Charge

AED 105

Issuance of Liability Letter

AED 52.50