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Classic Credit Card
Free for life
- International medical and travel assistance
- High credit limits
- Loyalty benefits
WARNING
If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.
Lifestyle Benefits
Bring some luxury into your life
Get the spending power you need for the lifestyle you want
- High credit limits
- Up to 25 days interest free
- Enjoy special offers and discounts at selected premium retailers, restaurants and lifestyle venues in the UAE
Travel Benefits
Enjoy a better way to travel
Your Classic Card is accepted worldwide, so no more worries about carrying cash abroad
- Receive a text message every time your card is used, even outside the UAE, so you’re always in control of your spending
FAB REWARDS
Rewarding in every way
The all-new Rewards on the FAB Mobile app
- Earn up to 2.5 FAB Rewards for every AED 1 you spend
- Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday
Learn more
Protection Benefits
Protection for you and your family
Your Classic Card comes with a range of additional protection features
- Get peace of mind that if something happens so you can’t meet your credit card payments, your outstanding balance is paid off, with Credit Shield Plus. Learn more
- Ensure your trip is memorable for the right reasons, with complimentary international medical and travel assistance with your Visa Classic Card.* Learn more
*Service offered and supported by VISA. Terms and conditions of the offer(s) may change without prior notice. www.visamiddleeast.com.
Click here to view the credit card terms and conditions.
Min Monthly Salary
AED 5,000
Schedule of Fees and Charges
Interest on Retail Purchases*
|
Up to 3.75% per month until 23 January 2023
3.85% per month from 24 January 2023 onwards |
Interest on Cash Advance*
|
3.50% per month until 23 January 2023
3.99% per month from 24 January 2023 onwards |
Cash Advance Fee
|
3.15% of the amount cash obtained with a minimum of AED 157.5 per transaction
|
International Transaction Fee
|
2.49% 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
|
Above fees and charges are inclusive of VAT, if any.
Credit card charges are rounded off to two decimal places.
* Effective 24 ـJanuary 2023, Interest rate on Retail Purchases will be revised to 3.85% per month and Cash Advance will be revised to 3.99% per month
* Effective 24 January 2023, Interest rate on Retail Purchases and Cash Advance balances are subject to increase by 0.65% in case the card account is past due. An account is considered past due if the minimum payment due is not received before the payment due date. Subsequently, interest charges will revert to the prevailing product interest rate at the next billing date if the Card account is no longer past due.
What you get from our credit cards
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