SHARE Rewards Credit Card Schedule of Fees and Charges
Primary Card Annual Fee
Supplementary Card Annual Fee
Interest on Retail Purchases*
Up to 3.75% per month
Interest on Cash Advance*
3.50% per month
Cash Advance Fee
3.15% of the amount of cash obtained with a minimum of AED 157.50 per transaction
International Transaction Fee
2.49% of transaction value + scheme charges
Card Replacement Fee
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 31.50, whichever is higher
Late Payment Fee
AED 241.50 in any month when the payment is late, not made, or less than the minimum amount due
AED 288.75 in any month when the outstanding balance is greater than the assigned credit limit
Plan Deferment Charges
Cheque Returned Fee
Minimum Monthly Payment
5% of outstanding or AED 100, whichever is higher
Payment due date from statement date
Statement Reprint Charges
AED 26.25 per statement
Copies of Transaction Slips
AED 26.25 per transaction slip
Outstation Cheque Processing Charge
Dispute Verification Charge
Issuance of Liability Letter
The above fees and charges are inclusive of VAT, if any.
Credit card charges are rounded up to two decimal places.
*Effective 11 June 2019, interest rates on retail purchases and cash advance balances are subject to increase by 0.50% if 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.
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