Cards

All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).

Profit based Cards

Credit Card Type	Monthly Profit Rate	Annual Membership Fee
Amazon	3.69%	No Annual Membership Fee
Skywards Black	3.25%	With fast track to Gold tier - AED 5,775 (AED 2,100 charged on card issuance + AED 3,675 charged on Skywards Gold tier qualification) Without fast track to Gold tier - AED 2,100
Skywards Infinite	3.69%	Welcome bonus 20,000 Skywards Miles - AED 2,100 Welcome bonus 10,000 Skywards Miles - AED 1,048.95
Skywards Signature	3.69%	AED 735
Etihad Guest Premium	3.69%	Welcome bonus 55,000 Etihad Guest Miles - AED 1,575
Etihad Guest Saqer	3.69%	AED 943.95
Etihad Guest Ameera	3.69%	AED 733.95
Etihad Guest Platinum	3.69%	AED 208.95
Flex Elite	3.69%	AED 735
Emarati	3.59%	No Annual Membership Fee
Flex Platinum	3.69%	No Annual Membership Fee
Switch Cashback	3.69%	AED 313.95 - waived if spends in last 12 months exceeds AED 30,000
Cashback Plus	3.69%	AED 313.95
Cashback Platinum	3.69%	AED 367.50
Barça Cashback	3.69%	No Annual Membership Fee
RTA Platinum	3.69%	No Annual Membership Fee
Business	3.69%	No Annual Membership Fee
Union Coop Tamayaz	3.69%	No Annual Membership Fee

Fee based Cards

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

Other Fees and Charges for Credit Cards

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
Commitment to Donate Amount ³	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	2.54% (2.34% for Amazon Credit Cards & 2.30% for 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 month
Paper Statement (monthly)	No Fee	-
Email Statement (monthly)	No Fee	-
Notes: ¹Cash advance charges will apply on cash withdrawal from ATM & transactions made at merchant categorized by VISA / MasterCard as: Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding, Travelers Cheques, Debt Repayment and Stored Value Card Purchase/Load Financial Institutions – Merchandise, Services, and Debt Repayment Money Transfer & Security Brokers/Dealers 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.

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.

Cash on Call/ Balance Transfer/Balance Conversion/Easy Payment Plan

Monthly profit rate	Upto 3.50%
Early settlement Fee (in AED)	AED 157.50
Processing fee	Upto 3.49% of the transaction amount

Arbahena Islamic Bank Corporate Credit Cards

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
Commitment to Donate Amount ¹	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 dirhams²	1.99% of Transaction Amount	Per transaction
Paper Statement (monthly)	Nil	-
Email Statement (monthly)	Nil	-
¹ 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). ² 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).

VISA Prepaid Card

Description	Charges	Frequency
First Top Up Fee	AED 26.25	One-time
Card Replacement Fee	AED 31.50	One-time
Balance Inquiry / Declined Transaction at other bank ATMs (excluding Arbahena Islamic Bank & ENBD ATMs)	AED 1.05	Per transaction
Balance Inquiry at ATMs in Gulf Co-operation Countries (GCC Network)	AED 3.15	Per transaction
Monthly Inactivity Fee¹(After 6 months of inactivity)	AED 5.25	Per month
Cash Withdrawal Fee on Arbahena Islamic Bank & Arbahena Islamic Bank ATMs in UAE	No Fee	-
Cash Withdrawal Fee on Other ATMs in UAE	AED 2.10	Per transaction
Foreign Currency Transaction in Non-UAE Dirhams²	2% of transaction amount	Per transaction
Foreign Currency Transaction in UAE Dirhams³	1.99%	Per transaction
Balance Unload Fee⁴	AED 15.75	Per request
Card Cancelation Fee	AED 15.75	-
Transactions Limits
Maximum Daily Transaction Limit⁵	AED 40,000	-
Maximum Daily Cash Withdrawal Limit⁵	AED 5,000	-
Maximum Aggregate Load Amount in 1 Month	AED 40,000	-
Maximum Aggregate Load Amount in 12 Months	AED 250,000	-
Notes: ¹Card with no balance for six months will be closed. ²Standard processing fee charged by Mastercard or VISA will be applicable (approximately 1.15%). ³This pertains to 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). Standard processing fee charged by Mastercard or VISA will be applicable (approximately 1.15%) and mark-up fee charged by acquirer, if any. ⁴For withdrawing of remaining balance after closure of the Card. ⁵This 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).

TravelWise Prepaid Card

	Charges (in AED)	Frequency
First Load Fee	26.25	One-time
Card Replacement Fee	31.50	One-time
Balance Inquiry / Declined Transaction at other bank ATMs (excluding Arbahena Islamic Bank & ENBD ATMs)	1.05	Per transaction
Balance Inquiry at ATMs in Gulf Co-operation Countries (GCC Network)	3.15	Per transaction
Cash Withdrawal Fee on Arbahena Islamic Bank & Arbahena Islamic Bank ATMs in UAE	No Fee	-
Cash Withdrawal Fee on other ATMs in UAE	2.10	Per transaction
Cash Withdrawal Fee (International)	10.50	Per transaction
Foreign Currency Transaction in non-UAE Dirhams¹	No Fee	Per transaction
Foreign Currency Transaction in UAE Dirhams²	No Fee	Per transaction
Card Inactivity Fee³ (Charged after 6 consecutive months of inactivity)	15.75	Per month
Balance Unload Fee⁴	15.75	Per request
Card Cancelation Fee	15.75	-
Transactions Limits
Maximum Daily Transaction Limit⁵	40,000	-
Maximum Daily Cash Withdrawal Limit⁵	5,000	-
Maximum Aggregate Load Amount in 1 Month	40,000	-
Maximum Aggregate Load Amount in 12 Months	250,000	-
Notes: ¹Standard processing fee charged by Mastercard or VISA will be applicable (approximately 1.15%). ²This pertains to 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). Standard processing fee charged by Mastercard or VISA will be applicable (approximately 1.15%) and mark-up fee charged by acquirer, if any. ³Card with no balance for six months will be closed. ⁴For withdrawing of remaining balance after closure of the Card. ⁵This 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).

Debit Cards

	Classic / Select (AED)	Advantage (AED)	ALPHA (AED)	Priority (AED)	Private (AED)	Business Banking (AED)	Frequency
Card Issuance	No Fee	No Fee	No Fee	No Fee	No Fee	26.25	NA
Issuance of Supplementary Card	No Fee	No Fee	NA	No Fee	No Fee	No Fee	NA
Replacement Card Fee	26.25	26.25	26.25	No Fee	No Fee	26.25	per request
Cash Withdrawal Fee using other bank ATMs (excluding EI and ENBD ATMs)	2.10	2.10	2.10	2.10	2.10	2.10	per transaction
Balance Inquiry / Declined Transaction using other bank ATMs (excluding EI and ENBD ATMs)	1.05	1.05	1.05	1.05	1.05	1.05	per transaction
Cash Withdrawal Fee – at ATMs in Gulf Co-operation Countries (GCC Network)	6.30	6.30	6.30	6.30	6.30	6.30	per transaction
Balance Inquiry - at ATMs in Gulf Co-operation Countries (GCC Network)	3.15	3.15	3.15	3.15	3.15	3.15	per transaction
Foreign currency transaction in non-UAE dirhams¹	2.54%	2.54%	2.54%	2.54%	2.54%	2.54%	per transaction
Cash Withdrawal Fee – at International ATMs (outside Gulf Co-operation Countries)	21	21	21	21	21	21	per transaction
Foreign currency transaction in UAE dirhams²	1.99%	1.99%	1.99%	1.99%	1.99%	1.99%	per transaction
Transaction Slip Retrieval	26.25	26.25	26.25	26.25	26.25	No Fee	per request
Notes: ¹This fee is charged on all foreign currency transactions on the Debit 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%) ²This 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.

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