| General |
| Payment due date |
21 days from statement date |
| Minimum payment due |
5% or AED 100 whichever is higher as mentioned in the statement of account. For the Titanium Life card, the minimum payment due is 10% or AED 100 whichever is higher as mentioned in the statement of account. |
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| Fees |
| Annual Membership fee |
First Year |
Renewal |
| Silver Visa Card |
AED 200 |
AED 200 |
| Gold Visa Card |
AED 400 |
AED 400 |
| Classic Master Card |
AED 200 |
AED 200 |
| Gold Master Card |
AED 400 |
AED 400 |
| Platinum Card |
NIL |
AED 500 |
| Emirati Card |
AED 750 |
AED 750 |
| Titanium Life Card |
AED 400 |
AED 400 |
| Supplementary Card |
NIL |
NIL |
| Card replacement fee |
AED 50 |
| Over limit fee |
AED 199 |
| Late payment fee |
AED 199 |
| Cash advance fee(includes transactions at Exchange houses) |
3% of cash advance amount or AED 60 whichever is higher |
Liability letter fee
Credit Card
Quick Cash |
AED 100
AED 100 |
| No Liability letter fee |
AED 100 |
Check Photocopy
Less than one year
Over than one year |
AED 10
AED 20 |
| Reference Letter |
AED 50 |
| Transaction Dispute Charges |
AED 25
|
| Returned cheque fee |
AED 100 |
Duplicate statement fee per copy
Current
Oldest |
Free
AED 25 |
| Dial-a-Cheque |
1% of cheque amount or AED 25 whichever is higher |
| Cheque issuance fee |
AED 20 |
| Courier fees* |
AED 20 |
| SMS notification |
AED 3 per month |
| Processing fee for Non-AED transactions |
Upto 3% |
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| Special Payment Plans |
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Flat monthly interest rate
|
| Tenure(months) |
3 |
6 |
12 |
18 |
24 |
36 |
| Loan on phone |
1.80% |
1.60% |
1.50% |
1.40% |
1.30% |
- |
| Easy purchase plan |
0.99% |
0.99% |
0.99% |
0.99% |
0.99% |
0.99% |
| Balance transfer |
1.50% |
1.40% |
1.30% |
1.30% |
1.30% |
1.30% |
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Early settlement fee
|
AED 100
(plus applicable interest charges)
|
| Processing fee for loan on phone |
1% or AED 100 whichever is higher |
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| Finance Charges |
| Monthly finance charge |
Variable between 2.69%-3.29%
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Initial finance charges 2.69% monthly wiil be applicable for the first 3 months of your membership.
Every 3 months we will review your payment history and determine your monthly finance charge for the next 3 months based on the table shown below
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| Average payment over past 3 months as a % of outstanding balance |
Monthly finance charge for the next 3 months |
| 5% to 40% |
2.99% |
| more than 40% to less than 85% |
2.89% |
| 85% or over |
2.69% |
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Your monthlyfinance charge may increase to 3.29% for any of the follwing reasons :
- We do not receive at least the minimum payment by the payment due rate;
- You exceed your credit limit;
- You make a payment to us that is not honoured by your bank
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| Terms and Conditions |
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Use of Dubai First credit cards will be governed by credit card terms and conditions.For more information please call us on (04 506 8888).All charges are subject to change from time to time at the sole discretion of Dubai First.This schedule of charges is applicable only to the products listed above and does not include all Dubai First credit cards.The above charges apply from April 2011.
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*Courier fees will be levied subject to customer's exploit request for document to be couriered to him/her whenever the standard service suggests these to be collected from the branch or posted through regular mail
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| Download as PDF File |
