Everyday savings. Everyday happiness.

Transcription

1 Consumer Card Everyday savings. Everyday happiness. Get cashback! No questions asked. Features and benefits Terms and conditions apply dib.ae

2 Dear Card Member, It is my great pleasure to present you with the Consumer Card. This Card is brought to you jointly with the Department of Economic Development in Dubai. The Card is value-packed and helps you save by providing cashback on your everyday spends. On behalf of Dubai Islamic Bank, I extend to you a very warm welcome once again and we look forward to delight you with the highest standards of service excellence. Yours sincerely, Nasser Abdulla Al Awadhi Chief of Consumer Banking

3 Dubai Islamic Bank presents the Consumer Card dedicated to providing you more savings on everyday spends. It s interest-free, fully Sharia-compliant with no hidden charges whatsoever. The DED-DIB Consumer Card. It s just right for you.

4 As a valued Card Member, you will enjoy these special privileges: Most Comprehensive Cashback Utility Bills Etisalat & Du nol SALIK 50% Get 4% cashback with the Consumer Card. Brought to you jointly with the Department of Economic Development in Dubai and Dubai Islamic Bank, the Consumer Card helps you enjoy great savings every time you use it for various daily spends across the UAE. From supermarkets to automobile servicing to phone bills, Salik and even fuel, your opportunities to save are endless. Cashback Earn Rates for Platinum Consumer Card and Rewards Consumer Card. Platinum Card Rewards Card Merchant Categories Supermarket & Hypermarket Purchases Automobile Servicing Etisalat & Du Bill Payments Maximum Maximum Cashback Monthly Monthly Cashback Cashback Cashback (AED) (AED) 4% 400 3% 300 4% 400 3% 300 4% 150 3% 100 Fuel Spends 4% 150 3% 100 Utility Bills 4% 150 3% 100 Salik and Nol recharges Movie Ticket Purchases 4% 50 3% 25 50% % 150

5 No Minimum Spend, Maximum Savings Potential With no minimum spend criteria, it s easy to earn cashback with your DED-DIB Consumer Card. Simply use your Card at qualifying merchant categories and start earning instantly. Learn how to earn AED 1,000 cashback in a month using your Platinum Consumer Card. Merchant Categories Platinum Card Cashback Monthly Spend (AED) Monthly Cashback (AED) Supermarket & Hypermarket Purchases Automobile Servicing Etisalat & Du Bill Payments 4% 10, % 3, % 2, Fuel Spends 4% 1, Utility Bills 4% 1, Salik and Nol recharges Movie Ticket Purchases 4% 1, % Total Cashback Earned 1,000 Please note: 1. Total monthly maximum cashback cap is AED 1,000 per Billing Cycle. 2. Cashback applicable on transactions in UAE. 3. Bank has the right to amend the cashback program at any time.

6 Balance Transfer Use your DED-DIB Consumer Card to clear your outstanding on other Bank s Cards and save on unnecessary charges. No documentation required. You can apply for the facility through Online Banking Visa Luxury Hotel Collection* Avail exclusive privileges at over 900 luxury hotel properties around the world with benefits such as best rates, automatic room upgrades, free internet and breakfast, VIP guest status, late checkout and complimentary US$ 25 food and beverage vouchers. The benefits are provided when bookings are made through www. visaluxuryhotels.com and payment is made using your DED-DIB Consumer Card. For more information, visit *For Platinum Consumer Card only.

7 Golf Access* Visa Golf Access enables Visa Platinum Cardholders to indulge their passion for the game providing unique golf experiences and exclusive discounts, at the following golf clubs: Saadiyat The Els Club The Track, Meydan The Royal Golf Club Abu Dhabi Golf club Jumeirah Golf Estates For more information, visit *For Platinum Consumer Card only. 80% Cash Withdrawal Limit Your DED-DIB Consumer Card gives you easy access to cash, wherever you are in the world. What s more, you can even transfer cash instantly from your Card to your Dubai Islamic Bank Account through Online Banking. Please visit

8 Medical and Legal Referral* Travel the world safe in the knowledge that you always have access to the help you need. As a Platinum Cardholder you can avail the following services: Medical advice over the telephone Medical service provider referral Monitoring medical condition pre and post hospitalisation Essential medicine and equipment delivery Dispatch of physician to your location Medical evacuation and repatriation Legal referral Interpreter referral Terms and conditions apply. For more information on medical and legal services call +44 (0) *For Platinum Consumer Card only.

9 Global Customer Assistance Services (GCAS)* GCAS exists to provide you with world-class customer service and support in the event that anything goes wrong when you travel. As a Visa Platinum Cardholder, GCAS adds genuine value by providing essential services when you need it the most. Services include: Lost or stolen Card reporting Emergency Card replacement Emergency cash disbursement up to US$ 5,000 Emergency payment authorisation For more information on what GCAS can offer call Days Purchase Protection* Go ahead and shop at ease. All goods purchased using your DED-DIB Consumer Card are protected against theft and damage for a period of 60 days from the date of purchase. For terms and conditions visit *For Platinum Consumer Card only.

10 Credit Shield (Takaful) Credit Shield Takaful feature is available on your DED-DIB Consumer Card. For a fee of only 0.89% of the outstanding amount, you are covered in the unfortunate event of death, total disability or loss of employment. Fine Dining Offers* Visa has partnered with over 75 premium restaurants in the UAE to bring you amazing discounts and offers. You can also earn Visa Fine Dining reward points every time you spend at any of the participating restaurants. Discounts are provided when you pay using your DED- DIB Consumer Card. Additional Visa Fine Dining reward points can be earned by showing a virtual membership card. To register for the program and receive your virtual membership card on your mobile, visit *For Platinum Consumer Card only.

11 Extended Warranty* Having an Extended Warranty is reassuring. It feels good to know that if something goes wrong with a purchase, it s covered. As a DED-DIB Consumer Cardholder, you benefit from an automatic doubling of the manufacturer s warranty (subject to a maximum of 24 months combined) against mechanical breakdown over and above the manufacturer s warranty on new electrical household products, provided the eligible item has been bought with your DED-DIB Consumer Card. For terms and conditions visit Merchant Offers Over 450 special global, regional and local offers with exclusive travel, entertainment, retail, dining and golf establishments. For details visit dib.ae *For Platinum Consumer Card only.

12 Other unique features of your DED-DIB Card include: Pay Minimum Only pay the minimum amount of 4% each month. World-wide Acceptance Accepted at over 27 million outlets across the globe. Chip and PIN Security It s really easy to use your chip and PIN card. Simply make sure that the retailer accepts Visa, select the goods you want to buy and take them to the payment counter as usual. At checkout you will be required to insert the Card into the machine where you will be required to enter your PIN. You will be given a receipt as proof of purchase. Payment Many ways to make your DED-DIB Consumer Card payment; through Online Banking, DIB ATMs or CCDMS, Tellers, Phone Banking, Cheque Payments and Account Transfers. For Schedule of Charges, terms and conditions, please visit