Personal Banking · Service 01
Understand card categories, key features and what the application involves before you choose.
Who this may suit · Individuals
Eligible individuals looking for spending, payment or reward-card options.
Key considerations
General points to consider. Actual features and terms are set by each provider.
Card categories
Cashback, travel, lifestyle and everyday cards each suit different spending patterns.
Fees and profit terms
Annual fees, interest or profit rates and charges vary by provider and card.
Repayment responsibility
Paying only the minimum can make balances expensive over time.
How we may assist
- 1
Enquire
Share what you're looking for with credit cards. No documents are needed at this stage. - 2
Clarify
We explain the typical information involved and answer your questions. - 3
Support
Where an authorised arrangement exists, we assist with the application to the provider. - 4
Decision
The provider alone decides on approval, pricing and terms.
Preparation
- Emirates ID and passport
- Salary certificate or proof of income
- Recent bank statements
- Existing card or loan details
This is general guidance. The exact list depends on the provider and product. Please don't send documents through this website.
Questions
Many do, and some waive them under conditions. The provider's key facts statement sets out the actual fees.
Providers usually check your credit report when you apply. Ask the provider how this is recorded.
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Important to know
Rewards, limits and approval are set by the issuing provider. We never advertise a card rate or benefit without the provider's approved content. All financing and account applications are subject to the relevant provider's policies and approval.
An enquiry is not a credit approval, quote, contractual commitment or bank application.
Your details are used only to respond to your enquiry, as described in our Privacy Notice. Marketing contact is always a separate, optional choice.