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Business Card

Unmatched flexibility. Unlimited business growth.
Welcome to the world of the Dubai First Business Credit Card. At Dubai First, we know what drives your business and what fuels your success.

With flexible interest rates that suit you, flexible rewards programmes, streamlined record-keeping and more spending power, the Dubai First Business Credit Card is a comprehensive support system specially designed for your business expenses.

With all its exceptional benefits and unmatched privileges, you’ll discover that your Dubai First Business Credit Card can be your ideal business partner.

More Spending Power

Give your business more flexibility with seamless working capital, regulate your cash flow, plan your monthly expenses and keep up with the demands of your business.

Dial-a-draft

When special financing needs such as rent payments arise when least expected, you can choose the option of Dial-a-Draft and get instant access to cash whilst improving your cash flow with our flexible repayment plan.

Additional Cards

Now give your key employees the same flexibility, convenience and control with supplementary Dubai First Business Credit Cards. This is a special feature that lets you set individual credit limits to cards you issue to your key employees.

Flexible Rewards

For the first time ever, here’s a business card that turns your everyday business purchases into extraordinary benefits, including cash, travel or business rewards.
Just call 04-506 8888 to redeem your choice of reward.

Personal Account Manager

Whether you need professional advice, information on vendors or support with any financial requirements, your Personal Account Manager can help you gain a significant business advantage with customised solutions, when you need them most.

Business Privileges
Get fabulous discounts on a wide spectrum of business facilities including couriers, printing, IT purchases, money transfers, telecom services, meet & greet services. You also get great discounts on hotel stays and airline tickets with your Dubai First Business Credit Card.

More Control
Streamlined Personal and Business Accounts
Separate your personal and business expenses with a card that’s specifically designed for your business. Monitor your accounts, calculate your expenses, streamline your cash management and take control of your business expenses with ease.

Expense Reports and Account Summaries
With periodical quarterly and annual account summaries and Management Information System (MIS) reports, you can simplify your book-keeping and accounting tasks and track all your business expenses across various categories.

  Flexible Interest Rates
For the first time ever, here’s a card that responds to your purchase pattern. No matter how large or small your business, your Dubai First Business Credit Card gives you flexibility just where you need it.
An interest rate of 24.99% will be charged for the 1st Business Card Quarter* of your membership. During this Business Card Quarter, your monthly expenditure, repayment pattern and promptness of payments will be evaluated and this will determine your interest rate for the next Business Card Quarter.
Below is a table that simplifies the interest rate calculation:
 
Business Overview
 
The above rates apply in case no late payments are made during the review period. In case of late payment, interest charges will increase as follows:
 
  • 1 late payment: 0.50%
  • 2 late payments: 0.75%
  • 3 late payments: 1.00%
The example below explains just how flexible the Dubai First Business Credit Card is:
 

Business Overview 2


Flexible Advantages
Whether you need instant access to cash, wish to pay your utility bills or make a transaction over the phone, every little detail is designed to significantly support your business. Just call 04-506 8888 any time, any day.

Worldwide Recognition
Accepted at more than 22 million worldwide locations that bear the Visa brandmark.

Instant Cash Advances
Get convenient access to over 800,000 ATMs around the world plus the exclusive benefit of up to 10% cash advance!

Utility Bill Payments
Pay your DEWA, Etisalat landline, mobile, Al Shamil and Evision bills. Renew your Wasel card and also get extra 5% credit when you recharge.

Phone Banking
No matter where you are in the world, we are just a phone call away. Call us on 04-506 8888, any time, any day.

Paying Your Credit Card Bill
Choose from several flexible options to pay your credit card bill, including over 300 payment locations to pay by cash. You can also make cheque payments at 13 convenient locations of Al Ansari Exchange across Dubai, Abu Dhabi and Sharjah.

*”Business Card Quarter” means the time period defined by Dubai First within which three successful repayments have been made to your account.

 

 

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Useful Information

Business Secure from Dubai First Business Credit Card.
No other credit card protects you better.

Free for the first month, Business Secure covers your Dubai First Business Credit Card outstanding balance in case of unfortunate events like death, permanent total disablement or critical illness, in addition to hospital cash benefits and comprehensive travel protection.

It’s the most comprehensive credit shield for your business.Business Secure covers your Dubai First Business Credit Card outstanding balance in case of:
 
  • Death due to any cause - up to AED 500,000
  • Permanent total disablement - up to AED 500,000
  • Hospitalisation cash benefit - AED 200 per day up to 60 days
  • Bonus Benefits
     
    In addition, Dubai First provides unparalleled benefits such as:
     
    • Life insurance with a flat cash benefit of AED 75,000
    • Comprehensive Travel Insurance of up to AED 1,000,000 including travel accident insurance, emergency assistance/hospitalisation, travel inconvenience insurance, personal liability insurance and free baggage loss/delay insurance read more…
    All these benefits come to you FREE for the first one month. Thereafter, a nominal charge of 0.89% will apply on your monthly credit card balance. Secure the future of your business with Business Secure, and get complete peace of mind.
 

Schedule of Charges

DESCRIPTION FEE(% or AED)
Primary card annual membership fee 1% of your credit limit
Over limit fee AED 149
Cash advance fee 3% of cash advance amount or AED 60 whichever is higher
Liability letter AED 100
Sales draft copy AED 50
Returned cheque fee AED 149
Duplicate statement fee AED 25
Processing fee for dial-a-draft AED 100

Special benefits [Dial-a-draft]
Tenure (months) 6 12 18 24
Flat monthly interest rate 1.59% 1.49% 1.39% 1.29%
Early settlement for dial-a-draft 100(plus applicable interest charges)
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