Schedule of Fees and Charges

GENERAL	GOLD VISA CARD GOLD MASTER CARD	SILVER VISA CARD CLASSIC MASTER CARD
a
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
FEES AND CHARGES (AED)
a
Primary card annual membership fee	400	200
Supplementry card annual membership fee	Free	Free
Finance charges	A finance charge of 31.08% annually, equivalent to 2.59% monthly for retail/cash transaction will be charged to your account if the full balance (including previous interest) is not paid by each payment due date
Over limit fee	149	149
Late payment fee	149	149
Cash advance fee	3% of cash advance amount or AED 60 whichever is higher with a maximum charge of AED 250
Liability letter	100	100
Sales draft copy	50	50
Returned cheque fee	149	149
Duplicate request of statement of account	25 per monthly statement
Processing fee for loan on phone	1% of the loan amount or AED 100 whichever is higher
Early settlemant for loan on phone/easy purchase plan/balance transfer	100	100

SPECIAL BENEFITS

Loan on Phone/Easy Purchase Plan

Tenure (months)

Loan On Phone interest rate

1.39%

1.29%

1.19%

1.09%

Easy Purchase Plan interest rate

1.2%

1.1%

1.0%

0.95%

Balance Transfer

Tenure (months)

Monthly interest rate

0.99%

0.89%

0.79%

Monthly Installment (AED)

883

466

322

253

178

Terms and conditions

Use of Dubai First credit cards will be governed by the 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 by giving prior notice to the customer. the above charges apply from January 2008