Terms and Conditions

Arabic

IMPORTANT NOTICE

By applying for and activating or using a Dubai First credit card issued by First Abu Dhabi Bank PJSC, you have agreed to be bound by the following Terms and Conditions. These terms are in addition to any terms, conditions and declarations in the Dubai First credit card application form.

1. DEFINITION OF GENERAL TERMS

In these Terms and Conditions where the context so admits the following expressions shall have the meanings herein designated unless otherwise specified

  • “ATM” means an automated teller machine or any card operated machine, which accepts the Card for the purpose of issuing cash to the Card member.
  • “Bill Payment Center” (BPC) means any machine designated by FAB for the purpose of depositing cash or cheque payments.
  • Cheque Deposit Box” (CDB) means any secure box designated by FAB for the purpose of depositing cheque payments.
  • “Card” means Dubai First Visa and/or the Dubai First MasterCard credit card issued by FAB to the Card member; and include any Primary Card, Supplementary Card and Replacement Card.
  • “Card Account” means the Dubai First Visa and/or the Dubai First MasterCard credit card account opened by FAB for the purpose of entering all credits and debits received or incurred by the Primary Card member and the Supplementary Card member, if any, under these Terms and Conditions; or
  • “Card member” means  the person for whose name and for use the Dubai First Visa and/or the Dubai First Master Card Credit card is issued by FAB and includes the Primary Card member and any Supplementary Card member; or
  • .“Card number” means the unique 16-digit number embossed on the face of the Card, which uniquely identifies the Card Account.
  • “Cash Advance” means any cash obtained by the Card member from an ATM or in any manner as authorized by FAB using a Card
  • “Cash Advance Fee” means the charge detailed in Clause 5.3.
  • “Charges” means any amount payable by the Card member arising from the issue or use of the Card(s) or the Card number or the Personal Identification Number (PIN) or otherwise under these Terms and Conditions and includes without limitation, all Transactions, fees, charges, interest, expenses, damages and legal costs and disbursements.
  • “Credit Limit” means the maximum debit balance permitted by FAB for the Card Account for the Primary Card and the Supplementary Card, if any, and as notified to the Primary Card member from time to time for any Month. The Company reserves the right to amend the credit Limit (increase or decrease) at any time even without notifying the Card member.
  • “Current Balance” means the total debit balance outstanding on the Card Account payable to FAB according to FAB’s records on the date the Statement of Account is issued.
  • “FAB” means First Abu Dhabi Bank PJSC.
  • “Finance Charge” means the charges referred to in Clause 4.8
  • “Merchant” means any institution or person supplying goods and/or services who accepts the Card of the Card member as a means of payment or reservation by the Card member.
  • Minimum Payment Due” means the payment required to be made by the Card member under clause 4.5 hereof.
  • “Month” means calendar month according to the Gregorian calendar.
  • Payment Due Date” means the date specified in the Statement of Account by which date payment of the Current Balance or any part thereof or the Minimum Payment Due is to be made to FAB.
  • PIN” means the Personal Identification Number issued to the Card member by FAB or selected by the Card member to enable the Card to be used for any Dubai First Card services or Transactions as per the Terms and Conditions.
  • "Primary Card member" means the person to whom FAB has issued the Primary Card and for whom the Card Account is first opened by FAB.
  • "Primary Card" means the card belonging to a Primary Card member.
  • Replacement Card” means a further Card issued to an existing Cardmember to replace an existing Card.
  • Statement of Account” means FAB’s monthly or other periodic statement of account sent to the Primary Cardmember showing particulars of the Current Balance incurred by the Primary Cardmember and the Supplementary Cardmember(s), if any, and payable to FAB.
  • Supplementary Cardmember” means any person to whom a Supplementary Card is issued.
  • Transaction” means any Cash Advance or transaction of whatsoever nature entered into by the Cardmember using a Card.
    1. These Terms and Conditions will also include the specific terms and conditions related to the benefits and services offered to our Cardmembers which are part of the Annexure to this Agreement
    2. Words importing only the singular number shall include the plural number and vice versa.
    3. Words importing any gender shall include all genders.
    4. Words importing person shall include a sole proprietor, partnership firm, company, corporation or other entity.
    5. The headings to the clauses herein shall not be taken into consideration on the interpretation or instruction of the Terms and Conditions.

 

2. COLLECTION OF THE CARD

2.1 The Card may be collected by the Cardmember at such location as may be notified to the Cardmember by Dubai First from time to time or sent by post or sent by courier to the address notified to FAB by the Cardmember at the risk of the Cardmember.

2.2 Upon receipt of the Card, the Cardmember shall call FAB on the number specified in order to activate the Card. The Cardmember shall identify himself and advise of his account number and any other confidential information that FAB may require. The Cardmember consents to the recording of his telephone call with FAB and accepts that such record may be used by FAB as evidence in a court of law or any legal proceeding.

2.3 Upon receipt of the Card, the Cardmember shall sign the Card immediately and such signature and/or the use of the Card shall constitute binding and conclusive evidence of the confirmation by the Cardmember to be bound by these Terms and conditions notwithstanding that FAB is not notified of the Cardmember’s receipt of the Card. In the event that the Cardmember does not wish to be bound by these terms and conditions, the Cardmember shall cut the Card in half and return both halves to FAB and Clause 8 hereof shall thenceforth be operative.

2.4 The Card is and will be, at all times, the property of FAB and shall be surrendered to FAB immediately upon request by FAB or its duly authorized agent. FAB reserves the right to withdraw the Card at its absolute discretion and/or terminate the Card with or without prior notice and in whatever circumstances it deems fit.

2.5 The Card is not transferable. The Card may not be pledged by the Cardmember as security for any purpose whatsoever.

3. USE OF THE CARD

3.1 The Card is issued for use in connection with the facilities made available by FAB from time to time at its absolute discretion including, but not limited to the following:

a.The payment for any purchase of goods and/or services, which payment may be charged to the Card Account;

b. Any ATM transaction effected through the Cardmember’s other accounts;

c. Cash Advance, as set out under Clause 5 hereof; and/or

d. Other facilities, subject to prearrangement with Dubai First, if applicable.

3.2 Where an ATM facility has been incorporated in the Card the Cardmember shall be responsible for all transactions whether processed with the Cardmember’s knowledge or by his express or implied authority. The Cardmember hereby authorises FAB to debit his account with the amount of any withdrawal in accordance with the record of transaction. The Cardmember accepts the record of transaction as conclusive and binding for all purposes.

3.3 The Card Member undertakes to stay within the prescribed Credit Limit assigned/established by FAB for the Card member and the Card member further undertakes to effect no purchases or transactions which may cause the aggregate outstanding balance of the Card member’s obligations to FAB under all such purchases and transactions along with charges to exceed such Credit Limit. If, in contravention of this provision, the Card member exceeds the Credit Limit, the Card member shall, in addition to the amounts payable under Clause 4.6 hereof, forthwith pay to FAB, upon demand by FAB, the full sum by which the Credit Limit is exceeded. In the event of a failure by the Card member to pay to FAB the full sum demanded as aforesaid the whole outstanding balance on the Card member’s Card Account shall become immediately due and payable and the provisions of Clause 8.8 shall be applicable. Notwithstanding that the Card member’s Credit Limit has not been exhausted, FAB shall be entitled to, at any time and without prior notice and without giving any reason and without liability towards the Card member, withdraw and restrict the Card member’s right to use the Card or to refuse to authorise any transaction.

4. PAYMENT

4.1 The Card member agrees to pay to FAB upon the request of FAB the annual membership fee as prescribed by FAB for the Card from time to time and the annual membership fee as prescribed by FAB for each Supplementary Card when issued or renewed. A handling charge, as prescribed by FAB from time to time is payable by the Card member to FAB immediately upon the request of FAB for the issue of a Replacement Card. Additional charges, as prescribed by FAB, are payable by the Card member to FAB immediately upon the request of FAB for the provision of copies of sales/cash advance drafts and any further services FAB may provide from time to time. FAB may, from time to time, by giving prior written notice to the Card member, change the amount of fees or charges payable by the Card member under these Terms and Conditions and the period of time within which the fees or charges are payable by the Card member under these Terms and Conditions. Such changes shall apply from the effective date specified by FAB.

4.2 All payments to be made by the Card member shall be in the billing currency of the Card Account. If payment is made in any other currency, the Card member shall pay FAB all exchange, commission and other charges or losses charged or incurred by FAB in converting such payment to the billing currency. Such conversion shall be effected at such rate of exchange as may be conclusively determined by FAB as at the date that it is recorded in the Account. Any payment made to FAB by the Card member in the billing currency of the Card Account will be credited to the Card Account only on the date of FAB’s posting of the funds to the Card Account in Dubai and where payment is made in any currency other than the billing currency, such payment shall be credited after the date when such payment is converted into the billing currency or when the relevant funds have been received for value by FAB in Dubai and assigned to the Card Account.

4.3 FAB shall be entitled to treat the following as evidence of a debt properly incurred by the Cardmember to be debited to the Card Account:

a. Any sales draft, transaction record, credit voucher, cash disbursement draft and/or other charge record bearing the imprint or other reproduction of embossed information printed on the Card and duly completed; and/or

b. FAB’s record of Cash Advances or of any other transactions effected by the use of the Card including but not limited to Transactions effected via mail order or via the telephone or via the internet.

4.4 Payment of the Current Balance as specified on the Statement of Account in FULL is due and payable not later than the Payment Due Date and the Cardmember shall incur no Finance Charge if Dubai First receives payment of the Current Balance in FULL on or before the Payment Due Date. In case Cardmember makes payment by cheque, the payment is considered as received after the cheque is cleared and posted to the Card Account on receipt of the cleared proceeds.

4.5 The Cardmember may choose not to settle the Current Balance in full, in which case the Cardmember must, on or before the Payment Due Date, pay the Minimum Payment Due specified in the statement. The Minimum Payment Due is calculated as follows:

a. If the Current Balance does not exceed the Credit Limit the Minimum Payment Due will be an amount of 5% of the Current Balance plus any unpaid Minimum Payment Due from the previous statement or AED 100.00 whichever is the greater (hereinafter referred to as “the Minimum Payment Due”); or

b. If the Current Balance exceeds the Credit Limit, the Minimum Payment Due is calculated as an amount equal to 5% of the Current Balance plus the excess amount over the Credit Limit, plus any unpaid Minimum Due from any previous statement; or

c. If the Cardmember has availed of Easy Purchase Plan then the Minimum Payment Due is as outlined in clause 20.xii.

d. The Minimum Payment Due for all Dubai First cards excluding Royale is 5% or AED 100, whichever is greater.

4.6 If the Current Balance at any point of time exceeds the Credit Limit, then the Card member will be charged an Overlimit Fee. The Overlimit Fee will be debited to the Card Account.

4.7 In the event any cheque payment does not clear for whatever reason a Cheque Return Fee will be charged to the Cardmember Account.

4.8 If the Card member pays to FAB, by the Payment Due Date, an amount less than the Minimum Payment Due or equal to or more than the Minimum Payment Due but less than the Current Balance or if no payment is made then a Finance Charge as per the Schedule of Charges will be calculated on a daily basis and will be applied to the Current Balance from the date of the last statement until any repayments are credited to the Card Account or till the next statement whichever is earlier. If in the above instance a payment is made then for the period till the next statement, additionally a Finance Charge as per the Schedule of Charges will be calculated on the Current Balance less the payment made from payment date till the next statement date.

4.9 If the Card member pays to FAB any amount which is in excess of the Credit limit of the card or the Current Balance, whichever is higher, then FAB retains the right not to process such payments and to return the payments to the Card member. FAB also retains the right, in such cases as it deems necessary, to call such Card member to verify reason for such excess payments and to ascertain a bonafide reason thereof.

4.10 If the Card member fails to pay the Minimum Payment Due by the Payment Due Date, a late payment fee, to be determined by FAB from time to time, shall be debited to the Card Account.

4.11 All payments for purchases of goods and/or services and cash advances effected by the use of the Card and all Charges, annual fees, handling charges, additional charges, Finance Charges and/or late Payment Fee and/or Over limit Fee shall be debited to the Card Account in the billing currency and shall be reflected in the Statement of Account. FAB shall be entitled, at its sole discretion, from time to time to vary the rate or method of calculation of the Charges, annual fees, handling charges, additional charges, Finance Charges the specified Minimum Payment Due and/or late payment fee and/or Over limit Fee. All payments and credits may, unless otherwise decided by FAB, be applied by FAB, first to the outstanding amounts that have been billed to the Card Account for the longest period of time or to the Current Balance in its entirety as FAB may deem fit.

4.12 Without prejudice to FAB’s rights at any time to take the appropriate legal action, FAB will charge a service fee for any returned unpaid cheques drawn by the Cardmember in full or partial payment of the Current Balance.

4.13 If a Transaction disputed by the Card member is subsequently proven to have been originated by him, FAB retains the right to charge-back, as from the date when the Transaction took place, the Transaction amount along with a Finance Charge and any additional fees and expenses incurred by FAB in the investigation thereof.

4.14 FAB’s acceptance of late payments or partial payments or cheques or money orders marked as constituting payment in full or otherwise of the Current Balance or any indulgence granted by FAB in the failure to collect the amounts due from the Card member as and when they are so entitled under these Terms and Conditions shall not operate as a waiver by FAB nor modify these Terms and Conditions in any respect nor prevent FAB from later enforcing any of its rights under these Terms and Conditions to collect the amounts due hereunder.

4.15 The Card member hereby expressly agrees that if any sums shall be due from the Card member to FAB at any time under the Card Account or if the Card member shall be liable to FAB on any FAB account or any other account, current or otherwise, in any manner whatsoever, or if default is made by the Card member in relation to such accounts or any other FAB facilities granted by FAB to the Card member, then and in such event the whole Current Balance of the Card member’s Card Account shall become immediately due and payable and the provisions of Clause 8.8 hereof shall be applicable.

4.16 Notwithstanding the exercise by FAB of any of its rights hereunder, interest, Finance Charges and payment charges at the rates stipulated in clauses 4.6, 4.9 and 5.3 hereof shall continue to be chargeable on any of the sums of money which remain due and unpaid after the exercise of any of FAB’s rights. In the event that a judgment is obtained by FAB  wherein it is adjudged that any sum of money should be paid to FAB, then interest, Finance Charges and late payment charges shall be payable on such sum of money so adjudged to be payable to FAB  until the date of full payment thereof.

4.17 FAB may in its absolute discretion, demand as a condition for the approval of any application to obtain a Card, that the applicant deposits an undated cheque, promissory note  for any amount which FAB may require. FAB may, at any time, demand that the Card member deposits an undated cheque and/or promissory note in favour of FAB for the amount which FAB may require even where such a cheque, promissory note was not demanded when the card was issued to the Card member. The Card member has authorised FAB to insert the date of the said cheque and to present it for payment on the inserted date against any amount due to FAB. Any cheque deposits may only be regarded as received by FAB upon the same being credited to the Card Account.

4.18 Cheques deposited in CDB shall be credited to the Card Account only after conducting required verification as per FAB’s process. Further, the deposited cheque shall be acceptable for collection only and the proceeds shall not be available until the cheque has been collected and cleared. Any such deposit may only be deemed to have ben actually received by FAB upon crediting the said cheque amount to the Card account.

4.19 A Card member may choose to effect payment by depositing cheques in any of the BPC/ATM and/or CDB designated by FAB. FAB shall not be liable for any loss or delay caused by the use of the BPC/ATM and/or CDB. Cheques deposited at a BPC/ATM and/or CDB shall only be credited to the Card Account after verification by FAB (which verification shall be conclusive and binding against the Card member) and any statement issued on making a deposit shall only represent what the Card member purports to have deposited and shall in no way bind FAB as to its correctness.

4.20 The Card member agrees that the records of FAB of any Transaction effected by the use of the Card shall be conclusive and binding on the Card member for all purposes.

4.21 A Card member will not be allowed to transfer funds from one Card Account to another in settlement of the dues of a Card Account.

5. CASH ADVANCES

5.1 The Card member may obtain Cash Advances in such amount as may be acceptable to FAB, from time to time at its absolute discretion, by the following means:

a. Presenting the Card at any member institution of the corresponding credit card governing body (for example: Visa or MasterCard), which offers such facility together with evidence of their identity and signing the necessary transaction record; or

b. Use of the Card at any bank or institution with whom FAB has an arrangement for the use of the ATM (in which case the amount of each advance will be further subject to the applicable daily withdrawal limit of the ATM). The use of the Card by the Cardmember to obtain a Cash advance shall be deemed to constitute the agreement of the Cardmember to pay interest on each Cash Advance and a Cash Advance Fee, as detailed in Clauses 5.ii and 5.iii.

5.2 Cash Advance Finance Charge shall accrue on each Cash Advance from the date of the Cash Advance until repayment or the next Statement of Account whichever is earlier at the current rate as per the Schedule of Charges or at such rate as Dubai First may notify the Cardmember from time to time. In case a payment is made prior to the next statement an additional amount of Cash Advance Finance Charge on the Cash Advance less payment made at the rate as per the Schedule of Charges will be applied from the date of the payment till the next statement date.

5.3 A Cash Advance Fee as per the Schedule of Charges shall be debited to the Card Account for each Cash Advance. FAB may, from time to time, vary the amount of the Cash Advance Fee and Cash Advance Finance Charge payable by the Card member to FAB and notify the same to the Card member through the Schedule of Charges and/or any form of communication as decided by FAB from time to time. Such variation shall apply from the effective date specified by FAB.

6. SUPPLEMENTARY CARD/JOINT AND SEVERAL LIABILITIES

6.1 FAB may in its absolute discretion issue a Supplementary Card to a person nominated by the Card member and approved by FAB. The issue of Supplementary Card(s) shall be subject to such terms and conditions, which FAB may deem necessary.

6.2 All the terms and conditions applicable herein to the Card member shall apply mutatis mutandis to the Supplementary Card member (that is, with the necessary changes to the Supplementary Card member and for such purpose the terms “Card member” and the term “Card’ shall be read and construed as if the terms “Supplementary Card member” and “Supplementary Card”, respectively were substituted therefore). Every Supplementary Card member shall be jointly and severally liable with the Primary Card member, as defined herein. Both the Supplementary Card member and the Primary Card member shall be liable jointly and severally for costs, for all goods and services and Cash Advances obtained and all Transactions generated by the use of the Card as well as the Supplementary Card(s). FAB may in its absolute discretion commence an action or proceedings under this subclass against the Primary Card member or the Supplementary Card member or both.

6.3 The undertakings, liabilities and obligations of the Primary Card member and Supplementary Card member shall not be affected in any way by any dispute or counterclaim or right of set off which the Primary Card member and the Supplementary Card member may have against each other. In addition to the aforesaid, and through a separate undertaking, the Primary card member shall be fully liable to FAB for all Charges and other liabilities incurred by the Primary card member and the Supplementary card member notwithstanding any legal disability or incapacity of the Supplementary card member. The Primary card member shall indemnify FAB against any loss, damage, liability, costs and expenses, whether legal or otherwise, incurred or suffered by FAB by reason of any breach of these Terms and Conditions by the Supplementary card member.

6.4 The Credit Limit assigned to the card member is inclusive of the Credit Limit of the Supplementary card member .The Primary card member and the Supplementary card member shall not permit the total of the Charges incurred under or through their respective Cards to exceed the said Credit Limit. In case, a Supplementary card member may have been assigned with a specific credit limit that shall constitute the maximum spending limit on the Supplementary Card. However, this in no way absolves the Primary Card member from being fully liable to FAB for all debts incurred by the Supplementary Card member.

6.5 The validity of the Supplementary Card is dependent upon the validity of the Primary Card. Upon termination of the use of the Primary Card or the Primary Card member’s agreement with FAB, for whatever reason, the Supplementary Card(s) issued thereunder shall also be terminated. Termination of the Supplementary Card or the Su pplementary Card member’s agreement with FAB, for whatever reason, shall terminate the Supplementary Card and Supplementary Card agreement only and shall not terminate the Primary Card or the Primary Card member’s agreement with FAB.

6.6 In the event that the Primary Card member requests a maximum Credit Limit on the Supplementary Card, any such request shall be treated as a preference only and should, for whatever reason the Supplementary Card member exceed such limit, the Primary Card member shall remain liable for the additional spending to the full extent of the outstanding balance.

6.7 FAB may disclose Primary Card member’s account or additional information to Supplementary Card member(s) with the prior written approval from the Primary Card member.

7. LOSS OF CARD/DISCLOSURE OF PIN

7.1 FAB may issue a PIN to the Card member or the Card member may select a PIN via SMS, over the phone by calling the Contact Centre and/or IVR for use at any ATM, POS terminal which will accept the Card.

7.2 The Cardmember agrees that the PIN may be sent by post to him at his own risk.

7.3 The Card member shall be fully liable to FAB for all Transactions made with the PIN whether with or without the knowledge of the Card member.

7.4 The Card member shall take all reasonable precautions to prevent the loss or theft of the Card and shall not disclose the PIN to any party.

7.5 In the event that the Card is lost or stolen or that the PIN is disclosed to any other party, the Card member shall immediately, thereafter, report the said loss, theft or disclosure, together with the particulars of the Card, to FAB and the Police of the country where such loss or theft or disclosure occurred.

7.6 The Card member shall be and shall remain to be fully liable for any use of the Card by any person whether with or without the knowledge of the Card member and irrespective of whether they were authorised by the Card member or not.

7.7 FAB may at its absolute discretion issue a Replacement Card for any lost or stolen Card or new PIN on these Terms and Conditions or such other Terms and Conditions as FAB may deem fit.

7.8 In the event that the Card member recovers the lost or stolen Card, he shall return the same cut in half immediately to FAB without using it. The Card member shall not use the PIN after reporting the disclosure thereof to FAB.

7.9 All PIN-based transactions will carry the government or Central Bank Card member liability limits, which FAB must comply with and may affect use of the Card. Any Cards and PINs issued will remain the property of FAB.

8. TERMINATION/CONVERSION

8.1 The Card member may at any time notify FAB of his intention to close the Card Account and terminate the use of all Cards by giving notice in writing and returning all the Cards, cut in half, to FAB. The Card Account shall be closed only after the receipt by FAB of all Cards, cut in half, and the full payment of the outstanding balance of the Card Account.

8.2 The Primary Card member or any Supplementary Card member may at any time ,  before/during the termination of the Primary Card, terminate the use of the Supplementary Card by giving notice in writing and by returning the Supplementary Card, cut in half to FAB. In such event, all Card members, including the Supplementary Card member whose use of the Card has been terminated, shall be and shall continue to be jointly and severally liable to FAB for the outstanding balance of the Card Account in accordance with these Terms and Conditions, save that the Supplementary Card member, whose use of the Card has been terminated, shall not be liable for Charges and other liabilities incurred by the Primary Card member and any other Supplementary Card members (if any) after FAB’s receipt of the cut Supplementary Card.

8.3 FAB may at any time, recall all or any of the Card(s) with or without giving prior notice to the Card member. The Card member shall immediately after such recall return such Card(s) cut in half to FAB and make full repayment of the outstanding balance of the Card Account to FAB.

8.4 FAB shall terminate the use of the Card without notice upon the death, bankruptcy or insolvency of the Card member or when the whereabouts of the Card member becomes unknown to FAB due to any cause not attributed to FAB. In the event of the Card member’s bankruptcy, death, or insolvency, the holder(s) of Supplementary Card(s) will immediately cease the use of the Card(s) and return them to FAB.

8.5 The whole of the Current Balance on the Card member’s Card Account together with any outstanding amount incurred by the use of the Card but not charged to the Card member’s Card Account shall become due and payable to FAB on the termination of these Terms and Conditions by either FAB or the Card member, or on the death, bankruptcy or insolvency of the Card member or (at FAB’s discretion) if the Card member is in breach of these conditions. The Card member and/or his estate will be responsible for the settling of outstanding balances on the Card Account and shall keep FAB indemnified for all costs (including legal fees) and expense incurred in recovering such outstanding balances.

8.6 FAB shall not be liable to refund the annual membership fee or any part thereof in the event of the termination of the Card Account or the use of any or all of the Card(s).

8.7 Notwithstanding the due dates specified in the Card member’s Statement of Account the whole of the outstanding balance on the Card member’s Card Account shall become due and payable upon the occurrence of the following events:

a. Termination of use of the Card under Clauses 2.iv, 8.i, 8.ii, 8.iii, 8.iv, 8.v and 13.iii hereof; or

b. Termination of use of the Card by the Cardmember under Clauses 2.iii, 8.i and 15.ii hereof;

8.8 Upon the termination of the Card, as aforesaid, all Charges, Finance Charges, all late payment fees and over limit fees shall be immediately due and payable to FAB. It is hereby expressly agreed by the Card member and FAB that all the provisions contained herein shall continue in full force and effect notwithstanding the termination of the use of the Card in accordance with the terms of these Terms and Conditions. All further monies debited to the Card member’s Card Account after termination of the use of the Card aforesaid shall become immediately due and payable upon their entry into the Card member’s Card Account and all Charges, Finance Charges, late payment fee and over limit fee shall also be immediately payable.

8.9 In the event that any security is held by FAB as collateral for the issuance of the Card, FAB reserves the right to retain such security, to the discretion of FAB, following the Card being cancelled and being returned to FAB, whether cancelled by the Card member or FAB, or following this agreement being terminated for whatever reason.

8.10 Notwithstanding the provisions of Clause 8.8, in the event that the Card member does not make a required payment due under the terms of these Terms and Conditions, FAB shall have the right to take necessary legal action in respect of any security held by it including assigning such security in the name of FAB, offsetting any outstanding payments with the said security or liquidating the said security.

9. EXEMPTIONS AND EXCLUSIONS

9.1 FAB shall not be liable for any loss or damage howsoever incurred or suffered by the Card member by reason of FAB or a Merchant or other bank or financial institution or any ATM or other party refusing to allow a Transaction or accept the Card or the Card number or the PIN or to provide Cash Advances up to the Credit Limit or at all.

9.2 FAB shall not be responsible for the refusal of any Merchant or member institution of the corresponding credit card governing body (eg. Visa/MasterCard International) to honour or accept the Card or for any defect or deficiency in the goods or service supplied to the Card member by any merchant or, where applicable, for any breach or non- performance by a Merchant of Card Transactions.

9.3 In the event of any dispute between the Card member and any Merchant or bank or financial institution or any other person, the Card member’s liability to FAB shall not in any way be affected by such dispute or any counterclaim or right of set off which the Card member may have against such Merchant or bank or financial institution or person.

9.4 FAB will credit the Card Account with the amount of any refund only upon receipt of a properly issued credit voucher from the Merchant establishment.

9.5 FAB shall not be liable in any way to a Card member for any loss or damage of whatever nature due to or arising from the use of a Card or entry into a Transaction or any disruption or failure or defect in any ATM or other machine or communication system or facilities or data processing system or transmission link or any industrial or other dispute or anything or cause, whether beyond the control of FAB or otherwise.

9.6 FAB shall not be liable for any dispute brought to its notice by the Card member after the expiry of 30 days from the date of the respective Statement of Account.

10. CONFIDENTIALITY AND DISCLOSURE OF INFORMATION

10.1 FAB agrees and confirms that all information received from the Card member including information pertaining to Card Account(s) and transactions shall be treated as confidential information. No financial information pertaining to the Card member shall be released to any person, entity or business without the written consent of the Card member.

10.2 The Card member, however, irrevocably authorizes and permits FAB, as it deems fit, and without any written consent whatsoever, to disclose and furnish such information, including financial information, concerning the Card member and its affairs, including, but not limited to, the account of the Card member under these Terms and Conditions to FAB’s subsidiaries, affiliates, associates, branches, assignees, agents or other parties authorized by FAB to enable FAB to enforce the Card members obligations under these Terms and Conditions, both in the UAE and outside the UAE. The Card member also irrevocably authorizes and permits FAB to disclose and furnish such information, without any prior consent in case there are any proceedings brought by FAB against the Card member, or by any third party against the Card member in respect of the Card member’s Card Account(s) or transactions with FAB or in case of any proceedings by third party against FAB in relation to the Card member’s Card Account(s) or transactions with FAB. The Card member also irrevocably authorizes and permits FAB to disclose and furnish such information, without any prior consent when a court or other government or official entity  including credit bureau, demands financial information pursuant to any proceedings or in compliance with any law or order being validly passed by such authority. The Card member authorizes the release of information in the cases mentioned above without the need for prior consent or approval or notification in any manner whatsoever.

10.3 FAB shall have the right to check the credit standing of an applicant for the Card and/or the Card member under any circumstances whatsoever, without reference to Card member. Such circumstances need not be relating  to or arising out of these Terms and Conditions, including, but not limited to, the non-acceptance, for any reason whatsoever, of the Card by any Merchant, person, body, bank or any member institution of Visa/MasterCard International, rejection of the Card by any ATM, non-renewal, restriction or cancellation of Credit Limits or facilities, the listing of such Card number or Card member in any cancellation list, the failure of the Card member to receive the Statement of Account at the time elected by the Card member in the relevant application form executed prior to or simultaneously with these Terms and Conditions or under any circumstances where-in FAB shall be obliged to act reasonably to protect its rights under the provisions of these Terms and Conditions.

10.4 The Card member consents to the disclosure of the last known address of the Card member to any bank or Visa/MasterCard International or its successors and the disclosure of the Card numbers of the new, renewed or replaced Cards to Merchants and other interested persons.

11.INDEMNITY

The Card member undertakes and agrees to indemnify FAB and hold it harmless against any loss, damage, liability, costs and expenses, whether legal or otherwise, which FAB may incur by reason of these Terms and Conditions or any breach thereof or the enforcement of FAB’s rights as herein provided. All costs and expenses, including legal costs and disbursements on a solicitor and client’s basis incurred by FAB in enforcing and seeking to enforce these Terms and Conditions or otherwise, may be debited to the Card Account and shall be paid by the Card member.

12.RIGHT OF SET OFF

12.1 FAB have the right at any time and without notice to the Card member to combine or consolidate all or any of Card member’s accounts in FAB books and to set off or transfer any money  standing to Card Member’s credit in any of Card Member’s  account(s) in FAB against Card Member’s liabilities or obligations to FAB. FAB shall also be at liberty to apply any security/assets of the Card member which are in the custody or control towards the satisfaction of the Card member’s liabilities or obligations to FAB whether they are actual or contingent or joint or several. If FAB combine or consolidate the Card member’s accounts or if FAB exercises its right to set off, it shall be without prejudice to any security they may hold.

12.2 For the purpose of enabling FAB to preserve the liability of any party, including the Card member, once a writ or summons or proceedings have been issued to prove the bankruptcy or insolvency of the Card member or, for such other reasons as FAB thinks fit, FAB may at any time deposit and retain for such time as FAB may think prudent any monies received, recovered or realized thereof under or any other security or guarantee to the credit of the Card member, as FAB may think fit, and without any obligation on the part of FAB to apply the same or any part thereof  in or towards the sums due and owing.

13.NOTICES

13.1 The Card member must promptly notify FAB in writing of any changes in employment or business or address (office or residential) or if the Card member intends to be absent from the United Arab Emirates for more than thirty days.

13.2 If the Card member should be absent from the United Arab Emirates for more than thirty days, the Card Account shall be settled within seven (7) days prior to his/her departure.

13.3 If the Card member leaves the United Arab Emirates to take up residence elsewhere, any Primary Card and Supplementary Card(s) shall be returned to FAB fourteen (14) days prior to the Card member’s departure and the use of the Primary Card and Supplementary Card(s) shall be deemed to be terminated and Clause 8.8 shall henceforth be operative.

13.4 All Cards, PIN, Notices, Statements of Account, demands or any other communication under these Terms and Conditions (hereinafter collectively called “Communications”) may be delivered personally, sent by ordinary post or e-mail to the last known billing or other address of the Card member mentioned on the application form for issuance of the Card or the address made available to FAB by the Card member in writing as the latest.  FAB shall not be liable in any manner whatsoever for any postal or other delays or the non-receipt of “Communications” by the Card member. All Communications under these Terms and Conditions sent to the Primary Card member or to the Supplementary Card member shall be deemed to be Communications sent to both.

13.5 A Telephone Identification Number (TIN) may be selected by the Card member upon proper verification of the Card member by FAB. TIN may be used to verify the Card member when the Card member calls the Contact Center, IVR or other contact points of FAB. The Card member will not disclose the TIN to any person. FAB will not be liable for acting in good faith on the Card member’s instructions and FAB is indemnified against any consequences, claims, proceedings or losses that may arise or incur by reason of carrying out the Card member’s instructions or purporting to be from the Card member.

13.6 Any instructions conveyed by the Card member through the Contact Center and/or the IVR and/or any of FAB branches or contact points shall be deemed valid. FAB has the right to record all such telephonic instructions and may act upon and use such records as evidence in the case of disputes/complaints or in a court of law or other legal proceedings. The Card member consents to such recording and use of the same by FAB. The Card member understands that the range of services provided through the Contact Center may change from time to time.

13.7 Instructions sent by the Card member to FAB through facsimile or email communication shall be considered valid and binding on the Card member and FAB may act upon instructions conveyed through this method. FAB may use copies of facsimile transmissions or any other electronic communications in any Court of Law.

14.GENERAL

14.1 The Card member undertakes to sign such further documents as may be requested by FAB from time to time with respect to the Card Account. All fees and charges pursuant to or in connection with these Terms and Conditions are non- refundable.

14.2 FAB may from time to time, use the Card member’s contact details and non-financial account information for internal or external marketing campaigns.

14.3 FAB may verify and confirm the applicant’s credit history with credit bureau, (if available), as well as with other institutions that grant credit. FAB may inform other credit institutions or credit information offices regarding the repayment history of the account.

14.4 Time shall be of the essence in these Terms and Conditions but no failure and/or delay in FAB’s exercise of any right, power or privilege under these Terms and Conditions shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof of the exercise of any other right, power or privilege. The rights and remedies herein provided are cumulative and not exclusive of any rights and remedies provided by law.

14.5 FAB shall be entitled at any time without the consent of the Card member to assign the whole or any part of its rights, or obligations under these Terms and Conditions with or without notice to the Card member.

14.6 These Terms and Conditions shall be binding upon the Card member and no assignment of right or obligations is permissible to the Card member.  

14.7 FAB may appoint an agent to collect all sums due to FAB from the Card member under these Terms and Conditions.

14.8 From time to time and at its sole discretion FAB may offer additional benefits and services relating to the Card(s) such as travel insurance, purchase protection, travel assistance,  free vouchers/discounts for certain services/campaigns, promotions etc.  Such services/ promotions are offered on a best effort basis and FAB shall have no responsibility for direct, indirect, special, incidental or consequential damages in the event that they are not provided. FAB may modify or discontinue, and/or impose such charges for these services, as FAB shall determine from time to time at its sole discretion.

14.9 Sales Plan: The card member may at any time, prepay/pre settle any of the Sales Plans availed, after giving necessary prior notice to FAB. In case of any such early settlement, the card member has to pay the unbilled interest along with any early settlement fees as applicable to the particular sales plan.

15.VARIATION OF TERMS

15.1 FAB may from time to time, at its sole discretion, and without notice to the Card member, change or amend any of these Terms and Conditions including, but not limited to, the terms of payment by the Card member by way of annual fees, handling charges, additional charges, Finance Charges, the specified Minimum Payment Due, late payment fee and over limit fee. Subject to the requirements of statute, prevailing market conditions, FAB may notify any such change to the Card member by publishing thereof in the appropriate medium as decided by FAB.  Such charges shall apply on the effective date specified by FAB and shall apply to all unpaid interest, fees, Cash Advances, Charges and Transactions.

15.2 Retention or use of the Card after the effective date of any change of Terms and Conditions pursuant to Clause 15.1 hereof shall be deemed to constitute acceptance of such changes without reservation by the Card member. If the Card member does not accept the proposed change, the Card member must terminate the use of the Card by giving prior written notice to FAB and return the Card cut in half to FAB prior to the effective date of any such changes and Clause 8.7 hereof shall henceforth be operative. Upon such termination the annual fee paid is not refundable.

16.WAIVER

No condoning, excusing, neglecting or forbearing on the part of FAB of any default or breach of any of these Terms and Conditions by the Card member shall operate as a waiver of FAB’s rights and powers and no waiver shall be inferred from or implied by anything done or not done by FAB unless expressed in writing by FAB. Any waiver shall operate only as a waiver of the particular matter to which it relates and shall not operate as a waiver or release from any of these Terms and Conditions.

17.SEVERANCE

Each of these Terms and Conditions shall be severally distinct from one another and if at any time any one or more of such Terms and Conditions is or becomes invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or impaired thereby.

18.INTERNATIONAL SERVICE

  • From time to time and at its sole discretion FAB may offer additional benefits and services relating to the Card(s), such as a replacement service for Card members travelling abroad. Such services are offered on a best efforts basis and FAB shall have no responsibility for direct, indirect, special incidental or consequential damages in the event that they are not provided. FAB may modify or discontinue, and/or impose such charges for these services, as it shall determine from time to time and at its sole discretion.
  • The Card member consents to FAB’s disclosure, to any of its branches worldwide or to any third party, any information relating in any way whatsoever to the Card member or to his Card Account as it deems fit in its absolute discretion.
  • The Card member agrees that if he requests the issuance of Dubai First Credit Card from FAB or  an applicable credit card governing body (eg. Visa/MasterCard International ) branch located in another country (hereinafter known as the “Outside Location”), such an application is subject to the approval of the Outside Location and the issuance of the Card is an offer, only, for the Card member to accept upon reading and accepting the Terms and Conditions enclosed therewith and that his signing, activation or usage of the Card shall be his acceptance of such an offer and that he shall be bound by the said Terms and Conditions.
  • The Card member authorizes FAB to obtain and disclose to the Outside Location all and any information relating to him or to any of his accounts, that the Outside Location shall, at its sole discretion, deem necessary for the consideration of such an application by him.

19.GOVERNING LAW

  • These Terms and Conditions are governed by and shall be construed in accordance with the laws of the United Arab Emirates.
  • Any admissions or acknowledgment in writing by the Card member or any person authorised by the Card member of the amount of indebtedness of the Card member to FAB and any judgment obtained by FAB against the Card member in respect of such indebtedness shall be binding and conclusive in all courts of law in the United Arab Emirates and elsewhere. A certificate issued by an officer of FAB/or a statement issued by FAB as to the amount for the time being due and owing to FAB from or by the Card member shall be conclusive evidence against the Card member in any legal proceedings.

ANNEXURE 1 -EASY PURCHASE PLAN

  • Easy Purchase Plan” (EPP) means any payment plan offered by Dubai First as a benefit to a Cardmember for extended payment of any purchase whether cash or retail.
  • Dubai First Easy Purchase Plan is open to the holders of Dubai First Visa/MasterCard credit card issued by Dubai First. Dubai First Easy Purchase Plan is hereinafter referred to as “EPP”.
  • The purpose of EPP is to enable the Cardmember to purchase selected goods and services offered by specific merchants determined by Dubai First from time to time using the limit available on his/her credit card and repay the amount of the purchase in equal monthly instalments with these Terms & Conditions.
  • The EPP is offered exclusively to the Cardmember, as long as his/her Credit Card is in good standing as per Dubai First’s regulations. Any Cardmember who meets the Dubai First Credit Cards General Terms & Conditions will be automatically eligible for EPP. EPP is available for both Primary and Supplementary Cardmembers.
  • When availing of the EPP for selected goods and services, the Cardmember will have to pay deferred payment charges for the facility of paying in equal monthly instalments. The total amount of EPP (the “Total EPP Price”) will be the sum of the purchase price of the goods and services and the deferred payment charges.
  • The selected goods and services offered by the selected merchants, the deferred payment charges applicable and the number of monthly instalments to be paid (the “EPP Term” for each good and service shall be determined by Dubai First from time to time and communicated to the Cardmember accordingly (hereinafter referred to as the “Offer”).
  • The deferred payment charges and the EPP Term will vary from one Offer to another.
  • Dubai First will authorize an EPP transaction provided that the Total EPP Price is within the Cardmember’s available total credit limit available on his/her credit card and the Cardmember’s credit card is in good standing as per Dubai First’s rules and regulations adopted by Dubai First at the time of conducting the transaction.
  • If the Cardmember is interested in availing of any Offer under the EPP he/she has to call up Dubai First or send a specific form providing relevant details duly signed and authorised to Dubai First. Dubai First will then convert the transaction into an EPP transaction in accordance with these Terms & Conditions and the provisions applicable to that specific Offer in respect of the deferred payment charges and the number of instalments
  • The amount to be paid every month “EPP Monthly Instalment” will be computed by dividing the Total EPP Price by the EPP Term. (The Total EPP Price is arrived by adding the Purchase Price of the goods or services and the deferred payment charges).
  • The EPP Monthly Instalment shall be billed to the Cardmember starting from the immediately following statement date after the date of purchase and every month thereafter until the Total EPP Price is billed in full.
  • When a Cardmember makes a purchase under the EPP, the Minimum Payment Due on the statement will be the sum of the EPP Monthly Instalments plus 5% of Current Balance less the EPP Monthly Instalments plus the amount by which the Current Balance is in excess of the Credit Limit plus all past Minimum Amounts Due, if any.
  • If the Cardmember pays less than the Minimum Payment Due on the due date specified in the Cardmember’s credit card monthly statement then charges as per the existing Credit Cards Terms & Conditions governing the issue and use of the Dubai First Credit Card will become applicable.
  • If the Cardmember does not make a payment equal to or more than the Minimum Payment Due specified for two consecutive statements or if the Card Account is closed then Dubai First will at its sole discretion cancel the EPP and an amount equal to the total EPP Price less the EPP monthly instalments already billed to the Cardmember will be immediately billed to the Card Account in one lump sum. Dubai First will also charge an EPP Cancellation Fee of AED 125 for the above
  • The Cardmember may request for reducing or increasing the EPP Term i.e. the number of EPP instalments. Dubai First may review the request and may agree to the Cardmember’s request and charge a nominal fee (hereinafter called the “EPP Rescheduling Fee”) to the Cardmember’s credit card account for processing the same.
  • The Cardmember will be allowed the option of prepaying the Total EPP Instalment Price in one lump sum prepayment. There will be a nominal fee (hereinafter called the “EPP Cancellation Fee”) to process this request for the Cardmember.
  • The good(s) including any and all replacements, accessions & accessories thereto purchased by the Cardmember under EPP shall remain Dubai First’s absolute property until the Total EPP Price is paid in full and all of these Terms & Conditions are completely complied with. The Cardmember shall not be the owner of the good(s) until such date and he/she will not make any prior statement or allegations in this respect. The Cardmember shall not sell or rent mortgage or assign the good(s) or encumber it to waive its acquisitions or in any other way deal in the good(s) or any interest therein or any person or party. The Cardmember shall exercise proper diligence in the use and maintenance of the good(s).
  • Dubai First will not be liable for any damages or loss incurred by the Cardmember arising out of the purchase, installation, and use or otherwise of the good(s) and/or service(s) under EPP. Any complaint as to the quality of the good(s) purchased or service(s) rendered through EPP shall be referred to the supplier or merchant and shall not affect Cardmember’s obligation to continue paying the EPP Monthly Instalments to Dubai First.
  • Dubai First is entitled at any time and without prior notice or liability to Cardmember in any manner whatsoever to terminate EPP or cancel or vary its benefits or features, or vary or add or delete any of these Terms & Conditions. However, such termination shall not affect transactions concluded by the Cardmember and accepted by Dubai First under EPP before the termination decision. Dubai First is also entitled to determine a floor limit for the minimum amount of purchase allowable under EPP for each particular offer.
  • Dubai First reserves the right to disqualify any Cardmember from further participation in EPP, if in its judgment, that Cardmember has in any way violated the rules and conditions herein, or has violated Dubai First Credit Cards Terms & Conditions. Suspension and disqualification shall not lead to termination of transactions already concluded by the Cardmember and accepted by Dubai First before such decision.
  • Dubai First shall be entitled to disallow/refuse any transaction submitted by the Card member to it under EPP without assigning any reason whatsoever.
  • Dubai First shall not be liable if it is to perform its obligations under these Terms & Conditions, due directly or indirectly to the failure of any machinery or communication system, industrial dispute, war or act of God, or any thing outside the control of Dubai First. Nor shall Dubai First be responsible for any delay in transmission to Dubai First of evidence of EPP by the specified merchants or any other third party.
  • The Terms & Conditions herein shall be without prejudice to the existing Credit Cards Terms & Conditions of Dubai First, governing the issue of the use of Dubai First’s Credit Card and shall apply to the EPP.
  • If at any time dispute arises in connection with either the EPP or these Terms & Conditions, Dubai First’s decision in connection with the same shall be final and binding. Dubai First reserves the right to terminate the EPP without prior notice.

 

ANNEXURE 2 -DUBAI FIRST REWARDS

  • Dubai First Rewards program is offered to Dubai First’s Primary Cardmembers. No special enrolment or fee is required, although First Abu Dhabi Bank PJSC (the “Bank”) reserves the right to introduce an enrolment fee at a later date.
  • During the program period for Dubai First Rewards, the eligible Cardmembers will be awarded 1 DubaiDinar (”DD”) for every 1 UAE Dirham charged by the Cardmember of the Card Account for purchase of select good(s) and service(s). The Bank reserves the right to change at any time and without prior notice the ratio between the following:
  1. • The number of DD to be awarded;
  2. • The specified amount charged to the Cardmember’s Account;
  3. • to change the ratio of award for selected Transactions, and;
  4. • to change the eligibility of Transactions for earning DD.
  • Transactions that are eligible for DDs will be all retail transactions. DDs will not be earned for Cash Advances including purchase of traveller cheques, casino chip purchases etc. and all charges and fees billed to Card Account. The Bank may amend the above list of transactions eligible for DDs from time to time at its discretion. The Bank’s decision as to what constitutes an eligible transaction for the earning of DDs shall be final and conclusive.
  • DDs accrue in the Primary Cardmember’s account, but may be earned through Supplementary Card usage as well.
  • The Cardmember can redeem the DDs issued at any time subject to clause 21.6 and 21.7
  • Participants in good standing who had closed their Card Account can redeem their DDs within 30 days from the date of closure.
  • The Bank reserves the right to suspend or exclude any Cardmember from participating or continuing to participate in Dubai First Rewards program if:
  1. • In its opinion any Cardmember has in anyway breached these Terms & Conditions, or
  2. • In its opinion any Cardmember’s conduct of account is in a manner inconsistent with the object and the intent of Dubai First Rewards.
  • The Bank may at its discretion cancel all DDs, which have been accrued on the Card Account if the Card Account is suspended or excluded from participation in Dubai First Rewards program.
  • Unless the Bank hears from the Cardmember within 15 days from receipt of the monthly Statement of Account, the DD details for the Card Account are considered correct.
  • The Bank will from time to time issue a Rewards Catalogue which will set out the number of DDs required to exchange for a specific goods and/or services.
  • The Bank may at any time at its discretion suspend or terminate Dubai First Rewards by giving a written notice to a Cardmember in advance. If The Bank terminates Dubai First Rewards, then it may specify the period after that termination point within which a Cardmember may redeem outstanding DDs. At the end of that period, remaining DDs will be null and void. No entitlement will accrue in respect of any use of a Card made after the termination of Dubai First Rewards or during any period of suspension of Dubai First Rewards. Suspension or termination notification will be communicated to Cardmembers through mail to the address to which Statements of Account are sent and posted at all branches.
  • The Bank reserves the right to vary or cancel any benefits or features of Dubai First Rewards without notice.
  • The Bank shall be entitled to have an agent or contractor to undertake fulfilment of all or part of Dubai First Rewards on its behalf. The Cardmember consents to the Bank supplying any such agent or contractor with such information as is required by them to perform their duties.
  • Program Validity: Dubai First Rewards program is an evergreen program without any expiry. However the Bank reserves the right to limit the validity of the Rewards program at any point as it deems fit by providing an advance notice to the Cardmembers.

These terms and conditions apply as of 10th September 2015 and supersede all previous versions thereof.

Dubai Mementos

  • Dubai Mementos (DM) is offered to Dubai Moments Platinum and Titanium Primary Card members as part of Dubai First Rewards Program. No special enrolment or fee is required, although the Bank reserves the right to introduce an enrolment fee at a later date
  • Eligible Card members will be awarded Dubai Memento/s (”DM”) for every 1 UAE Dirham  spend  by the Card member from the respective Card Account for purchase of select good(s) and service(s), as follows:
Spend Category Dubai Moments Titanium Card Dubai Moments Platinum card
Domestic spends 1 1
Dubai spends 1.5 2
Overseas spends 2 2

 

  • The Bank reserves the right to change at any time and without prior notice the ratio between the following:
  1. • The number of DM to be awarded;
  2. • Value of the DMs awarded to Card member’s Account;
  3. • to change the ratio of DMs awarded for selected Transactions, and;
  4. • to change the eligibility of Transactions for earning DM.
  • Transactions that are eligible for DMs will be all retail transactions.
  • The Bank may, at its sole and absolute discretion and without prior notice to the Cardholder vary the transactions that are eligible for DMs (which shall be conclusive and binding on the Cardholder).
  • The following transactions are not eligible for DMs:
  1. • purchases made using the Card that are subsequently cancelled, refunded or credited to the Card Account;
  2. • utility bill payments;
  3. • government charges;
  4. • any transaction that the Bank deems at its sole and absolute discretion as under dispute, erroneous, unauthorised, illegal and/or fraudulent;
  5. • Cash Advances including purchase of traveller cheques, casino chip purchases etc;
  6. • Loan on Phone, Balance Transfer or Quick Cash
  7. • all charges and fees billed to Card Account
  • The Bank may amend the above list of transactions eligible for DMs from time to time at its discretion. Dubai First’s decision as to what constitutes an eligible transaction for the earning of DMs shall be final and conclusive.
  • DMs accrue in the Primary Card member’s account, but may be earned through Supplementary Card usage as well. DMs awarded to the Card Members will be shown in the Card member’s monthly statement and will be redeemable in the manner as set out in the Rewards Catalogue and valid for redemption against the items as per the latest Rewards Catalogue (available over the website www.dubaifirst.com) and are only redeemable by the Card member if the Card Account is operating (not cancelled or terminated) and current (no past due balances).
  • The Card member can redeem the DMs issued at any time subject to the terms and conditions mentioned herein. However Dubai first reserves its right to be exercised at any time, without prior notice to Card member, to apply time limitation on the validity of the DMs earned by the Card members and credited to the Card Account.
  • Any request placed for the redemption of DMs against the items available in the Rewards Catalogue is subject to Dubai First’s approval, the availability of the items at the time of placing the redemption request by the Card member as well as any restriction applied by the suppliers of the item selected. The Bank may without prior notice to the Card Member withdraw or substitute any items selected item with any other item in the rewards catalogue of comparable value or nature.
  • Card members in good standing should redeem their outstanding DMs prior to their request for cancellation of the Card Account.
  • The Bank reserves the right to suspend or exclude any Card member from participating or continuing to participate in Dubai Mementos, if
  1. • In its opinion any Cardmember has in anyway breached these Terms & Conditions, or
  2. • In its opinion any Cardmember ’s conduct of account is in a manner inconsistent with the object and the intent of Dubai Mementos Terms and conditions
  • The Bank may at its discretion cancel all DMs, which have been accrued on the Card Account if the Card Account is suspended or excluded from participating in Dubai Mementos program.
  • Unless The Bank hears from the Cardmember within 15 days from receipt of the monthly Statement of Account, the DM details for the Card Account are considered correct. The Bank will from time to time issue a Rewards Catalogue and will be publi8shed in the company website (www.dubaifirst.com)which will set out the number of DMs required to exchange for a specific goods and/or services.
  • The Bank may at any time at its discretion suspend or terminate Dubai Mementos program by giving a notice in the form of SMS or email to the Cardmember ’s contact details available with the Bank. If the Bank terminates Dubai Mementos program, then it may specify the period after that termination point within which a Cardmember may redeem outstanding DMs. At the end of that period, remaining DMs will be null and void. No entitlement will accrue in respect of any use of a Card made after the termination of Dubai Mementos program or during any period of suspension of Dubai First Rewards Program. Suspension or termination notification will be communicated to Cardmembers to the address to which Statements of Account are sent and posted at all branches.
  • The Bank reserves the right to vary or cancel any benefits or features of Dubai Mementos without notice.
  • The Bank shall be entitled to have an agent, or contractor (Supplier) on its behalf to undertake fulfilment of all or part of Dubai Mementos accrued to the Card Account. The Cardmember consents to the Bank supplying any such agent or contractor with such information as is required by them to perform their duties.
  • The Bank shall only be responsible for forwarding the Card Members DMs fulfillment request to the Supplier. The Bank is and shall not be considered at any time as the Supplier of the items available in the Rewards Catalogue for the redemption of DMs and its fulfillment.
  • Redemption request once submitted to the Bank cannot be cancelled, revoked or altered by the Card member.
  • Dubai Mementos redeemed upon Card member’s request will not be refunded.
  • The Bank shall not be liable for any loss of profit, savings, contract, revenue, interest or goodwill or any consequential, indirect, incidental, special or punitive loss, damage or expenses or loss of data sustained by the Card member as a result of redeeming the DMs and/or possessing or using the redeemed DMs nor shall the Bank be responsible or held liable for any amount payable by the card member to any third party arising out of the fulfillment of DMs or any  negligence, breach of statutory or other duty on the part of the Bank and/or the Supplier.
  • The Bank gives no warranty whatsoever(whether expressed or implied) and undertakes no liability I respect of the quality of items in the Rewards Catalogue for fulfillment of DMs or their suitability or fitness for any purpose.
  • DMs earned on a particular transaction have a validity period of 36 months from the date on which the DMs have been earned.
  • The Bank reserves the right to limit or modify the validity of the Dubai Mementos at any point as it deems fit , with or without notice to the Card member which will be published in our website from time to time.
  • The Bank will not be liable for any delays or disruptions of the DM fulfillment or crediting of any accrued DMs due to any Force Majeure event including but not limited to system failure, fire, war, earthquake etc. or any act of nature or other causes of like character beyond the control of the Bank or any of the Suppliers.

These terms and conditions supersede all previous versions thereof and will be in effect from 05th Nov 2019

Dubai First Cash Back Scheme

  • Cash back is offered to Titanium Life/Dubai First Cash Back Card, Emirati Card, Dubai First Classic MasterCard and Gold MasterCard credit cardholders. No special enrolment or fees are required, although the Bank reserves the right to introduce an enrolment fee at a later date.
  • The term cash back credit cardholders wherever used in these terms and conditions shall mean to include Titanium Life/Dubai First Cash Back Card, Emirati Card, Dubai First Classic MasterCard and Gold MasterCard.

Cash back credit cardholder shall be eligible for cash back subject to these terms and conditions.

The following Terms and conditions shall be applicable to Dubai First Cash Back Program. Kindly note that the Terms and conditions stated herein form an integral part of the General Terms and Conditions of Dubai First Credit Card and should be read in addition to the same. You shall be deemed to have accepted all Terms and Conditions contained herein upon signing or activating and/ or using the Dubai First Credit Card.

A.DEFINITIONS

Any term referenced in the below Terms and Conditions, but not defined herein would be interpreted in accordance with Dubai First Credit Card- General Terms and Conditions.

  • Dubai First Cash Back Program/Program refers to the Cash Back reward loyalty program offered the Bank to its eligible Card members for retail purchases on their Credit Card.
  • Cash Back Amount means the Amount that Card members can earn to redeem against Cash Back for all eligible transactions on their eligible Dubai First Credit Card as determined by the Bank from time to time.
  • Domestic Spends means any eligible retail spends done within the UAE
  • International Spends means any eligible retail spends done outside the UAE in any currency other than in UAE Dirhams.

B.CASH BACK FEATURE

  • Cash Back is a cash denominated loyalty reward accrued vide transactions performed on the cash back credit card, that are categorized as eligible by the Bank from time to time.
  • The Bank may impose and/or vary the fee and charges applicable to the Program at its sole discretion from time to time.
  • Cash Back Amount accumulated under the Card member’s Credit Card Account will be valid for redemption against equivalent Cash only in Dirham’s (AED) which will be awarded to the Card member through a credit transaction to his /her  card upon his/her request for redemption. No cheques or cash will be issued by the Bank as part of this Program.

C.ELIGIBILITY

  • In order for a Card member to benefit from Dubai  First Cash Back  Program, his/her applicable Credit Cards must be valid and in good standing as per the criteria and standards applied by the Bank from time to time, including:
  1. • Any primary and supplementary card(s) that are issued to the Card member
  2. • All other services availed with the Bank, including loans.
  • The Bank would specify a minimum amount, which shall govern the eligibility for the redemption of Cash Back for a particular Cash Back credit card member.
  • The accumulation of Cash Back from the amount spent may vary across the type of cards during a particular month.
  • Dubai First cash back Program allows the Cash Back card member to be eligible for Cash Back on retail purchase and transactions incurred. However, a particular transaction shall not be deemed to be termed as an eligible cash back transaction, if the same is accrued as a result of the following:
  1. • All/Any penalty fees
  2. • Annual fees, membership fees or renewal fees
  3. • Balance transfer
  4. • Loan on phone
  5. • Dial a cheque at 0% Interest
  6. • Retail Transactions converted into 0% interest Easy Purchase Plan
  7. • Easy Purchase plan enrollment fee (if charged)
  8. • Retail spends made under the categories defined as “Utilities” and “Government services” as defined by Visa/MasterCard.
  9. • Transactions made at exchange houses
  10. • Finance charges
  11. • Cash and quasi cash transactions
  12. • Transactions reversed by Merchants
  13. • All /Any other fees and charges that are levied by the Bank and or specified as ineligible transactions by the Bank at its sole discretion.
  • To qualify for a Cash Back accrual, the Cash Back credit card member’s minimum monthly spend should be as under:
  1. • Classic MasterCard- AED 500
  2. • Dubai First Cash Back Card, Dubai First Titanium Cash Back Card , Dubai First Emirati Card – AED 1
  3. • Dubai First Gold MasterCard- AED 1000  

D.ACCRUAL OF CASH

  • A Cash Back credit card member becomes eligible for a Cash Back as per the promotional schemes offered by the Bank from time to time.
  1. • A Cardholder cannot accrue Cashback for any retail purchase(s) incurred prior to his/her Enrolment Date.
  2. • Cashback accumulated by a Cardholder on the Card cannot be combined or used in conjunction with Cashback of his/her other Cards at the time of redemption or transferred to any other card or customer loyalty program unless otherwise specifically notified by the Bank.
  3. • The Cashback is not transferable by operation of law or otherwise to any other person or entity. The Cashback is an accrual payable solely at the discretion of the Bank; it is not an attachable account balance and neither is it a balance which may be transferred to any other person or entity.
  4. • The accrued Cashback has a monetary value on redemption; it can be redeemed only as a credit to the Primary Card account.
  • The Bank reserves the right to alter, amend and change the Cash Back slabs at any time without prior notification to the Card member.
  • The maximum Cash Back accrual that a Classic MasterCard, Dubai First Cash Back Card, Dubai First Titanium Cash Back Card, Dubai First Emirati Card and Dubai First Gold MasterCard  card members can avail during a particular month shall not exceed AED 1,000.
  • The maximum Cash Back accrual that a Dubai First Cash Back/ Titanium Life credit card member can earn on Dining and Entertainments purchases during a particular month shall not exceed AED 200, Cash Back earned on both categories combined  will be included in and will be subject to the maximum monthly cash back of AED 1,000 per month.
  • The 5% cash back is only applicable on Dubai First Cash Back/ Titanium Life transactions carried out at merchants classified as Restaurant and Entertainment (including Motion Picture Theaters) merchants by MasterCard.
  • The Bank is not responsible if a transaction does not get captured under the appropriate merchant category code.
  • The Cash Back earned by a supplementary Card member will accrue to the account of the primary Card member.

E.CASH BACK ON INTERNATIONAL TRANSACTIONS

  • Cash back will be awarded to a Cash Back cardmember on International transactions fulfilling minimum monthly spend criteria as specified by the Bank from time to time. The said bonus Cash Back will be calculated based on the transactions billed to the credit card statement for a particular billing month.
  • The Bank shall also award additional cash back at its discretion, the inception and commencement of which shall be intimated by prior notification to the Cash Back credit cardmembers vide accepted modes of communication that shall be decided by the Bank from time to time.
  • Any variation, alteration, modification, and/or amendment to the terms and conditions shall be published on the Dubai First website: www.dubaifirst.com/cashback and shall supersede the earlier terms and conditions communicated to the “Cardholder”
  • The offers listed on the website, www.dubaifirst.com/cashback will be the valid offers at any point in time during the promo period. These offers may keep on changing during the offer period and for an updated list of all offers, customers should visit the website www. dubaifirst.com/cashback before deciding to avail the relevant benefit. The Bank shall not be liable for honoring any discount/benefit in case the offer no longer exists on the website.

F.REDEMPTION

  • The Cash Back credit card member should accrue a minimum Cash Back of AED 100 at any point in time to be eligible for Cash Back redemption.
  • A cash back credit card member can redeem the Cash Back at any time by lodging a request at the phone banking services (+9714 506 8888).
  • The Bank does not specify a particular amount which can be redeemed as cash back. However, the Cash Back credit card member should have a minimum of AED 100 in his cash back purse to be eligible for the initial and any successive redemption.
  • The cashback will be credited to the Primary Card Account within 10 working days of receipt of the redemption request from the Primary Cardholder.
  • On redemption, Cash Back Amount balance will automatically be subtracted from the Cash Back Amount accumulated in the Card member’s Dubai First Credit Card Account.
  • All redeemed Cash Back points shall be deemed as a payment made by the Bank to the cash back credit cardmember. However, such payment is made exclusively as part of the Cash Back Program offered by the Bank in accordance with these terms and conditions, and the same does not in any way create a monetary liability or obligation on the Bank in that regard.
  • Any request placed for the redemption of Cash Back Amount is subject to the Bank’s approval of the redemption requested by the Card member, as well as any Dubai First Cash Back Terms & Conditions restrictions applied by the Bank for the redeemed Cash Back Amount.
  • The Card member will not be able to cancel any redemption request once placed nor can this be reconverted back to Cash Back points accrued.
  • In the event of  the Cash Back credit card member ‘not falling within the eligibility criteria stipulated by the Bank in respect of  transactions during a particular month, then the Cash Back credit card member cannot claim for Cash Back redemption in respect of that month.
  • The Card member’s  Cash Back Amount accumulated will be cancelled if the Cardmember’s eligible Credit Card account:
  1. • is Closed; or
  2. • is not in good standing(not maintaining good credit history) in the opinion of the Bank
  3. • in the event of death of the Card member
  4. • A breach of the Dubai First Credit Card – General Terms and conditions has occurred; or
  5. • Any other event, which, in the sole discretion of the Bank may result in the cancellation of the Dubai First Cash Back Amount.
  • The bank may, at its sole discretion and without prior notice to the Card member, add to, amend or remove list eligibility criteria which shall be final and conclusive.
  • The Cash Back accumulated is valid for a period of 24 months from the date of accrual. The Cash Back so accrued will have to be redeemed within the first 24 months of such accrual. In case the cash back credit card member does not redeem the Cash Back so accrued, the cash back accrued so far shall expire and the Bank reserves the right to retrieve such monies without prior notification to the Cash Back credit card member.
  • The amounts accrued/redeemed by way of Cash Back shall be narrated in the statement of account for a particular billing month (during which time the Cash Back credit card member may have availed of the cash back Program).
  • The books and records of the Bank shall be conclusive evidence in respect of the number of Cash Back Amount registered and credited to the Card member’s Dubai First Credit Card account.
  • In the event the Primary Card account is voluntarily closed by the Primary Cardholder, the Cashback accumulated on his/her Card can be redeemed within 30 days of closure, subject to the same being requested in writing, otherwise the same shall automatically lapse and shall stand forfeited. In the event of cancellation of the Card for any other reason, all accumulated Cashback shall stand forfeited. If the Card is blocked or suspended for any reason whatsoever, then the Cashback accumulated shall stand forfeited but may be reinstated, at the sole discretion of the Bank.
  • The Bank’s decision on computation, lapse, cancellation, forfeiture, credit, debit and re-instalment of Cashback shall be final, conclusive and binding on the Cardholder.
  • The Bank may without prior notice to the Card member withdraw or substitute any of the Cash Back Amount for another reward of comparable value or nature.

G.ACCEPTANCE OF TELEPHONIC INSTRUCTIONS

  • The Card member authorizes the Bank to accept telephonic request whenever the Bank receives a telephone call from a person who identifies himself/herself as being the Card member, and answers the identity verification questions successfully.
  • The Card member agrees that the confirmation by the caller of the Card member’s identity, by provision of the personal details required by the Bank, will be sufficient evidence for the Bank to identify the caller and to act upon his/her instructions.
  • The Card member hereby consents to the recording of such telephone calls by the Bank and accepts such recordings as evidence before a court of Law or any other legal proceedings with regards to the Cash Back Program.
  • The Card member authorizes the Bank to accept instructions and/or requests by a letter, internet, IVR, SMS, or any other channel introduced and acceptable to the Bank from time to time.
  • The Card member agrees that the Bank’s records pertaining to the Cash Back program will be final and binding.

H.GENERAL EXCLUSIONS

  • The Cash Back Program that is available on a Cash Back credit card member shall be operated with bonafide intentions and any fraud or misuse/abuse of the Program may result in the nullification of all accrued Cash Back or forfeiture of the said Program to the particular card member. The Bank reserves the right to cancel the credit card in case of such an eventuality of fraud or abuse of the above Program.
  • The Cash Back Program is offered as an additional reward program. The said Program shall be a supplement to the existing General Terms and Conditions of Dubai First credit cards. In case of any dispute with regard to the Cash Back Program and the General Terms and Conditions that govern the usage of Dubai First credit card, then the Terms and Conditions governing such usage shall prevail.
  • All the Cardmember’s accounts must be valid (meaning not cancelled or terminated) and current (meaning there are no past due balances on any of the Card member’s Card accounts) to be eligible for redemption of the Cash back. In the event of any of the Card member’s accounts being blocked/suspended/overdue for any reasons whatsoever or if the Card member breaches these Terms and Conditions, the Bank reserves the right to suspend the operation of the Cash back Program or cancel and nullify all the Cash back accumulated at its sole discretion.
  • The Cash Back facility is not available for transactions intended for business or commercial use or on transactions conducted at establishments owned by the cash back credit card member either wholly or in part, or any other transactions deemed as inappropriate by the Bank from time to time. Any such transactions shall automatically disqualify the cash back credit cardmember from the Cash Back feature and the Bank reserves the right to recover such monies obtained by the Cash Back credit cardmember as a result of the cardmember engaging in such transactions.
  • The Cash Back that is accrued as a result of the transactions shall be redeemed only when the same is billed to a Cash Back credit card member’s monthly statement (the word redemption wherever used has the meaning assigned to it and does not by itself provide/vest any right on the Cash Back credit card member to lodge a claim against The Bank in connection with the said expression).
  • The Cash Back feature cannot be exchanged/swapped/ bartered with any of the rewards/loyalty schemes that the Bank may or might have offered from time to time.
  • The Bank is and will remain entitled, at any time and without any prior notice or liability to the Card member in any manner whatsoever, to terminate the  Cash Back Program and/or cancel and/or vary its benefits or features, and/or vary, add to or delete any of the Terms and Conditions outlined herein, and/or withdraw or change the participants of the Cash Back Program, and/or modify or limit the value and any time limitations on the validity of  Cash Back and/or the manner of their redemption even though any of such acts may diminish the value of the Cash Back Amount already accumulated.
  • The Cash Back Amount earned will not be transferable to any other person or entity.

I.LIMITATION OF LIABILITY

  • The Bank shall not undertake any liability directly or indirectly arising out of or related to (i) the Cash Back Program or card member’s participation in the Cash Back Program; (ii) any failure, delay or decision by the Bank in administering the Cash Back Program or amending these Terms and Conditions or the basis on which card member can redeem Cash Back Amount (iii) unauthorized use of cardmember’s Credit Card; (iv) any offer, representation, statement or claim about the Cash Back Program.
  • The Bank will not be liable for any delay in redemption requests of Cash Back due to any Force Majeure event including but not limited to system failure, fire, war, earthquakes, etc. or any act of nature or other causes of like character beyond the control of the Bank. The Bank would be deemed to have acted in good faith in response to any instruction to the card member in respect of any matter in relation to this program and fulfilment of any redemption request.
  • The Card member shall not be entitled to claim or allege any loss, damage, liability, expense etc. attributable, directly or indirectly to any such good faith action of the the Bank and the Card member shall indemnify and hold the Bank harmless in respect thereof.

These terms and conditions supersede all previous versions thereof and will be in effect from 5 November 2019. 

J.SALES PLAN

In case of early settlement customers have to pay the unbilled interest amount.

For Insurance Terms & Conditions, please click here