Product Comparison

MurabahaTawarruqPersonal Finance without Salary Transfer
LimitUnlimitedUnlimitedAED – 200,000 for Saudis AED – 150,000 for Expatriates
RepaymentUp-to 60 MonthsUp-to 60 MonthsUp-to 48 Months
Salary/ Non Salary TransferBoth Options are availableBoth Options are availableBoth Options are available
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Purchasing of Readymade PropertiesHome Equity Readymade PropertyPurchasing Incomplete PropertyHome Equity Incomplete PropertyOff Plan Finance
U.A.E NationalsYesYesYesYesYes
Salary TransferYesYesYesYesYes
Non Salary TransferYesYesYesYesYes
BankersYesYesYesYesYes
Minimum Salary with Transfer SAR. 5,000YesYesYesYesYes
Minimum Salary without Transfer SAR. 8,000YesYesYesYesYes
LTV 70%YesYesYesYesYes
Joint ApplicantYesYesYesYesYes
Payment planYesup to 360monthsup to 360 monthsup to 180 monthsup to 240 months
Cash liquidityYesNANAYesNA
From third partyYesYesYesYesYes
ReplacementYesYesYesYesYes
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Classic Credit CardGold Credit CardTitanium Credit CardVisa Platinum Credit CardMasterCard Platinum Credit CardVisa Signature Card
Annual feeAED 200AED 325AED 400AED 500AED 700AED 750
Total annual margin2.33% per month (27.96% per annum)2.33% per month (27.96% per annum)2.25% per month (27% per annum2.15% per month (25.8% per annum)1.95% per month (23.4% per annum1.95% per month (23.4% per annum
Additional card feeFreeFreeFreeFreeFreeFree
Monthly minimum payment5% of the total due or 200, whichever is higher5% of the total due or 200, whichever is higher5% of the total due or 200, whichever is higher5% of the total due or 200, whichever is higher5% of the total due or 200, whichever is higher5% of the total due or 200, whichever is higher
HASSAD reward program1 point for each 20 SAR1 point for each 20 SAR1 point for each 15 SAR1 point for each 10 SAR1 point for each 10 SAR1 point for each 10 SAR
Airport loungesNANAFree access into airport VIP lounges (Fujairahh, Dammam, Jeddah, Cairo, Dubai, Kuwait, Amman)AED 102 for each visit/per person by Priority PassFree access to VIP lounges at more than 600 airports by Priority PassFree access to 500 airport for the cardholder only by presenting the card itself.
Extended warrantyNANANA- Cover up to AED 5,625 per item
- AED 18,750 per year
NA- Cover up to AED 13,125 per item
- AED 75,000 per year
Personal AccidentsNAUp to AED 937,500Up to AED 937,500Up to AED 3,750,000Up to AED 3,750,000Up to AED 1,875,000 on international travel AED 187,500 on domestic travel
Emergency Medical ServicesNAUp to AED 18,750Up to AED 18,750Up to AED 37,500Up to AED 37,500Up to AED 1,875,000
Loss of Baggage/itemNAUp to AED 1,875Up to AED 1,875Up to AED 7,500Up to AED 7,500Up to AED 3,750
Baggage delayNAUp to AED 3,750Up to AED 3,750Up to AED 15,000Up to AED 15,000Up to AED 1,875
Travel delayNAUp to AED 1,875Up to AED 1,875Up to AED 3,750Up to AED 3,750Up to AED 3,750
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