You can apply for an RBS Credit Card by completing an online application form available at www.rbsbank.ae. Upon submission of the form, your application will be processed. You will thereafter be contacted by our agents with regard to the status of the application.

You will receive your RBS Credit Card 15 days from the date of submission of your application. However, this is subject to the completion of all documentation and formalities required by the Bank, as part of the application and approval process.

You can activate your RBS Credit Card by calling our Non-Stop Banking Centre number +971-4-4266000 or by logging-on to the RBS E-Banking website at www.rbsbank.ae. For more details on the step by step process, please refer to the Credit Card carrier which will be sent to you along with the card.

The features and benefits of your RBS Credit Card are all listed in the welcome booklet which will be sent to you along with your card. You can also refer to our website, www.rbsbank.ae or by calling our Non-Stop Banking Centre number +971-4-4266000.

Yes, a customer can apply for more than one Credit Card with us. However, this is subject to the completion of all formalities required by the Bank, as part of the application and approval process.

You can apply for E-Banking services by visiting our website on www.rbsbank.ae or calling our customer service agents on our Non-Stop Banking Centre number +971-4-4266000.

You will receive your E-Banking Kit after 7 working days from the date the Bank issues to you, a reference number for the E-Banking service.

The credit limit on our Credit Cards is assigned in accordance with the Bank's internal risk policy and credit policy and varies from time to time. An increase in the credit limit can be requested after 6 months from the optimum usage of the card and/or an increase in your income. The Bank reserves the right to request proof of an increase in your income.

A cardholder may obtain a cash advance if there is adequate credit on the card. Please refer to our terms and conditions for more details. The Bank charges a service fee's for cash advances and such fee's will be billed in the subsequent statement of a cardholder. For more information, please refer to our schedule of fees and charges, which is available at www.rbsbank.ae.

The Bank charges a service fee's for using the card internationally, such fee's will be billed in the subsequent statement. For more information, please refer to our schedule of fees and charges, which is available at www.rbsbank.ae

Personal identification Number is a unique secure number restricted to one card only, to be used by the customer when making ATM transactions. This number should not be revealed to any one by the customer for security reasons.

You can contact our Non-Stop Banking Centre number +971-4-4266000 and have your PIN re-issued. However, due to security reasons, both the Credit Card and the PIN will be re-issued by the Bank, at a charge. For more details, please refer to our schedule of fees and charges, which is available at www.rbsbank.ae.

You can visit any of our branches and withdraw cash from the bank tellers. Our branches are open from 08:00 AM to 03:00 PM from Saturday to Thursday. Withdrawals from the tellers will be done through a manual authorization for which a proof of identification (such as passport, UAE Id card or labour card) is required. However, this facility is only available at our branches and not at any of our service centers. Cash advance charges shall be applicable.

You can make payments towards your RBS Credit Card through different channels. The following is the list of options provided for your convenience.

•	Free Auto debit Instructions: Auto debit facility allows cardholders to make payments towards their card dues on an automatic basis on the respective payment due dates by debiting their current or savings accounts maintained with the Bank. This offer is limited to customers holding a bank account with RBS
•	Cash Deposit Machines (CDM) by Cash or Cheque - For payments by cheque, please ensure that you deposit the cheque into our CDM at least 5 working days before the payment due date, in order to allow sufficient time for the cheque to clear. If the payment is cleared by your Drawee Bank after the due date, a late payment fee and other bank charges may apply.
•	Instant payment by our Interactive Voice Response (Automated Phone Banking Service) by calling our Non-Stop Banking Centre number +971-4-4266000. This offer is limited to customers holding a bank account with RBS.
•	E-Banking: This offer is limited to customers holding a bank account with RBS.
•	Through UAE Exchange Centre: a nominal fee is applicable (A payment fee may be applicable. Please refer to our schedule of charges)
•	Through EPPCO and ENOC Stations: a nominal fee is applicable (A payment fee may be applicable. Please refer to our schedule of charges)
•	Through Wall Street Exchange Branches: a nominal fee is applicable (A payment fee may be applicable. Please refer to our schedule of charges)
•	Mailing Cheques: Sending payments by mail is at the customer's risk. The Bank shall not be liable for failure to receive, or delays in receiving or clearing, the cheques.

RBS Credit Cards offers you the option of sharing your total credit limit with your supplementary card or the option to go ahead and set a separate spending limit on your supplementary card which allows you to control the usage. Once the Supplementary cardholder reaches the credit limit of his/her supplementary card during a billing period, the limit becomes available for use only after the next statement is generated (i.e. on the date of generation of next statement). The credit limit of a supplementary cardholder is part of the total limit assigned to the primary cardholder.

A supplementary cardholder can accumulate 1 point for every AED 1 spent on the card. However, the redemption of the reward points can only be done by the primary cardholder.

Yes, your RBS Credit Card comes preactivated with a robust insurance plan "Smart Protection" through Oman Insurance. Please refer to the welcome booklet sent to you along with your card for more details and the terms and conditions set out therein. In addition to Smart Protection, you can also apply for other optional insurance facilities such as Life Assure, Home Assure, Fem Assure, and many more. Please visit our website at www.rbsbank.ae for more details.

The amount charged as Smart Protection is 0.89% of the total outstanding charged on the Credit Card. Please refer to our Schedule of Charges, as amended from time to time.

Smart Protection is a credit shield insurance program that insures the payment of the credit outstanding in certain unforeseen events such as the death, permanent total disablement, critical illness or involuntary loss of employment of the primary cardholder or the misuse of the card due to theft. Please refer to the welcome booklet sent to you along with your card for more details and the terms and conditions set out therein. You can also visit our website at www.rbsbank.ae or contact our executives on our Non-Stop Banking Centre number +971-4-4266000 for more details.

Yes, various promotions will be held throughout the year and this will be communicated to you through channels such as our website, SMS alerts, pamphlets, e-mails etc.

Yes, we provide Reward Points on all RBS Credit Cards, except our RBS Williams Platinum card. Cashback is available on the Smart Traveller and Weekend cards only. Please visit www.rbsbank.ae or call +971-4-4266000 for more information with regard to the RBS Reward Programme.

For every AED 1 spent using your RBS Credit Card, you get 1 Smart Point, which can be redeemed at our partner outlets. Please note that the redemption schemes for VISA and Master Credit Cards differ. For more information, you can visit www.rbsbank.ae or call our Non-Stop Phone Banking Centre number
+971-4-4266000.

RBS Reward points are valid for a period of 3 years from the date of transaction and 1 year from date of transaction for Platinum Credit Cards, redeemable on a First-in First-out basis. Please refer to the terms and conditions applicable to the RBS Reward Programme by visiting www.rbsbank.ae or calling our Non-Stop Phone Banking Centre number +971-4-4266000.

You can check your Smart Points balance by calling our Phone Banking at
+971-4-4266000 or at our partner outlets. Your Smart Points balance will also be set out in your monthly Credit Card statement.

The schedule of charges sent to you along with your Credit Card has all the details in regards to your Credit Card charges. For more details, you can also visit our website on www.rbsbank.ae.

The payment due date of your Credit Card is the 20th day from the date of your statement generation. The same information can be found on your Credit Card statement under "Payment Due Date" or can be obtained by calling our Non-Stop Banking Centre number +971-4-4266000.

The billing cycle date can be changed by visiting our branches, calling our Non-Stop Banking Centre number +971-4-4266000 or sending a fax to us on 04-3555684 ONLY after you have made the minimum payment due on your latest Credit Card statement. The billing cycle change is, however, subject to availability of dates and slots. As a result of change of billing cycle, the customers running an installment plan will be billed with two installments together in the statement subsequent to the billing cycle change, due to an increased cycle period.

In the event you revolve your credit, interest will be charged from the date of purchase until the date of payment and/or statement generation. Cardholders making full payment of the total outstanding balance (as set out in your latest credit card statement) before the payment due date are exempted from interest charges. The waiver of interest charges does not apply to cash withdrawal transactions.

Yes, the Bank charges a service fee for using the card above your credit limit, such charges will be billed in the subsequent statement. Please refer to our schedule of fees and charges available at our web site www.rbsbank.ae for more details.

An E-Statement is your Credit Card statement sent in an electronic format to your e-mail account at the same regular intervals as your Credit Card statement cycle.

If you have an existing Credit Card with us, or if you are applying for a new Credit Card, you can get an E-Statement. You need to have a valid e-mail address to receive the E-Statements. Once you enroll for E-Statements, you will no longer receive your regular paper statements at your mailing address.

All you need to do is call our Non-stop Banking Service at +971-4-4266000 and speak to a Phone Banking executive who will help you enroll for E-Statements. You will need to complete an enrollment form and fax the same back to Phone banking.

The E-Statements will be sent to your e-mail account on a monthly basis, which is the same frequency as the regular Credit Card statement cycle.

If your cards have the same billing date, you will receive both statements as attachments to a single e-mail from the Bank. If, however, your cards have different billing dates, then you will receive separate e-mails at the respective billing dates.

E-Statements will replace the existing paper statements. You will no longer receive paper statements.

The E-Statement will not be delivered to your e-mail account. You are requested to ensure that there is ample space in your e-mail account to receive E-Statements. If required, after creating space in your e-mail account, you can request the Bank to re-send the E-Statements that previously failed to be delivered to your e-mail account.

E-Statements will be in PDF format.

The E-Statements are 128-bit encryption enabled. The E-Statements are sent only to the e-mail ID that you have registered with the Bank. In addition, the following features have been incorporated to ensure your privacy and security:

•	The E-Statements only have your first name and no address. In addition, only the first 4 and last 4 digits of your Credit Card Number are visible to ensure privacy.
•	The E-Statement attachment (.pdf) is password protected and the password is your 16 digit Credit Card number. Unless the correct password (Credit Card number) is provided, the file will not display any contents.
•	You will need to ensure the privacy and safety of your e-mail address and not disclose the password to any third parties. The Bank is not liable for any direct, indirect, special, incidental or consequential loss or damage which may arise in respect of this disclosure and/or due to delivery and/or mail over quota and/or provision of this E-Statement Service using the e-mail address (es) provided by you.

This means that you do not have Acrobat Reader program installed on your PC.

This means that the card number provided by you is incorrect or does not pertain to this E-Statement. If you have more than one card, please ensure that you are providing the correct card number. The card number has 16 digits and has to be entered without any spaces.

To help you identify this, the attachment will be named according to the relevant card. For example If you have a Classic Smart card, the statement name will reflect this, as follows: "E-Statement - Gold Smart 38983290 (Mar,2010)". The "Mar 2010" denotes the month for which the statement pertains to.

All you need to do is call our Non-stop Banking Service at +971-4-4266000 and speak to a Phone Banking executive who will help you unsubscribe to the service or update your e-mail address. Once you have unsubscribed to the service, you will start receiving paper statements at your next statement cycle date.