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The Smart Traveller credit card comes with SMiles, the best travel rewards program in the UAE. Free flights, free hotel stays, free car rentals - all these can be yours with credit card.
Earning SMiles  |
| Accumulating Smiles is very simple, You earn 1 Smile for every dirham spend on your Smart Traveller credit card. So the more you use your card, the faster your SMiles grow. You can easily track the number of SMiles you have earned though you monthly credit card statement.
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| How to Redeem your SMiles? |
| The SMiles you earn are as good as cash. That means you can use them to pay for free discounted tickets on the airline of your choice, free stays at any hotel or to rent the car you've always wanted to drive.
In case you do not have enough SMiles to cover the cost of your airline ticket or hotel booking, simply pay the balance with your Smart Traveller credit card. For instance, if you have accumulated 40,000 SMiles, you are entitled to reddem the cash equivalent discount of AED 260 on your travel related purchase, through your Personal Travel Assistant.
You can start enchasing your reards once you have accumulated 10,000 SMiles.
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| Don't just collect miles. Collect cash too!
With the Smart Traveller Classic credit card, it actually pays to travel. It is the first credit card in the UAE that gives you 5% cash back on all air tickets booked through your Personal Travel Assistant. That's possibly a larger discount than you would receive from any travel agent!
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| Imagine having someone to take care of all your travel needs, from ticket bookings to hotel reservations and car rentals. The Smart Traveller Credit Card gives you a Personal Travel Assitant who helps you do just that. No matter what your plans are, all you have to do is call +971-4-4266000 and your Personal Travel Assistant will make all the arrangements for you.
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Smart Protection is a comprehensive credit shield that covers the outstanding balance on your Traveller Credit Card in case you are unable to meet your liabilities due to unforeseen and unfortunate events like death, hospitalisation or involuntary loss of employment. You are automatically enrolled for Smart Protection at a nominal monthly charge of only 0.89% of your monthly outstanding balance. In case you do not wish to be covered by Smart Protection, please call us on +971-4-4266000 to cancel your enrollment.
| Cover Provided |
Cover Limits |
| Death Cover |
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100% of your credit card outstanding or credit limit, whichever is lower, subject to a maximum of AED 100,000 |
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| Permanent Total Disablement |
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100% of your credit card outstanding or credit limit, whichever is lower, subject to a maximum of AED 100,000 |
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| Loss of Employment |
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10% of the outstanding as on the date of the event, subject to a maximum of AED 4,000 for every month up to a maximum of 12 months. |
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Terms & conditions apply. For more information call Phone Banking on +971-4-4266000 Important: Specific policy terms and conditions apply for all insurance covers.
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| Life Assure |
LifeAssure is an innovative life insurance policy that protects you and your family against unforeseen and unfortunate events, all for a very nominal premium charged directly to your Smart Traveller Credit Card in easy monthly installments. LifeAssure is available in four different packages to suit every budget and need. To enroll for LifeAssure, call us on +971-4-4266000.
| Benefits |
Standard |
Plus |
Premium |
Prestige |
| Death due to Natural Causes |
AED 25,000 |
AED 50,000 |
AED 100,000 |
AED 200,000 |
| Death due to Accident |
AED 100,000 |
AED 200,000 |
AED 300,000 |
AED 500,000 |
| Accidental Hospitalisation Expenses |
AED 5,000 |
AED 10,000 |
AED 15,000 |
AED 35,000 |
| Monthly Premium |
AED 25 |
AED 40 |
AED 70 |
AED 150 |
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The LifeAssure policy is fully underwritten by Oman Insurance Company, as per the terms & conditions booklet accompanying the LifeAssure Policy Certificate. The Bank is performing the role of an intermediary on behalf of Oman Insurance Company and accepts no liability for any claims made in relation to this policy. This LifeAssure policy is valid only in conjunction with the LifeAssure Policy Certificate.
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| Home Assure |
| HomeAssure is a comprehensive, yet affordable insurance plan to protect all the valuables in your home from theft or accidental damage.
Unlike most other home insurance policies, the HomeAssure cover includes your family's precious jewelry; in addition HomeAssure also covers you in the unfortunate event of loss of accommodation. With premiums starting at just AED 49 a month, HomeAssure is the best way to protect your home.
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| Smart Convenience |
| With your Traveller Credit Card, you get the added convenience of being able to pay your Etisalat, DEWA, SEWA and ADWEA bills as well as your children's school fees on the phone. To pay, simply call +971-4-4266000 and follow the easy pre-recorded instructions. What's more, you can choose to pay your children's school fees in 6, 12, 18 or 24 monthly installments with our Smart Payment Plan.
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| Smart Cash |
| Need a loan in a hurry? With the Traveller Credit Card, you can get a loan quickly without the inconvenience of any paperwork and a tiresome approval process*. Simply call us on +971-4-4266000 and we'll approve your Smart Cash request on the phone. Once approved, your draft will be mailed to you within 3 working days. You can choose to repay your Smart Cash loan in 6, 12, 18, 24, 30 or 36 easy monthly installments at special interest rates. Your installments will be debited to your monthly credit card bill.
*Terms and conditions apply.
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| Free Supplementary Cards |
| With your Traveller Credit Card, you can get up to two free supplementary cards for your family members over 18 years of age. After all, the best things in life are meant to be shared with the ones you love.
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| Four Year Card Validity |
| Your Traveller Credit Card has a validity of four years. So you don't have to worry about replacing your card every year.
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| Worldwide Acceptance |
| You can use your Traveller Credit Card to pay at over 32 million establishments around the world. What's more, you can also use it to withdraw cash at over 900,000 ATMs worldwide.
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| Smart Monthly Minimum Payment |
| Should you find yourself unable to pay your entire credit card bill by the due date, you can pay as little as 5% of the outstanding balance and revolve the rest at a competitive rate of interest. Of course, if you pay your outstanding balance in full, no interest is charged on your purchases except in the case of cash withdrawals.
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| Smart Payment Deferral |
| We know there are times when you may need a little more time to pay your credit card bill. With Smart Payment Deferral, you have the convenience of postponing your payment by a month.
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| Save with our Balance Transfer Facility |
| If you are carrying a balance on another credit card and paying too much interest on it, in certain cases you may be able to cut your credit card interest charges by up to 50%. Simply transfer the balance to your Traveller Credit Card at an attractive interest rate, valid for 6 months from the date of balance transfer.
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| Smart Draft |
| In the unlikely event that your Traveller Credit Card is not accepted at certain places, you can still use it to make the payment with Smart Draft. Simply call us and we'll send you a draft in the name and amount of your choice and charge it to your credit card.
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