Smart credit card features
Smart Rewards
Smart Rewards is the only loyalty programme that lets you redeem your Smart Points for the cash value they carry. All you have to do is:
- Visit our partner outlets.
- Use the smart terminal to check the cash value of the points you have.
- Redeem them either as full or part-payment on the product or service you choose.
For example, if you have accumulated 20,000 Smart Points, you can get a gift worth AED 130 free from any of our Partner Outlets. If the gift you prefer costs AED 150, you can get your points adjusted and pay the difference of AED 20 with your credit card. You can start redeeming your Smart Points as soon as you have accumulated 10,000 points. Your Smart Points are valid for a period of 3 years from the time the points have been credited.
Smart Entertainment Privileges
We take you to Wild Wadi Water Park and Ski Dubai Read more
The Bank brings you the convenience of enjoying free evenings at Wild Wadi Water Park and Ski Dubai. All you have to do is spend AED 200 or more on your Credit Card every month to book your free entry at the location of your choice. So don't forget to call us on 04-366-2242 and book your tickets in advance to have a memorable outing. Our lines are open from 9:00 am to 6:00 pm, Saturday to Thursday.
Terms of admittance to Wild Wadi Water Park
- The cardholder and a child under the age of 12 are eligible
- The client should be carrying the following documents:
- Original Credit Card/Supplementary Card
- Photo Id of the cardholder (original and supp card)
- Passport copy/proof of age of children accompanying parents
- Booking reference number
- Entry on prior reservation with a booking number.
- Our reservation lines are open Saturday to Thursday, from 9:00 am to 6:00 pm. This offer is valid only on a specific date and time every month previously arranged by the bank.
- This offer is for a limited period and can be withdrawn or modified at any time, at Bank's discretion.
- No outside food and beverage items will be permitted inside the water park.
- Free entry available exclusively to customers who have spent AED 200 or more in the previous month.
- Discounted tickets are available for customer's friends and family at the door, only while using credit cards for payment.
Ski Dubai- Dubai: Mall of the Emirates Read more
Terms of admittance to Ski Dubai Snow Park
- Entry to Snow Park restricted to Fridays.
- Entry strictly based on prior reservation with booking number.
- Reservation lines are open from Saturday to Thursday from 9:00 am to 6:00 pm.
- Tickets should be collected at 3:00 pm from the venue on the day of the promotion or will be cancelled.
- Cardholders must present a valid Credit Card and photo ID to enter.
- Children must be accompanied by the cardholder.
- Passes can only be used on the day they are issued and cannot be resold.
- Children under the age of 3 are not allowed in under any circumstance
- Cardholders and guests can use the facilities at their own risk and the Bank is not liable for any damage or injuries.
- The client should be carrying the following documents:
- Original Credit Card/Supp Card.
- Photo Id of the cardholder(Original and supp card).
- Passport copy/proof of age of children accompanying parents.
- Booking reference number.
- Ski Dubai's general Terms & Conditions apply which may vary from time to time without prior notice.
LifeAssure
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 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.
Read more
| 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 15 |
AED 30 |
AED 50 |
AED 100 |
|
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
Smart Protection
Smart Protection is a comprehensive credit shield that covers the outstanding balance on your Smart 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.
Read more
BENEFITS
| Cover Provided |
Cover Limits |
| Death Cover |
| • |
100% of your credit card outstanding or credit limit, whichever is lower, subject to a maximum of AED 200,000. |
| • |
Plus a cash benefit equivalent to the above, paid to your family. |
|
| Permanent Tool Disablement |
| • |
100% of your credit card outstanding or credit limit, whichever is lower, subject to a maximum of AED 200,000. |
| • |
Plus a cash benefit equivalent to the above, paid to you. |
|
| Critical Illness |
| • |
100% of your credit card outstanding or credit limit, whichever is lower, subject to a maximum of AED 200,000. |
|
| Loss of Employment |
| • |
Minimum credit card payment for up to 6 months, subject to a maximum of AED 50,000. |
|
| Hospital Cash Benefit |
| • |
AED 200 per day for up to 60 days, in case of hospitalization due to illness or accident. |
|
| Loss of Card |
| • |
 Worldwide cover for lost or stolen card against unauthorized use, subject to a maximum of AED 10,000 during cover period. |
|
|
Important: Specific policy terms and conditions apply for all insurance covers.
Smart Convenience
Pay your utility bills and children's school fees over the phone Read more
With your Smart 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.
Smart Cash
Get a loan on your card with no documentation or paperwork Read more
Need a loan in a hurry? With the Smart 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.
HomeAssure Read more
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 per month, HomeAssure is the best way to protect your home.
Smart Financial Planning
Five great ways to plan your finances
5% Monthly Minimum Payment Read more
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.
Choice of 3 Billing Cycles Read more
Your Smart Credit Card also offers you a choice of three convenient billing dates so that you can plan your finances accordingly.
Smart Payment Deferral Read more
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.
Save with our Balance Transfer Facility Read more
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 Smart Credit Card at an attractive interest rate, valid for 6 months from the date of balance transfer.
Smart Draft Read more
In the unlikely event that your Smart 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.
Additional Credit Card Features
Enjoy a world of additional benefits.
Free Supplementary Cards Read more
With your Smart 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.
Four-year Card Validity Read more
Your Smart Credit Card has a validity of four years. So you don't have to worry about replacing your card every year.
Worldwide Acceptance Read more
You can use your Smart 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.
