Al Islami Credit Cards are Sharia-compliant credit cards that combine modern-day convenience with worldwide acceptance and lots of special privileges. These cards conform fully to Islamic Sharia laws and free from Riba or interest and any other kind of un-Islamic charges.
The Al Islami Infinite Credit Card is for those discerning few who can take full advantage of the exclusive benefits only these cards can provide. This is the ultimate tool in personal finance management and utility and will be the perfect supplement to your high level of income.
Features of Al Islami Infinite Credit Cards
- Over 100 specialist concierges are available to you on the other end of a 24 hour toll-free number, waiting to assist you in any way they can providing professional and top-of-the-line service at your request. The International Concierge Service will arrange everything for you – from exclusive hotel or restaurant reservations to plumbing and electrical services. Experts manning the phones have ground-level local knowledge at least 400 cities in 120 countries, ensuring you get the best deals and the best service. All for free.
- The Al Islami Infinite Credit Card grants you access to Ticket Exchange - a facility through which you can purchase tickets to the most exclusive events around the world. Some tickets can be hard to come by, because of the high demand and exclusivity – at times being sold out almost immediately. But with this service running 7-days a week, tickets can be acquired and delivered to you anywhere in the world.
- Free access to over 600 exclusive airport lounges in 300 cities in over 100 countries are all freely accessible with the Al Islami Infinite Credit Card, ensuring that you don’t have to wait in long annoying queues and that you make the best use of your time. Airport lounge access means that you get complimentary snacks and beverages, in addition to free internet access at many locations.
- Comprehensive free Full Multi-Trip Travel Insurance protects you and those travelling with you for up to 90 days while travelling. Medical expenses are reimbursed up to US$ 2 million. Emergency medical, evacuation or repatriation expenses up to US$ 1 million can be claimed. Personal accident cover and personal liability cover are also at US$ 1 million. Family members and up to 3 colleagues travelling with you are covered.
- In case of medical emergencies, you can contact the International SOS by phone and they will provide immediate medical advice. You can also avail the same service referral for contact details of professional specialist services like lawyers, interpreters, hospitals, etc.
- Access is unlocked to the Marhaba lounge at Dubai International Airport for free for card members with a 50% discount to your guests. The Marhaba ‘Meet & Greet’ service is also available for free as an option. The Al Islami Travel Desk – which offers many services from ticket booking to offering assured discounts, will be available to Al Islami Infinite Credit Card holders. You will not have to pay any agency charges on tickets booked for any airline, and can have these tickets home delivered for free. You can also ride to the airport in style in a chauffeur driven vehicle.
- This card unlocks Visa Premium Services which give you benefits from golf clubs, spas, gyms, sky-diving and hot air ballooning organizations, and even shark diving!
- Al Islami Infinite Card holders are eligible for extended warranties for 12 months on their purchases over and above manufacturer warranties. These entitle you for claims of US$ 1,500 per item or US$ 3,000 per incident; excess US$ 100.
- Purchase Protection is automatically enabled on all goods purchased with your Al Islami Infinite Credit Card covering them for up to US$ 1,500 per item or US$ 3,000 per incident – from theft or accidental damage.
- In case your card is lost and you need to make a purchase immediately, a simple phone call will enable Emergency Merchant Authorization which will authorize and enable payment on the spot.
- If you’re ever stranded in the middle of the desert locked out of your car with an empty fuel tank, a drained battery and a flat tyre, the Road-side Assistance program will provide you with the service necessary to fix these problems absolutely free of charge. Your Al Islami Infinite Credit Card makes you automatically eligible for free towing, vehicle servicing, battery boost, flat tyre fixing, lockout service and fuel assistance 24 hours a day, 7 days a week. Free inter-Emirate towing and a free international driving license in addition to off-road pull outs are also available.
- Emergency Card and Cash (up to US$ 2,000) can be delivered to you within 24 hours.
- For only 0.39% of your outstanding amount on your card, Credit Shield Takaful will insure you against involuntary loss of employment (max coverage of AED 30,000), Permanent Total Disability (max coverage AED 200,000) and even death (max coverage AED 200,000). This is in compliance with the Sharia Principles of Family Takaful.
Fees and charges:
|Annual Primary Card Fee||AED 500|
|Monthly Subscription Fee of Primary Card||AED 1000|
|Credit Shield Takaful||0.39% of the outstanding amount|
|Late Payment Penalty||AED 175|
|Cash Withdrawal Fee (per transaction)||AED 90|
|Max limit for cash withdrawal||AED 3,000|
|Payment due from statement date||20 days|
|Cash Advance Limit||80% of Credit Limit|
It should also be noted that foreign currency (non-AED) transactions will be charged at 1.95%, excluding charges applied by Visa International. All fees, charges and privilege offers are subject to change.