Best Buy Tables - UAE

Credit cards
ProvidEr Commercial Bank of dubai dubai Bank dubai islamic Bank CArds oFFErEd Visa (Classic and Gold), World MasterCard e-Tijari Web Card, INFINITY Visa Covered Cards (Gold, Platinum) Visa Islamic cards (Classic, Gold, Gold Premium and Platinum, Platinum Plus) Charge cards (Classic, Gold, Platinum) Visa Islamic Credit Cards/Mother Brand cards (Classic, Classic Platinum, Gold, Gold Plus, Platinum, Platinum Plus) Skyward Credit Card (Gold, Gold Plus, Platinum, Platinum Plus) Visa (Classic, Gold) MasterCard (Classic, Gold, Platinum, Infinity) Visa (Classic, Gold)) MasterCard (Standard, Titanium) Co-branded card (Gant La Carte, NMC) Visa-Master card (Silver, Gold, Platinum, Titanium) Visa (Classic, Gold, Platinum), MasterCard (Classic, Gold), International Travel card, Egypt Air Visa co-branded card (Extra Credit Card), Cash Back card (Classic, Gold)

By inTErEsT/ProFiT rATE
AnnUAl FEE (AEd) Classic-200, Gold-400, e-Tijari Web Card-100, World MasterCard - 600*, INFINITY - 900*. *(free for first year) Free for life Fixed monthly fee for Visa Islamic cards: Classic-75, Gold150, Gold Premium-300, Platinum/Platinum Plus-500 Annual fee for Charge cards: Classic - 200, Gold - 400, Platinum - free for VIP customers otherwise 1,000 Visa Islamic Credit Cards/Mother Brand cards: Classic - 100, Classic Platinum - 150, Gold - 200, Gold Plus - 250 Platinum - 300, Platinum Plus-350, Skyward Credit Card Gold - 300, Gold Plus - 375, Platinum - 400, Platinum Plus - 450 Free for life Free for first year. Thereafter Classic - 150, Gold - 300, Platinum - 500, Infinity - 1,000 Free for life Silver: free for life; Gold and Titanium - 300, Platinum - 500 Visa Classic - 250, Gold - 350, Platinum - 600 MasterCard Classic - 250, Gold - 350, International Travel card - free for first two years for new customers otherwise free for life , Egypt Air Visa co-branded card - 250, Extra Credit card - free for life, Cash Back card - Classic, Gold - 250 inTErEsT/ProFiT rATEs 2% on purchases, 3% on cash withdrawals and 2.0% for e-Tijari Web Card for both 2.5% on purchases and 3% on cash withdrawals N/A on purchases and AED30 on cash withdrawals inTErEsT/ProFiT FrEE CrEdiT 52 days 51 days 40-45 days ConTACT Toll-free: 800 223 www.cbd.ae Toll-free: 800 5555 www.dubaibank.ae 04 609 2222 www.alislami.ae

UAE

Emirates islamic Bank lloydsTsB noor islamic Bank rAKBAnK sAMBA

N/A on purchases, AED90 on cash withdrawals of AED100 - 3,000 1.99% on purchases and 2.5% for cash withdrawals 2.5% on purchases and AED90 or 3% whichever higher on cash withdrawals 0% interest on retail purchases for first three months, afterthat 2.35% on retail purchases; 2.75% on cash withdrawals 0% on purchases, 3% on cash withdrawals 2.39% on purchases and cash withdrawals with salary transfer otherwise 2.59% on purchases and 3% on cash withdrawals

25 days 50 days 51 days 25 days 21 days

04 316 0234 www.emiratesislamicbank.ae 04 342 2000, www.lloydstsb.ae Toll Free 800-6667 www.noorbank.com 04 213 0000 www.rakbank.ae Toll-free: 800 SAMBA Toll-free: 800 2600 www.unb.co.ae

Union national Bank

55 days

Credit cards
ProvidEr Abu dhabi Commercial Bank American Express CArds oFFErEd Visa (Classic, Gold, Platinum) MasterCard (Standard, Gold, Platinum) Dubai Duty Free (DDF), AMEX Blue, Gold, UAEGold, Gold Rainbow, Charge Cards: Green, Gold, Platinum and Black Centurian Barclaycard (Gold, Titanium, Platinum) British Airways Barclaycard (Priority & Prestige) Emirates-Citibank Credit Cards (Ultima/ Ultimate/ Gold/ Silver) Citi Travel Pass, Citibank Credit Cards (Ultimate/ Gold/ Silver) Visa (Silver, Gold) MasterCard (Classic, Gold) Royale MasterCard AnnUAl FEE (AEd)

By vAlUE AddEd FEATUrEs

vAlUE AddEd ConTACT Classic/Gold: free for life, Platinum - 500 Free supplementary cards, travel insurance, purchase protection for 90 days, credit shield, 24-hour road assistance, balance transfer facility, up to 5% discount on airline tickets purchased with ADCB card, free ticket delivery and Pearls reward programme whereby cardholders receive AED5 for every 1,000 pearls collected. Platinum cardholders receive global emergency service, concierge service and extended warranty of up to 24 months on many retail products. Gold/Blue offers 1% cash back, Dubai Duty Free Card - 10% off items at DDF, Millenium Millionaire special DDF - 175, AMEX Blue -250, AMEX offers, retail protection, online fault protection and airport lounge access, travel insurance and benefits, express Gold-395, UAEGold-395, Gold Rainbow cash and travellers cheques while travelling, emergency cheque cashing and free companion credit card. - AED395, Charge Cards: Green-US$95, Corporate cards, selected cards available in US Dollars. Emergency card replacement and membership rewards Gold-US$175, Platinum-US$750, Black programme. Centurian - up on invitation only. All cards: One reward point for every AED1 spent on card (reward points can be redeemed for movie tickets, airline Prefered option: Visa/Master (Classic tickets, electronics, groceries, etc.), 24/7 roadside assistance, credit shield, travel benefits, free travel insurance, & Gold) free for lifePriority option: Visa (Classic/Gold/Platinum): 300, MasterCard restaurant offers, free movie ticket offers. Priority and prestige cards: Barclays Butler service, double rewards on (Classic/Gold) - 300; Prestige option: Visa weekend spend, free magazine subscription, Barclays Pamper (50% discounts at select spas and salons), free air ticket (Platinum) 550, MasterCard Titanium-300 for AED75,000 spend on card. Unlimited Skywards Miles/Citi Travel Pass points/CitiDollar rewards.Double miles with Miles Accelerator.Upto Emirates-Citibank Credit Cards - 3,000/ 15% airticket discounts.Special offers across UAE and Citibank World Privileges worldwide at over 40,000 1,000/550/300, Citi Travel Pass - 400, establishments.Loans as low as 0.91%. Exclusively for Ultima/Ultimate customers-25000 signup Skywards Citibank Credit Cards - 1,000/ 550/300; 5 Supplementary Cards - Free, (Special Miles(Ultima), free Priority Pass Membership,International Concierge, upto 3 Free nights stay in Marriott promotional rates also apply) Paris/ME&A, Travel insurance for Ultima cardholders. Free travel accident and inconvenience insurance on baggage loss, baggage/flight delay, personal liability, Visa: Silver 200, Gold 400 emergency hospitalisation and assistance. Free life insurance up to AED20,000 to gold card members and MasterCard: Classic 200, Gold 400 AED20,000 to silver card members. Loan on phone up to 80% of credit limit. Free household insurance up to Royale MasterCard Invitation only AED25,000 to gold card members and AED10,000 to silver card members. One year purchase protection, special price of AED100 for UAE-GATE Card, free supplementary cards, photo card for instant recognition and security, up to 80% of your credit limit cash withdrawal, 24-hour contact center, entry to DubaiDinar Millionaire draw, 5% cash back on all air bookings, complimentary travel benefits, utility bill payment service. MasterCard: Can get up to 2.5% cash back with classic cards and up to 4% cash back with gold cards. Silver-100, Gold-150 to 400, Platinum 1% cash back on Silver card, 1.5% on Gold and 2% on Platinum. Diamond cardholders get complimentary golf - 200 to 400, Diamond - 1,500 access at UAES prestigious courses, private beach & health club access to premium clubs across the UAE, discounts at leading resorts, spas, dining and shopping outlets, special discounts at hospitals locally and abroad. Reward points on gold & platinum cards redeemable at various outlets. Exclusive dining and shopping privileges, up to 20% discount on premium health & leisure outlets, travel offers & discounts, complimentary access to Marhaba lounges with a platinum card, access to utility bill payments, up to 4 free supplementary cards. EBi cards: Silver - 150, Gold-400, Platinum EBi cards: Students benefits for meUNI cards, photo-card and signature, discounts and privileges at over 1,600 - 700, Infinite - 1,500, EmiratesDIC-200 outlets, meMILES loyalty programme, free travel insurance up to US$75,000 and assistance services, Intro APR Diners club - 200 - 0% interest rate for 1st three months. Convenient balance transfer at low interest rates, OPTIONS offers easy repayments in 12 to 24 installments at 0.8% per month, free meAutoAssist and meAccount with zero balance, ATM card and cheque book. nBd cards: Classic - 150, Gold - 400, nBd cards: Free supplementary cards, 24-hour roadside assistance, travel inconvenience insurance, credit Platinum - 700, NBD-Dnata MasterCard shield, travel express service. Gold cardholders receive cash advance of up to 75% credit limit. With Dnata - Silver-200, Gold-500, WebShopper cards, reward points worth 1.5% can be earned on all purchases. Points earned can be redeemed for airline MasterCard - 50, Skyward Infinity - 1,500, tickets, yacht cruises, holiday packages or desert safaris. Platinum cardholders receive local concierge service, Platinum - 700 valet parking service at selected malls, discounts at UAE restaurants, complimentary room upgrades at leading hotels, retail discounts, 1% cash back on all retail purchases. Classic, Gold, Etisalat mashreq credit card 5% cash back on all international spends, 0% easy payment plans, International spends Campaign, win 1 million points and Mahreq Millionaire card - No annual everyday, 5% cash back on Utility Bill payments, Grand entertainment Card : 50% off on cinema tickets across all fee, Platinum - 650, Grand entertainment grand cinemas in the uae. Grand prizes: Chance to win a jeanneau luxury boat, a Harley Davidson motorcycle, a trip to card (Titanium) - 300, VIP - 200, Mashreq Universal Studios or 6 day stay at the exclusive lost chambers suite at Atlantis every month. Enjoy up to 50% discount Air Arabia Visa card (Classic - 100, on adventure sports, golf, spas and more. Complimentary airport lounge access at all Marhaba lounges in the UAE Platinum - 200) Classic and Gold are free for life, Platinum 1% interest for balance transfer, photo-card, purchase protection, personal accident and travel insurance, access to Golden class at Abu Dhabi International Airport and Murhaba services in Dubai International Airport, discounts -1,000, nbad@surfer card - 25 for and rewards programmes in many outlets, emergency medical and legal expenses, free road side assistance accountholders, otherwise 50, Dubai E-government Prepaid Card - 50 and credit shield facility, free gifts, NBAD Stars points programme. Dubai E-government Card can be used for government transactions. 0% interest on retail purchases for first three months; 5% cashback on international spends; upto 3% cashback Free for life on domestic spends; win millions on RAKBANK MasterCard; Titanium lifestyle privileges offers from more than 80 premium branded outlets across categories; RAKfeast Dining Discount Programme; special monthly usage offers; Convenience of credit card cheques and attractive balance transfer facility All cards: Free Wild Wadi, Ski Dubai and Cinema; chip card for enhanced security; purchase protection; access to utility bill Free for life payment, smart cash loan. Visa Classic & Gold: dining discounts; reward points redeemable in many outlets. MasterCard Smart Traveler Gold: 10% cashback on travel. Jumbo Card: discounts and extra reward points at all Jumbo stores; easy payment plan 36 equal instalments at 0.99%. NRI card: points redeemable for domestic flights in India, 5% cash back on flights to India, discounts domestically; Al Ameera: dining discounts; reward points redeemable in many outlets. Weekend Card: 2% cashback on all spend Thurs-Sat, 1% all other times; discounts in many outlets; Williams Platinum monthly prize draw to win a weekend at one of the 2009 Grand Prix.

UAE
Toll-free: 800 2030 www.adcb.com Toll-free - 800 4931 www.americanexpress.co.ae

Barclays Bank

Toll-free - 800 22725297 www.barclaycard.ae

Citibank

04-311 4000 www.citibank.ae

dubai First

04 506 8888 www.dubaifirst.com

dunia Finance

Silver, Gold, Platinum, Diamond

04-423 8642 www.dunia.ae

Emirates-nBd

EBi cards: Visa, MasterCard (Silver, Gold), MasterCard Infinite Credit card and MasterCard Platinum for Shaheen customers, Diners club nBd cards: Visa (Classic, Gold, Platinum) MasterCard (Standard, Gold), NBD-Dnata MasterCard (Silver, Gold), WebShopper MasterCard, Skyward (Infinity, Platinum) Visa, MasterCard (Classic, Gold, Platinum), Etisalat mashreq credit card, Mahreq Millionaire card, Grand entertainment card (Titanium), VIP, Mashreq Air Arabia Visa card (Classic, Platinum) Visa, MasterCard (Classic, Gold, Platinum) MasterCard nbad@surfer card, Visa Dubai E-government Prepaid Card Visa (Classic, Gold) MasterCard (Standard, Titanium) Co-branded Cards (NMC, Gant La Carte) Visa (Classic, Gold), MasterCard Smart Traveller (Classic, Gold), MasterCard Al Ameera Ladies Card, MasterCard Jumbo co-branded card, MasterCard Non-resident Indian Card, Platinum MasterCard, RBS Weekend Card & RBS Williams Platinum Card

Toll-free: 600 540000 www.emiratesnbd.com

Mashreqbank

04 424 4444 www.mashreqbank.com

national Bank of Abu dhabi

Toll-free: 800 2211 www.nbad.com

rAKBAnK

04 213 0000 www.rakbank.ae 04 4266000 www.rbsbank.ae

rBs

These tables are compiled using specific criteria widely considered by consumers as important when choosing a specific financial product. Disclaimer: These listings are noT meant as a recommendation of a particular bank/provider; listings are simply in alphabetical order and updated during May 2010. Information contained in these tables is subject to confirmation and is provided for information only. As with all financial decisions, MONEYworks recommends that you make enquiries and, if necessary, take appropriate advice before entering into any transactions. All rates were checked prior to publication and are subject to change without notice. All information contained below is freely available and was obtained directly from bank/provider printed materials and websites, as well as direct from helplines and/or call centres. Please call your chosen provider/bank direct for further information.

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June 2010 I MONEYworks I 57