Al Hilal Bank World Mastercard Credit Card

What makes this card Islamic

Al Hilal Bank builds this card on a Tawarruq contract. The bank sells you a commodity on credit at a marked-up price, you sell that commodity to somebody else for cash, and the cash becomes your spending limit.

Al Hilal Bank's Internal Shariah Supervision Committee issues a 'Shariah Compliance Certificate … For “Covered Credit Card” Based on Tawarruq'. The bank sells a commodity to the customer under a Master Murabaha Agreement, the commodity is sold on spot to a third party for the customer's benefit, and the sale proceeds are deposited into a **special saving account** as security. The customer may use those proceeds only through the credit card. If the balance is not used, the bank invests it and at period end **sets off the Murabaha profit the customer owes against the Mudaraba profit the bank owes on the special saving account**; the bank then, at its sole discretion, waives its right to any excess Murabaha profit and credits any excess Mudaraba profit to the customer.

Approved by Internal Shariah Supervision Committee, under the supervision of Central Bank of the UAE (and the Securities and Commodities Authority under licence 601035, for promotion activity).

What it costs

Every figure below comes from Al Hilal Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

AED 787.50Waived subject to achievement of minimum spend of AED 60,000 in the previous 12 months.source

Supplementary card

AED 105Up to 3 supplementary cards free; AED 105 from the 4th card onwards.source

Profit rate

3.69% a month on the outstanding balanceThe Schedule of Fees expresses this card's rates in terms of MIGRATED ETIHAD GUEST CARDS: 3.25% per month on retail and cash balances for migrated Etihad Guest cards issued until 31 Dec 2023, and 3.69% per month for those issued on or after 1 Jan 2024. 3.69% is recorded as the current rate. No annualised equivalent is published.source

Cash withdrawal

3.15%. Cash withdrawal limit 60% of the card limit.

Late payment

AED 100'Commitment To Donate Amount', donated to charity under ISSC supervision. Not charged if the minimum amount due is paid by the payment due date. VAT inclusive.

Over limit

AED 0

Foreign currency spend

3.14% on top of the exchange rate

Replacement card

AED 78.75

What you get back

• Joining bonus of AED 500 in TouchPoints for spending AED 10,000 within 60 days of card issuance
• Quarterly bonus of AED 200 in TouchPoints for spending AED 15,000 within a calendar quarter
• 2.9 TouchPoints for every AED 1 spent internationally or on airline tickets
• Up to 2.1 TouchPoints for every AED 1 spent locally in the UAE
• 0.40 TouchPoints on spends across select categories as defined by the bank

Other benefits

• Complimentary access to over 1,200 airport lounges worldwide via the Mastercard Travel Pass app
• Apple Pay, Google Pay, Samsung Pay and Garmin Pay
• Mastercard Priceless benefits
• Up to 3 free supplementary cards

Before you apply

• Al Hilal prices new customers higher than existing ones on the same card: 3.25% a month for cards issued on or before 31 December 2023 and 3.69% a month for cards issued from 1 January 2024.
• The profit-free period is discretionary: the Schedule of Fees says no Murabaha profit is levied on a full settlement 'at the bank's sole discretion'.
• The 3.14% exchange markup also applies to AED transactions performed OUTSIDE the UAE, not just foreign-currency ones.
• Cash withdrawal is limited to 60% of the card limit and costs 3.15%.
• Al Hilal publishes no cap on TouchPoints earning and no conversion rate for TouchPoints on the product page — the value of '2.9 TouchPoints per AED' cannot be assessed from the bank's own page alone.
• The 'select categories' earning only 0.40 TouchPoints are 'as defined by the Bank' and are not enumerated on the product page.
• The AED 787.50 fee is only waived on AED 60,000 of spend in the previous 12 months.

Can you get it?

Other conditions

Al Hilal does not publish a minimum income or age for this card. Minimum amount due 5% of statement balance or AED 100, whichever is higher. 25 days from statement date to payment due date. Maximum profit-free period up to 55 days on retail transactions only. Cash withdrawal limit 60% of the card limit.

Where these figures come from

Last checked against Al Hilal Bank’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “SHARIAH COMPLIANCE CERTIFICATE issued by the Internal Shariah Supervision Committee of Al Hilal Bank For “Covered Credit Card” Based on Tawarruq — Al Hilal Bank credit card Shariah certificate”
• “The bank will set off the Murabaha profit that the customer is supposed to pay to the bank under the Commodity Murabaha and the Mudaraba profit of the special saving account the bank is supposed to pay to the customer. The bank - based on its sole discretion - will waive its right to the excess Murabaha profit if any — Al Hilal Bank credit card Shariah certificate, item 9”
• “No Murabaha profit on retail transactions will be levied if 100% of statement balance is paid in full on or before the payment due date at the bank's sole discretion. — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “Commitment To Donate amount collected will be donated on your behalf to charity under the supervision of the bank's Internal Shariah Supervision Committee. — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “No Commitment To Donate Amount will be charged if the minimum amount due is paid on or before the payment due date. — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “Murabaha Profit will be applicable from the date of transaction till the amount is paid in full. — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “All Charges are inclusive of VAT — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “Annual Fee – 1st Year Free | Annual Fee – 2nd Year Onwards AED 787.50* | *Waived subject to achievement of minimum spend of AED 60,000 in the previous 12 months. — Al Hilal Bank Schedule of Fees V3.7, WORLD MASTERCARD”
• “Murabaha Profit Rate - Retail transactions (fixed rate) - (applicable for migrated Etihad Guest cards issued until 31 Dec 2023) 3.25% | (applicable for migrated Etihad Guest cards which were issued on or after 01 Jan 2024) 3.69% — Al Hilal Bank Schedule of Fees V3.7, WORLD MASTERCARD”
• “Card Replacement/Re-Issuance 78.75 AED — Al Hilal Bank Schedule of Fees V3.7, WORLD MASTERCARD”
• “Enjoy a joining Bonus of AED 500 in TouchPoints when you spend AED 10,000 within 60 days of your new World Mastercard credit card issuance. — Al Hilal Bank World Mastercard product page”
• “Enjoy a quarterly Bonus of AED 200 in TouchPoints when you spend AED 15,000 within a calendar quarter. — Al Hilal Bank World Mastercard product page”
• “Earn 2.9 TouchPoints for every 1 AED spent internationally or on airline tickets. Earn up to 2.1 TouchPoints for 1 AED spent locally within UAE. Earn 0.40 TouchPoints on spends across select categories as defined by the Bank. — Al Hilal Bank World Mastercard product page”
• “Complimentary access to over 1,200 airport lounges across the globe with Mastercard Travel Pass app. — Al Hilal Bank World Mastercard product page”

• Product page
• Schedule of charges
• Terms and conditions