SHAFEEQUE MULANHIPPULAKKAL

103 KHALFAN ULTRACASH

MANAMA STREET Statement for your ULTRACASH Covered Card
P O Box : 283645
5395661900XXXXXX
MANAMA STREET
Please visit our website www.ajmanbank.ae for the updated
Tariff of Charges. T&C apply!

For Enquiries call 800 22 (within UAE), +9716 7018484 (outside UAE)

‫ﺗﺎرﻳﺦ ﻛﺸﻒ اﻟﺤﺴﺎب‬ ‫ﺗﺎرﻳﺦ اﻻﺳﺘﺤﻘﺎق‬ (‫ادﻧﻰ دﻓﻌﺔ ﻣﺴﺘﺤﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫إﺟﻤﺎﻟﻲ اﻟﺮﺻﻴﺪ اﻟﻤﺴﺘﺤﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬
Statement Date Payment Due Date Minimum Payment Due (AED) Total Outstanding Due (AED)

10/09/2024 05/10/2024 310.36 6,207.22

(‫إﺟﻤﺎﻟﻲ اﻟﺮﺻﻴﺪ اﻟﻤﺴﺘﺤﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫اﻟﺤﺪ ا ﺟﻤﺎاي )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫اﻟﺼﻴﺪ اﻟﻤﺘﻮﻓﺮ ﻟﻠﺸﺮاء )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫اﻟﺼﻴﺪ اﻟﻤﺘﻮﻓﺮ ﻟﻠﺴﺤﺐ اﻟﻨﻘﺪي )درﻫﻢ إﻣﺎراﺗﻲ‬
Total Outstanding Balance (AED) Total Limit (AED) Available Limit (AED) Available Cash Limit (AED)

6,207.22 6,500.00 292.78 292.78

‫ﺗﺎرﻳﺦ اﻟﻌﻤﺎﻳﺔ‬
‫ﺗﺎرﻳﺦ ﺗﺮﺣﻴﻞ اﻟﻌﻤﻠﻴﺔ‬ ‫ﻣﺮﺟﻊ اﻟﻌﻤﻠﻴﺔ‬ ‫وﺻﻒ اﻟﻌﻤﻠﻴﺔ‬ ‫ﻣﺒﻠﻎ اﻟﻌﻤﻠﻴﺔ‬
Transaction
Posting Date Reference Description Transaction Amount (AED)
Date
Primary Card No.5395661900XXXXXX

28/08/2024 29/08/2024 55104674241104229886288 ADNOC SZR 222 DUBAI ARE 210.02 Dr

27/08/2024 29/08/2024 00000000000105147791115 AL MADINA HMKT DUBAI ARE 24.30 Dr

27/08/2024 29/08/2024 00000000000105147821751 AL MADINA HMKT DUBAI ARE 20.80 Dr

29/08/2024 30/08/2024 55104674242214000985081 ETISALAT DIGITAL APP ABU DHABI ARE 75.00 Dr

03/09/2024 04/09/2024 55104674247078231836099 ADNOC SZR 222 DUBAI ARE 190.10 Dr

07/09/2024 08/09/2024 00000000000000000003809 CARREFOUR-MOE DUBAI ARE 164.08 Dr

09/09/2024 10/09/2024 00000000000425313504392 INTREPID DATA SYSTEMS NAIROBI KEN 5,322.90 Dr

840 1,400.00 Dr

09/09/2024 10/09/2024 55104674253190182121669 EMARAT 6505 JATABIYAH DUBAI ARE 200.02 Dr

10/09/2024 10/09/2024 00SO-000000112261941540 SPECIAL DEPOSIT ACCOUNT PROFIT AND BONUS 141.72 Cr

10/09/2024 10/09/2024 00SO-000000112261941540 MURABAHA FINANCE PAYMENT DUE 141.72 Dr

10/09/2024 10/09/2024 00SO-000000112261942220 CREDIT SHIELD REVERSAL 58.97 Cr

10/09/2024 10/09/2024 00SO-000000112261942220 CREDIT SHIELD 58.97 Dr

10/09/2024 10/09/2024 00SO-000000112261942220 VAT ON CREDIT SHIELD 2.95 Dr

(‫اﻟﺮﺻﻴﺪ اﻟﺴﺎﺑﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫ﺳﺤﺐ ﻧﻘﺪي )درﻫﻢ إﻣﺎراﺗﻲ‬/‫ﺷﺮاء‬ (‫رﺳﻮم ﺧﺪﻣﺎت )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫ اﻟﺮﺻﻴﺪ ا ﻳﺠﺎﺑﻲ )درﻫﻢ إﻣﺎراﺗﻲ‬- ‫اﻟﻤﺪﻓﻮﻋﺎت‬ (‫ﺗﺴﺪد إﺟﻤﺎﻟﻲ اﻟﺮ ﺻﻴﺪ اﻟﻤﺴﺘﺤﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬
Previous Balance (AED) Purchase / Cash withdrawal (AED) Service Charges (AED) Payment / Credit (AED) Total Outstanding Due on (AED)

0.00 6,027.22 58.97 58.97 6,207.22

IMPORTANT NOTE: Please visit www.ajmanbank.ae to view www.ajmanbank.ae ‫ ﻳﺮﺟﻰ زﻳﺎرة‬:‫ﻣﻼﺣﻈﺔ ﻣﻬﻤﺔ‬
updated Fees and Charges .‫ﻟﻼﻃﻼع ﻋﻠﻰ اﻟﺮﺳﻮم واﻟﺘﻜﺎﻟﻴﻒ اﻟﻤﺤﺪﺛﺔ‬

Terms & Conditions apply,

Confirmation on the correctness of this statement as rendered will be assumed if no

notice of disagreement with any of the transaction entry is received by the bank within
(10) days of the date of the statement
Ajman Bank hereby declares that it has been licensed and authorized by the Central Bank ‫ﻳﻌﻠﻦ ﻣﺼﺮف ﻋﺠﻤﺎن ﺑﻤﻮﺟﺐ ﻫﺬا اﻟﺒﻴﺎن أﻧﻪ ﻗﺪ ﺗﻢ ﺗﺮﺧﻴﺼﻪ وﺗﻔﻮﻳﻀﻪ ﻣﻦ ﻗﺒﻞ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي‬
of the UAE to carry out banking business and services. All our products and services are ‫ ﺟﻤﻴﻊ ﻣﻨﺘﺠﺎﺗﻨﺎ وﺧﺪﻣﺎﺗﻨﺎ ﻣﺘﻮاﻓﻘﺔ ﻣﻊ أﺣﻜﺎم‬.‫ا“ﻣﺎراﺗﻲ ﻟﻤﻤﺎرﺳﺔ اŒﻋﻤﺎل واﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ‬
Shari’ah compliant and approved by our Internal Shari’ah Supervision Committee. ‫ ﻟﻠﺤﺼﻮل ﻋﻠﻰ ﺗﻔﺎﺻﻴﻞ ﻋﻦ‬.‫اﻟﺸﺮﻳﻌﺔ ا“ﺳﻼﻣﻴﺔ وﻣﻌﺘﻤﺪة ﻣﻦ ﻟﺠﻨﺔ اﻟﺮﻗﺎﺑﺔ اﻟﺸﺮﻋﻴﺔ اﻟﺪاﺧﻠﻴﺔ‬
For details on approval, kindly visit www.ajmanbank.ae .www.ajmanbank.ae ‫ ﻳﺮﺟﻰ زﻳﺎرة اﻟﻤﻮﻗﻊ‬،‫اﻟﻤﻮاﻓﻘﺔ‬
Page 1 of 4
 SHAFEEQUE MULANHIPPULAKKAL
103 KHALFAN ULTRACASH
MANAMA STREET Statement for your ULTRACASH Covered Card
P O Box : 283645
5395661900XXXXXX
MANAMA STREET
Please visit our website www.ajmanbank.ae for the updated
Tariff of Charges. T&C apply!

For Enquiries call 800 22 (within UAE), +9716 7018484 (outside UAE)

‫ﺗﺎرﻳﺦ ﻛﺸﻒ اﻟﺤﺴﺎب‬ ‫ﺗﺎرﻳﺦ اﻻﺳﺘﺤﻘﺎق‬ (‫ادﻧﻰ دﻓﻌﺔ ﻣﺴﺘﺤﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫إﺟﻤﺎﻟﻲ اﻟﺮﺻﻴﺪ اﻟﻤﺴﺘﺤﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬
Statement Date Payment Due Date Minimum Payment Due (AED) Total Outstanding Due (AED)

10/09/2024 05/10/2024 310.36 6,207.22

(‫إﺟﻤﺎﻟﻲ اﻟﺮﺻﻴﺪ اﻟﻤﺴﺘﺤﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫اﻟﺤﺪ ا ﺟﻤﺎاي )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫اﻟﺼﻴﺪ اﻟﻤﺘﻮﻓﺮ ﻟﻠﺸﺮاء )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫اﻟﺼﻴﺪ اﻟﻤﺘﻮﻓﺮ ﻟﻠﺴﺤﺐ اﻟﻨﻘﺪي )درﻫﻢ إﻣﺎراﺗﻲ‬
Total Outstanding Balance (AED) Total Limit (AED) Available Limit (AED) Available Cash Limit (AED)

6,207.22 6,500.00 292.78 292.78

‫ﺗﺎرﻳﺦ اﻟﻌﻤﺎﻳﺔ‬
‫ﺗﺎرﻳﺦ ﺗﺮﺣﻴﻞ اﻟﻌﻤﻠﻴﺔ‬ ‫ﻣﺮﺟﻊ اﻟﻌﻤﻠﻴﺔ‬ ‫وﺻﻒ اﻟﻌﻤﻠﻴﺔ‬ ‫ﻣﺒﻠﻎ اﻟﻌﻤﻠﻴﺔ‬
Transaction
Posting Date Reference Description Transaction Amount (AED)
Date
10/09/2024 10/09/2024 00SO-000000112261942220 VAT REV ON CREDIT SHIELD REVERSAL 2.95 Cr

(‫ﻣﻠﺨﺺ )اﻟﺘﺮا ﻛﺎش‬

ULTRACASH Back Summary

ULTRACASH Back Earned 94.45 (‫اﻟﻤﺴﺘﺤﻖ )اﻟﺘﺮا ﻛﺎش‬

ULTRACASH Back Redeemed 0 (‫اﻟﻤﺴﺘﺮد )اﻟﺘﺮا ﻛﺎش‬

ULTRACASH Back Adjusted 0 (‫اﻟﻤﻌﺪل )اﻟﺘﺮا ﻛﺎش‬

ULTRACASH Back Closing Balance 94.45 (‫اﻟﺮﺻﻴﺪ اﻟﺨﺘﺎﻣﻲ )اﻟﺘﺮا ﻛﺎش‬

‫ﻟﺳﺘﺮداد ﻳﺮﺟﻰ ﺗﺤﻤﻴﻞ ﺗﻄﺒﻴﻖ ﻣﺼﺮف ﻋﺠﻤﺎن ﻟﻠﻬﺎﺗﻒ اﻟﻤﺤﻤﻮل‬

For redemption please download Ajman Bank Mobile Application

(‫اﻟﺮﺻﻴﺪ اﻟﺴﺎﺑﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫ﺳﺤﺐ ﻧﻘﺪي )درﻫﻢ إﻣﺎراﺗﻲ‬/‫ﺷﺮاء‬ (‫رﺳﻮم ﺧﺪﻣﺎت )درﻫﻢ إﻣﺎراﺗﻲ‬ (‫ اﻟﺮﺻﻴﺪ ا ﻳﺠﺎﺑﻲ )درﻫﻢ إﻣﺎراﺗﻲ‬- ‫اﻟﻤﺪﻓﻮﻋﺎت‬ (‫ﺗﺴﺪد إﺟﻤﺎﻟﻲ اﻟﺮ ﺻﻴﺪ اﻟﻤﺴﺘﺤﻖ )درﻫﻢ إﻣﺎراﺗﻲ‬
Previous Balance (AED) Purchase / Cash withdrawal (AED) Service Charges (AED) Payment / Credit (AED) Total Outstanding Due on (AED)

0.00 6,027.22 58.97 58.97 6,207.22

IMPORTANT NOTE: Please visit www.ajmanbank.ae to view www.ajmanbank.ae ‫ ﻳﺮﺟﻰ زﻳﺎرة‬:‫ﻣﻼﺣﻈﺔ ﻣﻬﻤﺔ‬
updated Fees and Charges .‫ﻟﻼﻃﻼع ﻋﻠﻰ اﻟﺮﺳﻮم واﻟﺘﻜﺎﻟﻴﻒ اﻟﻤﺤﺪﺛﺔ‬

Terms & Conditions apply,

Confirmation on the correctness of this statement as rendered will be assumed if no

notice of disagreement with any of the transaction entry is received by the bank within
(10) days of the date of the statement
Ajman Bank hereby declares that it has been licensed and authorized by the Central Bank ‫ﻳﻌﻠﻦ ﻣﺼﺮف ﻋﺠﻤﺎن ﺑﻤﻮﺟﺐ ﻫﺬا اﻟﺒﻴﺎن أﻧﻪ ﻗﺪ ﺗﻢ ﺗﺮﺧﻴﺼﻪ وﺗﻔﻮﻳﻀﻪ ﻣﻦ ﻗﺒﻞ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي‬
of the UAE to carry out banking business and services. All our products and services are ‫ ﺟﻤﻴﻊ ﻣﻨﺘﺠﺎﺗﻨﺎ وﺧﺪﻣﺎﺗﻨﺎ ﻣﺘﻮاﻓﻘﺔ ﻣﻊ أﺣﻜﺎم‬.‫ا“ﻣﺎراﺗﻲ ﻟﻤﻤﺎرﺳﺔ اŒﻋﻤﺎل واﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ‬
Shari’ah compliant and approved by our Internal Shari’ah Supervision Committee. ‫ ﻟﻠﺤﺼﻮل ﻋﻠﻰ ﺗﻔﺎﺻﻴﻞ ﻋﻦ‬.‫اﻟﺸﺮﻳﻌﺔ ا“ﺳﻼﻣﻴﺔ وﻣﻌﺘﻤﺪة ﻣﻦ ﻟﺠﻨﺔ اﻟﺮﻗﺎﺑﺔ اﻟﺸﺮﻋﻴﺔ اﻟﺪاﺧﻠﻴﺔ‬
For details on approval, kindly visit www.ajmanbank.ae .www.ajmanbank.ae ‫ ﻳﺮﺟﻰ زﻳﺎرة اﻟﻤﻮﻗﻊ‬،‫اﻟﻤﻮاﻓﻘﺔ‬
Page 2 of 4
 Information you should know about your covered card statement

Description of terms used in the statement:

Available Limit: This is the maximum debit balance in the Special Deposit Account ‫ ﻫ ـﻮ ا ﻟ ﺤ ـ ﺪ ا ﻷ ﻗ ﺼ ﻰ ا ﻟ ﻤ ﺴ ﻤ ﻮ ح ﺑ ـ ﻪ ﻟ ﺤ ﺴ ﺎ ب ا ﻟ ﻮ د ﻳ ﻌ ـ ﺔ ا ﻟ ﺨ ﺎ ﺻ ـ ﺔ ﻓ ـ ﻲ‬: ‫ا ﻟ ﺮ ﺻ ﻴ ﺪ ا ﻟ ﻤ ﺘ ﻮ ﻓ ـ ﺮ ﻟ ﻠ ـﺸ ـﺮ ا ء‬
as on the Statement Date. ‫ﺗ ﺎ ر ﻳ ﺦ ﻛ ﺸ ﻒ اﻟﺤ ﺴ ﺎ ب‬
Available Cash Limit: This is the maximum amount of cash that can be withdrawn ‫ ﻫ ـﻮ ﻟﻠ ﺴ ﺤ ﺐ اﻷ ﻗ ﺼ ﻰ ﻟﻠ ﻤ ﺒ ﻠ ﻎ اﻟﻨ ﻘ ﺪ ي اﻟﺬ ي ﻳ ﻤ ﻜ ﻦ ﺳ ﺤ ﺒ ﻪ‬: ‫ا ﻟ ﺮ ﺻ ﻴ ﺪ ا ﻟ ﻤ ﺘ ﻮ ﻓ ـ ﺮ ﻟ ﻠ ﺴ ﺤ ﺐ ا ﻟ ﻨ ﻘ ﺪ ي‬
as on the Statement Date from the Special Deposit Account. . ‫ﻣ ﻦ ﺣ ﺴ ﺎب اﻟﻮ د ﻳﻌ ﺔ اﻟﺨ ﺎﺻ ﺔ ﻛ ﻤ ﺎ ﻓ ﻲ ﺗﺎرﻳﺦ ﻛ ﺸ ﻒ اﻟﺤ ﺴ ﺎب‬

Covered Card: The Covered Card functions on the concept whereby (a) finance is ‫ ﺗ ﻌ ﻤ ـ ﻞ ا ﻟ ﺒ ﻄ ﺎ ﻗ ﺔ ا ﻟ ﻤ ﻐ ﻄ ﺎ ة ﻋ ﻠ ﻰ ا ﻟ ﻤ ﻔ ﻬ ـ ﻮ م ا ﻟ ـ ﺬ ي ﻳ ـﺘ ـﻢ ﺑ ﻤ ﻮ ﺟ ﺒ ـ ﻪ ) أ ( ﺗ ﻘ ـﺪ ﻳ ـﻢ ا ﻟ ﺘ ﻤ ﻮ ﻳ ـ ﻞ‬: ‫ا ﻟ ﺒ ﻄ ﺎ ﻗ ﺔ ا ﻟ ﻤ ﻐ ﻄ ﺎ ة‬
provided to the customer on Murabaha basis and the customer is required to pay ‫ ﻳ ﺘ ﻢ ﺗ ﻨ ﻈ ﻴ ﻢ اﻷ ﻗ ﺴ ﺎ ط اﻟﺸ ﻬ ﺮ ﻳ ﺔ‬. ‫ﻟﻠﻌ ﻤ ﻴـﻞ ﻋ ﻠ ـﻰ أﺳ ـﺎ س اﻟﻤ ﺮ اﺑﺤ ـﺔ و ﻳ ﻄ ﻠ ﺐ ﻣ ﻦ اﻟﻌ ﻤ ﻴ ﻞ اﻟﺪ ﻓ ﻊ ﻋ ﻠ ﻰ أﻗ ﺴ ﺎ ط ﺷ ﻬ ﺮ ﻳ ﺔ‬
in instalments on monthly basis. The monthly instalments are structured to ‫ﻟﺘﻠﻘ ﻲ ﻣ ﻜ ﺴ ﺐ اﻟﺮ ﺑﺢ ﺗ ﺤ ﺖ ﺑﻨ ﺪ اﻟﻤ ﺮ اﺑﺤ ﺔ و ﺗ ﻜ ﻮ ن اﻟﺘ ﻜ ﻠ ﻔ ﺔ ﻣ ﺴ ﺘﺤ ﻘ ﺔ اﻟﺪ ﻓ ﻊ ﻋ ﻨ ﺪ اﻻ ﺳ ﺘ ﺤ ﻘ ﺎ ق و ) ب ( ﻳ ﺘ ﻢ إﻳﺪ اع اﻟﻤ ﺒ ﻠ ﻎ‬
receive profit component under Murabaha and the cost is payable at maturity ‫اﻟﺬ ي ﻳ ﺘ ﻢ ﺗ ﺤ ﻮ ﻳ ﻠ ﻪ ﺗ ﺤ ﺖ اﻟﻤ ﺮ اﺑﺤ ﺔ ﻣ ﻦ ﻗ ﺒ ﻞ اﻟﻌ ﻤ ﻴ ﻞ ﻣ ﻊ اﻟﻤ ﺼ ﺮ ف ﻓ ﻲ ﺣ ﺴ ﺎ ب و د ﻳ ﻌ ﺔ ﺧ ﺎ ﺻ ﺔ ﻋ ﻠ ﻰ إﺳ ﺎس اﻟﻮ ﻛ ﺎ ﻟﺔ‬
and (b) The amount monetized under the Murabaha by customer is . ‫ ﻳ ﺴ ﺤ ﺐ اﻟﻌ ﻤ ﻴ ﻞ اﻟﺮ ﺻ ﻴ ﺪ ﻣ ﻦ ﺣ ﺴ ﺎ ب اﻹ ﻳ ﺪ اع اﻟﺨ ﺎ ﺻ ﺔ‬، ( ‫)ﺣ ﺴ ﺎ ب اﻟﻮ د ﻳ ﻌ ﺔ اﻟﺨ ﺎ ﺻ ﺔ‬
subsequently deposited with the Bank in special deposit account on the basis of
Wakala (Special Deposit Account), customer therefore receives profit on the
balance outstanding in the special deposit account on a monthly basis. Upon
covered card usage customer withdraws balance from the special deposit
account.
Minimum Payment Due: A percentage of the Total Outstanding Due specified in ‫ ﻧ ﺴ ﺒ ﺔ ﻣ ﺌ ﻮ ﻳ ﺔ ﻣ ﻦ إ ﺟ ﻤ ﺎ ﻟ ﻲ ا ﻟ ﻤ ﺒ ﺎ ﻟ ﻎ ا ﻟ ﻤ ﺴ ﺘ ﺤ ﻘ ﺔ ﻓ ﻲ ﺑ ﻴ ﺎ ن ا ﻟ ﺒ ﻄ ﺎ ﻗ ﺔ ا ﻟ ﻤ ﻐ ﻄ ﺎ ة و اﻟ ﻤ ﻄ ﻠ ﻮ ب‬: ‫ا د ﻧ ﻰ د ﻓ ﻌ ﺔ ﻣ ﺴ ﺘ ﺤ ﻘ ﺔ‬
the Covered Card statement which is required to be paid on or before the ‫ أ ي ر ﺻ ﻴ ﺪ ﺳ ﺎ ﺑﻖ ﻳ ﺠ ﺐ أ ن‬. ‫ﺳ ﺪ اد ﻫ ﺎ ﻓ ﻲ أ و ﻗ ﺒ ﻞ ﺗ ﺎ ر ﻳ ﺦ ا ﺳ ﺘ ﺤ ﻘ ﺎ ق ا ﻟ ﺴ ﺪ ا د ﻣ ﻦ أ ﺟ ﻞ ا ﻻ ﺳ ﺘ ﻤ ﺮ ا ر ﻋ ﻠ ﻰ ا ﻟ ﺒ ﻄ ﺎ ﻗ ﺔ ﻧ ﺸ ﻄ ﺔ‬
Payment Due Date in order to keep the card active. Any previous balance shall be . ‫ﻳ ﻜ ﻮ ن ﺟ ﺰ ء ﴽ ﻣ ﻦ اﻟﺤ ﺪ اﻷ د ﻧﻰ اﻟﻤ ﺴ ﺘ ﺤ ﻖ ﻟﻠﺪ ﻓ ﻊ‬
part of the Minimum Payment Due.
Murabaha Finance Payment Due: The amount equal to profit component of the ‫ ﻫ ﻮ اﻟﻤ ﺒ ﻠ ﻎ اﻟﺬ ي ﻳ ﺴ ﺎ و ي اﻟﺮ ﺑﺢ اﻟﻤ ﻜ ﻮ ن ﻟﺴ ﻌ ﺮ اﻟﺒ ﻴ ﻊ اﻟﻤ ﺴ ﺘ ﺤ ﻖ ﺑﻤ ﻮ ﺟ ﺐ‬: ‫د ﻓ ﻌ ﺎ ت اﻟﻤ ﺮ اﺑﺤ ﺔ اﻟﻤ ﺎ ﻟﻴ ﺔ اﻟﻤ ﺴ ﺘ ﺤ ﻘ ﺔ‬
sale price due under Murabaha finance. . ‫ﺗ ﻤ ﻮ ﻳ ﻞ اﻟﻤ ﺮ اﺑﺤ ﺔ‬
Payment Due Date: The date specified in Covered Card statement by which date ‫ ا ﻟ ﺘ ﺎ ر ﻳ ﺦ ا ﻟ ﻤ ﺤ ﺪ د ﻓ ﻲ ﺑ ﻴ ﺎ ن ا ﻟ ﺒ ﻄ ﺎ ﻗ ﺔ ا ﻟ ﻤ ﻐ ﻄ ﺎ ة و اﻟ ﺬ ي ﻳ ﺘ ﻢ ﻓ ﻴ ﻪ ﺳ ﺪ اد ا ﻟ ﻤ ﺒ ﻠ ﻎ ا ﻟ ﻤ ﺴ ﺘ ﺤ ﻖ‬: ‫ﺗ ﺎ ر ﻳ ﺦ ا ﻻ ﺳ ﺘ ﺤ ﻘ ﺎ ق‬
payment of the Total Outstanding Due or any part thereof or the Minimum Payment . ‫اﻹ ﺟ ﻤ ﺎﻟﻲ أو أي ﺟ ﺰ ء ﻣ ﻨﻪ أو اﻟﺤ ﺪ اﻷ د ﻧﻰ اﻟﻤ ﺴ ﺘ ﺤ ﻖ ﻟﻠﺪ ﻓ ﻊ إﻟﻰ اﻟﻤ ﺼ ﺮ ف‬
Due is to be made to the Bank.
Posting Date: The date specified in the card statement when a card transaction is ‫ اﻟﺘ ﺎ رﻳ ﺦ اﻟﻤ ﺤ ﺪ د ﻓ ﻲ ﺑﻴ ﺎن اﻟﺒ ﻄ ﺎ ﻗ ﺔ ﻋ ﻨ ﺪ اﺳ ﺘ ﻼ م ﻣ ﻌ ﺎﻣ ﻠﺔ اﻟﺒ ﻄ ﺎ ﻗ ﺔ ﻣ ﻦ ﻗ ﺒ ﻞ اﻟﻤ ﺼ ﺮ ف و ﻧ ﺸ ﺮ ﻫ ﺎ ﻓ ﻲ‬: ‫ﺗ ﺎ ر ﻳ ﺦ اﻟﻨ ﺸ ﺮ‬
received by the Bank and posted to the card statement. . ‫ﺑﻴ ﺎن اﻟﺒ ﻄ ﺎ ﻗ ﺔ‬
Statement Date: The date specified on which Covered Card statement is ‫ أو إﺗﺎﺣ ﺘ ﻪ‬، ‫ اﻟﺘ ﺎ رﻳ ﺦ اﻟﻤ ﺤ ﺪ د اﻟﺬ ي ﻳ ﺘ ﻢ ﻓ ﻴﻪ إﻧﺸ ﺎء ﺑﻴ ﺎن ﺣ ﺴ ﺎ ب اﻟﺒ ﻄ ﺎ ﻗ ﺔ اﻟﻤ ﻐ ﻄ ﺎ ة و ﻃ ﺒ ﺎ ﻋ ﺘ ﻪ‬: ‫ﺗ ﺎ ر ﻳ ﺦ ﻛ ﺸ ﻒ اﻟﺤ ﺴ ﺎ ب‬
generated and printed, or made available online. . ‫ﻋ ﻠ ﻰ اﻹ ﻧﺘ ﺮ ﻧﺖ‬
Special Deposit Account Profit and Bonus (AED): The profit and bonus (if any) ‫ ا ﻟ ﺮ ﺑ ﺢ و اﻟ ﻤ ﻜ ﺎ ﻓ ﺄ ة ) إ ن و ﺟ ﺪ ت ( ا ﻟ ﻤ ﺪ ﻓ ﻮ ﻋ ﺔ ﻟ ﻠ ﻌ ﻤ ﻴ ﻞ‬: ‫ا ﻟ ﺮ ﺑ ﺢ و ا ﻟ ﻤ ﻜ ﺎ ﻓ ﺄ ة ) د ر ﻫ ﻢ ( ﺗ ﺤ ﺖ ﺣ ﺴ ﺎ ب ا ﻟ ﻮ د ﻳ ﻌ ﺔ ا ﻟ ﺨ ﺎ ﺻ ﺔ‬
paid to customer on the Special Deposit Account. . ‫ﻋ ﻠ ﻰ ﺣ ﺴ ﺎ ب اﻟﻮ د ﻳ ﻌ ﺔ اﻟﺨ ﺎ ﺻ ﺔ‬
Total Outstanding Due: The total outstanding amount payable by the customer ‫ إ ﺟ ﻤ ﺎ ﻟ ﻲ ا ﻟ ﻤ ﺒ ﻠ ﻎ ا ﻟ ﻤ ﺴ ﺘ ﺤ ﻖ ﻟ ﻠ ﺪ ﻓ ﻊ ﻣ ﻦ ﻗ ﺒ ﻞ ا ﻟ ﻌ ﻤ ﻴ ﻞ و اﻟ ﺬ ي ﻳ ﺘ ﻀ ﻤ ﻦ ﺗ ﺤ ﺖ ر ﺑ ﺢ‬: ‫إ ﺟ ﻤ ﺎ ﻟ ﻲ ا ﻟ ﻤ ﺒ ﺎ ﻟ ﻎ ا ﻟ ﻤ ﺴ ﺘ ﺤ ﻘ ﺔ‬
which for the avoidance of doubt includes profit under Murabaha and the amount . ‫ﻣ ﺮ ا ﺑ ﺤ ﺔ و اﻟ ﻤ ﺒ ﻠ ﻎ ا ﻟ ﺬ ي ﻗ ﺪ ﻳ ﻮ د ﻋ ﻪ ا ﻟ ﻌ ﻤ ﻴ ﻞ ﻓ ﻲ ﺣ ﺴ ﺎ ب ا ﻹ ﻳ ﺪ ا ع ا ﻟ ﺨ ﺎ ﺻ ﺔ‬
customer may credit to his Special Deposit Account.
Total Outstanding Balance: The total amount withdrawn by the customer from . ‫ إﺟ ﻤ ﺎﻟﻲ اﻟﻤ ﺒ ﻠ ﻎ اﻟﻤ ﺴ ﺤ ﻮ ب ﻣ ﻦ ﻗ ﺒ ﻞ اﻟﻌ ﻤ ﻴ ﻞ ﻣ ﻦ ﺣ ﺴ ﺎ ب اﻟﻮ د ﻳ ﻌ ﺔ اﻟﺨ ﺎ ﺻ ﺔ‬: ‫اﻟﺮ ﺻ ﻴ ﺪ اﻹ ﺟ ﻤ ﺎﻟﻲ اﻟﻤ ﺴ ﺘ ﺤ ﻖ‬
the Special Deposit Account.
Total Limit: means the maximum debit balance (in relation to the Special Deposit ‫ ﻳ ﻌ ﻨ ﻲ اﻟﺤ ﺪ اﻷ ﻗ ﺼ ﻰ ﻟﻠﺮ ﺻ ﻴﺪ اﻟﻤ ﺴ ﺤ ﻮ ب ) ﺑﺎﻟﻨ ﺴ ﺒ ﺔ ﻟﺤ ﺴ ﺎب اﻟﻮ د ﻳ ﻌ ﺔ اﻟﺨ ﺎ ﺻ ﺔ ( اﻟﻤ ﻌ ﺘ ﻤ ﺪ ﻣ ﻦ ﻗ ﺒ ﻞ‬: ‫اﻟﺤ ﺪ اﻹ ﺟ ﻤ ﺎﻟﻲ‬
Account) as approved by the Bank for the Covered Card for you and any ‫ و إ ﺷ ﻌ ﺎ ر‬، ‫اﻟﻤ ﺼ ﺮ ف ﻟﻠﺒﻄ ﺎﻗ ﺔ اﻟﻤ ﻐ ﻄ ﺎ ة ﻟﻚ و ﻷ ي ﺣ ﺎ ﻣ ﻞ ﺑﻄ ﺎﻗ ﺔ إﺿ ﺎﻓ ﻴ ﺔ ﻣ ﺮ ﺗﺒ ﻄ ﺔ ﺑﺒ ﻄ ﺎﻗ ﺘ ﻚ اﻷ ﺳ ﺎ ﺳ ﻴ ﺔ ﻛ ﻤ ﺎ ﻫ ﻮ ﻣ ﺤ ﺪ د‬
supplementary cardholder linked to your primary card as determined, and notified, . ‫ﻣ ﻦ ﻗ ﺒ ﻞ اﻟﻤ ﺼ ﺮ ف ﻣ ﻦ و ﻗ ﺖ ﻵ ﺧ ﺮ‬
by the Bank from time to time.
Transaction Date: The date specified in the card statement on which a card transaction . ‫ اﻟﺘ ﺎ رﻳ ﺦ اﻟﻤ ﺤ ﺪ د ﻓ ﻲ ﺑﻴ ﺎن اﻟﺒ ﻄ ﺎ ﻗ ﺔ اﻟﺬ ي ﺟ ﺮ ت ﻓ ﻴﻪ ﻣ ﻌ ﺎﻣ ﻼ ت اﻟﺒ ﻄ ﺎ ﻗ ﺔ‬: ‫ﺗ ﺎ ر ﻳ ﺦ اﻟﻤ ﻌ ﺎ ﻣ ﻼ ت‬
took place.
Note: No profits will be charged on accrued profits ‫ ﻟﻦ ﻳ ﺘ ﻢ ﺗ ﺤ ﻤ ﻴ ﻞ أي أرﺑﺎ ح ﻋ ﻠ ﻰ اﻷ رﺑﺎ ح اﻟﻤ ﺘ ﺮ اﻛ ﻤ ﺔ‬: ‫ﻣ ﻼ ﺣ ﻈ ﺔ‬
Payments : ‫اﻟﺪ ﻓ ﻌ ﺎ ت‬
You can choose to pay any of the following: : ‫ﻳ ﻤ ﻜ ﻨ ﻜ ﻢ د ﻓ ﻊ أﻳ ﺎ ﻣ ﻦ اﻟﺨ ﻴ ﺎ رات اﻟﺘ ﺎ ﻟﻴ ﺔ‬
‫• ﻣ ﺒﻠ ﻎ اﻟﺤ ﺪ اﻷ د ﻧﻰ ﻟﻠﺴ ﺪ اد‬
• The minimum payment amount. ‫• ﻛ ﺎ ﻣ ﻞ اﻟﻤ ﺒ ﻠ ﻎ اﻟﻤ ﺴ ﺘ ﺤ ﻖ ) اﻟﺮ ﺻ ﻴ ﺪ اﻟﺤ ﺎ ﻟﻲ ( ﻋ ﻠ ﻰ اﻟﺒ ﻄ ﺎ ﻗ ﺔ‬
• The full outstanding (current balance) on your card. ‫• أي ﻣ ﺒﻠ ﻎ ﺑﻴ ﻦ ﻣ ﺒﻠ ﻎ اﻟﺤ ﺪ اﻷ د ﻧﻰ اﻟﻤ ﺴ ﺘ ﺤ ﻖ و ﻛ ﺎ ﻣ ﻞ اﻟﺮ ﺻ ﻴ ﺪ اﻟﺤ ﺎ ﻟﻲ‬
• Any amount between the minimum amount due and full current balance.

Warning ‫ﺑﻴﺎن ﺗﺤﺬﻳﺮي‬

`If you make only the minimum payment repayment/payment each period, you will pay ‫ ﻓﺴﺘﻘﻮم ﺑﺪﻓﻊ‬،‫ﺳﺪاد أدﻧﻰ دﻓﻌﺔ ﻣﺴﺘﺤﻘﺔ ﻟﻜﻞ ﻓﺘﺮة‬/‫اذا ﻗﻤﺖ ﻓﻘﻂ ﺑﺪﻓﻊ‬
more in profit/fees and it will take you longer time to pay off your outstanding balance. . ‫ ا ﻟ ﺮ ﺳ ﻮ م و ﺳ ﻴ ﺴ ﺘ ﻐ ﺮ ق ذ ﻟ ﻚ و ﻗ ﺘً ﺎ ﻃ ﻮ ﻳ ﻼ ﻟ ﺴ ﺪ ا د ا ﻟ ﺮ ﺻ ﻴ ﺪ ا ﻟ ﻤ ﺴ ﺘ ﺤ ﻖ‬/ ‫ا ﻟ ﻤ ﺰ ﻳ ﺪ ﻣ ﻦ ا ﻟ ﻤ ﺒ ﺎ ﻟ ﻎ‬
Please refer to illustration provided below ‫ﻳُ ﺮ ﺟ ﻰ ا ﻟ ﺮ ﺟ ﻮ ع إ ﻟ ﻰ ا ﻟ ﻤ ﺜ ﺎ ل ا ﻟ ﺘ ﻮ ﺿ ﻴ ﺤ ﻲ ا ﻟ ﻮ ا ر د أ د ﻧ ﺎ ه‬

Missing the minimum payment due in any month and/or non-adherence to the bank's Terms and ‫ أو ﻋ ﺪ م اﻻ ﻟﺘ ﺰ ام ﺑﺸ ﺮ و ط‬/ ‫ﻗ ﺪ ﻳ ﺆ د ي ﻓ ﻘ ﺪ ان اﻟﺤ ﺪ اﻷ د ﻧﻰ ﻣ ﻦ اﻟﺴ ﺪ اد اﻟﻤ ﺴ ﺘ ﺤ ﻖ ﻓ ﻲ أي ﺷ ﻬ ﺮ و‬
Conditions may subject you to negative consequences and limit your ability to access further financing ‫و أﺣ ﻜ ﺎ م ا ﻟ ﻤ ﺼ ﺮ ف إ ﻟ ﻰ ﻋ ﻮ ا ﻗ ﺐ ﺳ ﻠ ﺒ ﻴ ﺔ و ﻳ ﺤ ﺪ ﻣ ﻦ ﻗ ﺪ ر ﺗ ﻚ ﻋ ﻠ ﻰ ا ﻟ ﻮ ﺻ ﻮ ل إ ﻟ ﻰ ﻣ ﺰ ﻳ ﺪ ﻣ ﻦ ا ﻟ ﺘ ﻤ ﻮ ﻳ ﻞ ﻓ ﻲ‬
in the future, including but not limited to: Late fee charges, a negative impact on your current credit ‫ ر ﺳ ﻮ م ﺳ ﻠ ﺒ ﻴ ﺔ اﻟﺘ ﺄ ﺛﻴ ﺮ ﻋ ﻠ ﻰ‬، ‫ ر ﺳ ﻮ م اﻟﺘ ﺄ ﺧ ﻴ ﺮ‬: ‫ ﺑﻤ ﺎ ﻓ ﻲ ذ ﻟﻚ ﻋ ﻠ ﻰ ﺳ ﺒ ﻴ ﻞ اﻟﻤ ﺜ ﺎ ل ﻻ اﻟﺤ ﺼ ﺮ‬، ‫اﻟﻤ ﺴ ﺘ ﻘ ﺒ ﻞ‬
bureau, your card account going into arrears and/or collection measures which may include legal ‫ أو إﺟ ﺮ اء ات‬/ ‫ و د ﺧ ﻮ ل ﺣ ﺴ ﺎ ب ﺑﻄ ﺎﻗ ﺘ ﻚ إﻟﻰ اﻟﻤ ﺘ ﺄ ﺧ ﺮ ات و‬، ‫ﻣ ﻜ ﺘﺐ اﻻ ﺋﺘ ﻤ ﺎ ن اﻟﺤ ﺎ ﻟﻲ اﻟﺨ ﺎ ص ﺑﻚ‬
action and/or trigger all monies becoming due immediately. . ‫ أو ﺗ ﺆ د ي إﻟﻰ اﺳ ﺘ ﺤ ﻘ ﺎق ﺟ ﻤ ﻴ ﻊ اﻷ ﻣ ﻮ ال ﻋ ﻠ ﻰ اﻟﻔ ﻮ ر‬/ ‫اﻟﺘ ﺤ ﺼ ﻴ ﻞ اﻟﺘ ﻲ ﻗ ﺪ ﺗﺘﻀ ﻤ ﻦ إﺟ ﺮ اء ات ﻗ ﺎﻧﻮ ﻧﻴ ﺔ و‬

Late Payment Fees ‫ﻏ ﺮ اﻣ ﺔ ﺗﺄﺧ ﻴﺮ‬

The Customer undertakes to pay the AED 125+VAT 5% per month on the on the card ‫ ﺷﻬﺮﻳًﺎ ﻋﻠﻰ ﺣﺴﺎب‬٪5 ‫ ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ‬+ ‫ درﻫﻤًﺎ إﻣﺎراﺗﻴًﺎ‬125 ‫ﻳﺘﻌﻬﺪ اﻟﻌﻤﻴﻞ ﺑﺪﻓﻊ‬
account if the minimum payment due amount is not received by the payment due date ‫اﻟﺒ ﻄ ﺎ ﻗ ﺔ إذ ا ﻟﻢ ﻳ ﺘ ﻢ اﺳ ﺘ ﻼ م ﻣ ﺒ ﻠ ﻎ أد ﻧﻰ د ﻓ ﻌ ﺔ ﻣ ﺴ ﺘ ﺤ ﻘ ﺔ ﺑﺤ ﻠ ﻮ ل ﺗﺎ رﻳ ﺦ اﻻ ﺳ ﺘ ﺤ ﻘ ﺎ ق ) ﻳ ﺘ ﻌ ﻴ ﻦ ﻋ ﻠ ﻰ‬
(the bank shall pay any such amounts on behalf of the customer to a charity approved ‫اﻟﻤ ﺼ ﺮ ف د ﻓ ﻊ ﻫ ﺬ ه اﻟﻤ ﺒ ﺎ ﻟﻎ ﻧﻴ ﺎ ﺑﺔ ﻋ ﻦ اﻟﻌ ﻤ ﻴ ﻞ إﻟﻰ ﻣ ﺆ ﺳ ﺴ ﺔ ﺧ ﻴ ﺮ ﻳ ﺔ ﻣ ﻌ ﺘ ﻤ ﺪ ة ﺑﻤ ﻮ ﺟ ﺐ ﻟﺠ ﻨ ﺔ اﻟﺮ ﻗ ﺎ ﺑﺔ‬
by the bank’s internal shariah supervision committee after deducting the actual ‫ا ﻟ ﺸ ﺮ ﻋ ﻴ ﺔ ا ﻟ ﺪ ا ﺧ ﻠ ﻴ ﺔ ﻟ ﻠ ﻤ ﺼ ﺮ ف و ذ ﻟ ﻚ ﺑﻌ ﺪ ﺧ ﺼ ﻢ اﻟ ﻨ ﻔ ﻘ ﺎ ت اﻟ ﻔ ﻌ ﻠ ﻴ ﺔ اﻟ ﻤ ﺘ ﻜ ﺒ ﺪ ة ﺑﺴ ﺒ ﺐ ﺗ ﺄ ﺧ ﻴ ﺮ اﻟ ﻌ ﻤ ﻼ ء أو‬
expenses incurred due to customers’ delay or default in making the due payment (s)
‫ ﻳُﻔﺘﺮض أن اﻟﻌﻤﻴﻞ ﻳﻤﺎﻃﻞ اﻟﻤﺪﻳﻦ‬،‫ﺗﻘﺼﻴﺮﻫﻢ ﻓﻲ ﺳﺪاد اﻟﺪﻓﻌﺎت اﻟﻤﺴﺘﺤﻘﺔ ﻟﺘﺠﻨﺐ اﻟﺸﻚ‬
For the avoidance of the doubt customer is presumed as procrastinating debtor until is
proven otherwise. . ‫ﺣ ﺘ ﻰ ﻳ ﺜ ﺒ ﺖ اﻟﻌ ﻜ ﺲ‬

Illustration – Duration taken to complete the outstanding(if only minimum due is ‫ اﻟﻤﺪة اﻟﻤﺴﺘﻐﺮﻗﺔ ﻟﺪﻓﻊ اﻟﻤﺒﻠﻎ اﻟﻤﺴﺘﺤﻖ )إذا ﺗﻢ ﻓﻘﻂ ﺳﺪاد أدﻧﻰ ﺣﺪ‬- ‫ﻣﺜﺎل ﺗﻮﺿﻴﺤﻲ‬
paid) (‫ﻣﺴﺘﺤﻖ‬
AED 2,000 credit balance and no new transactions with an 42.00% Annual Profit Rate,with %42.00 ‫ درﻫﻢ إﻣﺎراﺗﻲ وﻻ ﻳﻮﺟﺪ ﻣﻌﺎﻣﻼت ﺟﺪﻳﺪة ﺑﻤﻌﺪل رﺑﺢ ﺳﻨﻮي‬2000 ‫رﺻﻴﺪ اﺋﺘﻤﺎﻧﻲ ﺑﻘﻴﻤﺔ‬
minimum payment of 5% of the balance or AED 100 whichever is higher, it would take 34 ‫ ﺳﻴﺴﺘﻐﺮق ﺳﺪاد‬،‫ درﻫﻢ إﻣﺎراﺗﻲ أﻳﻬﻤﺎ أﻋﻠﻰ‬100 ‫ ﻣﻦ اﻟﺮﺻﻴﺪ أو‬%5 ‫ﻣﻊ أدﻧﻰ دﻓﻌﺔ ﻗﻴﻤﺘﻬﺎ‬
months or less than 3 years to pay of the outstanding ‫ ﺳﻨﻮات‬3 ‫ ﺷﻬﺮًا أو أﻗﻞ ﻣﻦ‬34 ‫اﻟﻤﺒﻠﻎ اﻟﻤﺴﺘﺤﻖ‬

Ajman Bank Public Joint Stock Company (P.J.S.C) is licensed by the Central Bank of the UAE. All our products .‫ع( ﻣﺮﺧﺼﺔ ﻣﻦ ﻗﺒﻞ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي ﻟﺪوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬.‫م‬.‫ﻣﺼﺮف ﻋﺠﻤﺎن اﻟﻤﺴﺎﻫﻤﺔ اﻟﻌﺎﻣﺔ )ش‬
and services are Shari’ah compliant and approved by our Internal Shari’ah Supervision Committee. For .‫ﺟﻤﻴﻊ ﻣﻨﺘﺠﺎﺗﻨﺎ وﺧﺪﻣﺎﺗﻨﺎ ﻣﺘﻮاﻓﻘﺔ ﻣﻊ أﺣﻜﺎم اﻟﺸﺮﻳﻌﺔ اﻹﺳﻼﻣﻴﺔ وﻣﻌﺘﻤﺪة ﻣﻦ ﻟﺠﻨﺔ اﻟﺮﻗﺎﺑﺔ اﻟﺸﺮﻋﻴﺔ اﻟﺪاﺧﻠﻴﺔ‬
details on approval, kindly visit www.ajmanbank.ae Page 3 of 4 www.ajmanbank.ae ‫ ﻳﺮﺟﻰ زﻳﺎرة اﻟﻤﻮﻗﻊ‬،‫ﻟﻠﺤﺼﻮل ﻋﻠﻰ ﺗﻔﺎﺻﻴﻞ ﻋﻦ اﻟﻤﻮاﻓﻘﺔ‬
 ‫اﻟﺮ ﺻ ﻴ ﺪ اﻟﻤ ﺴ ﺘ ﺤ ﻖ‬ ‫اﻟﺤﺪ ا¼دﻧﻰ اﻟﻤﺴﺘﺤﻖ‬ ‫ﻋﺪد ا¼ﺷﻬﺮ ﻟﺴﺪاد اﻟﺮﺻﻴﺪ اﻟﻤﺴﺘﺤﻖ‬ (‫ﻣﺒﻠﻎ اﻟﺮﺑﺢ اﻟﻤﻘﺪر )درﻫﻢ إﻣﺎراﺗﻲ‬
‫ﻣﻌﺪل اﻟﺮﺑﺢ اﻟﺴﻨﻮي‬
Outstanding (‫ درﻫﻢ إﻣﺎراﺗﻲ أﻳﻬﻤﺎ أﻋﻠﻰ‬100 ‫ أو‬5%) No. of months to pay of the Estimated Profit charge
Balance Annual profit Rate outstanding balance
Min Due (5% or AED100 whichever is higher (AED)

3.5%
2000 100 (APR-Annual Profit 34 1,279.29
Rate 42.0%)
Below is the Credit Card Payment priority hierarchy which will be followed once the cardholder ‫ ﺑﻤﺠﺮد ﻗﻴﺎم‬،‫ﻓﻴﻤﺎﻳﻠﻲ اﻟﺘﺴﻠﺴﻞ اﻟﻬﺮﻣﻲ “وﻟﻮﻳﺔ اﻟﺪﻓﻊ ﺑﺒﻄﺎﻗﺔ اﻻﺋﺘﻤﺎن اﻟﺬي ﺳﻴﺘﻢ اﺗﺒﺎﻋﻪ‬
makes the payment of outstanding balance towards his credit card: :‫ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺑﺪﻓﻊ اﻟﺮﺻﻴﺪ اﻟﻤﺴﺘﺤﻖ ﺗﺠﺎه ﺑﻄﺎﻗﺘﻪ اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫اﻟﻤﺒﻠﻎ اﻟﻤﺴﺘﺤﻖ‬
‫ا¼وﻟﻮﻳﺔ‬ ‫ﻧﻮع اﻟﺮﺻﻴﺪ‬ (‫)درﻫﻢ إﻣﺎراﺗﻲ‬ ‫اﻟﻨﺴﺒﺔ اﻟﻤﺨﺼﺼﺔ‬ (‫اﻟﻤﺒﻠﻎ )درﻫﻢ إﻣﺎراﺗﻲ‬
Priority Type of Balance Outstanding Amount Allocated Amount (AED)
(AED)
1 ،‫اﻟﺮﺳﻮم )رﺳﻮم اﻟﺪﻓﻌﺔ اﻟﻤﺘﺄﺧﺮة‬ 125 100% 125
( ‫ رﺳ ﻮ م اﻟﺴ ﻠ ﻔ ﺔ اﻟﻨ ﻘ ﺪ ﻳﺔ‬، ‫ﻟﺪ رع اﻻ ﺋﺘ ﻤ ﺎﻧﻲ‬
Fees (Late payment fee, credit
shield, Cash advance fee)
2 ‫اﻟﻘﺴﻂ اﻟﺸﻬﺮي اﻟﻤﺘﺴﺎوي‬ 500 100% 500
(‫ ﺗﺤﻮﻳﻞ اﻟﺮﺻﻴﺪ‬،‫ ﺧﻄﺔ اﻟﺘﻘﺴﻴﻂ‬،‫)اﻟﻨﻘﺪ اﻟﻔﻮري‬
EMI (Cash on call, Installment
Plan, Balance Transfer)
3 ‫ر ﺑ ﺢ اﻟ ﻘ ﺴ ﻂ اﻟ ﺸ ﻬ ﺮ ي اﻟ ﻤ ﺘ ﺴ ﺎو ي‬ 100 100% 100
( ‫ ا ﻟ ﻨ ﻘ ﺪ ا ﻟ ﻔ ﻮ ر ي‬، ‫ ﺗ ﺤ ﻮ ﻳ ﻞ ا ﻟ ﺮ ﺻ ﻴ ﺪ‬، ‫)ﺧ ﻄ ﺔ ا ﻟ ﺘ ﻘ ﺴ ﻴ ﻂ‬
EMI Profit (Installment plan,
Balance Transfer, Cash on Call)
4 ‫ﺗﻢ ﺗﻮﺿﻴﺢ اﻟﺮﺑﺢ ﻣﻦ ﺧﻼل اﻋﻤﺎل‬ 100 100% 100
Profit

5 ‫ اﻟﺴﻠﻒ اﻟﻨﻘﺪﻳﺔ‬/ ‫ﻣﺸﺘﺮﻳﺎت اﻟﺘﺠﺰﺋﺔ‬ 1175 5% 58.75

Retail Purchases / Cash advances

Foreign Exchange Transactions: :‫رﺳﻮم اﻟﻤﻌﺎﻣﻼت ﺑﺎﻟﻌﻤﻠﺔ ا¼ﺟﻨﺒﻴﺔ‬

‫رﺳﻮم اﻟﻤﻌﺎﻣﻼت ﺑﺎﻟﻌﻤﻠﺔ ا!ﺟﻨﺒﻴﺔ‬ ‫ﺑﻲ راﻳﺖ ﺗﻴﺘﺎﻧﻴﻮم‬ ‫اﻟﺘﺮا ﻛﺎش‬

Foreign Currency Transaction Fee Bright Titanium ULTRACASH
!
2% 3.5%
! !

‫ و ﻳ ﺘ ﻢ ﻓ ﺮ ض ﻫ ﺬ ه اﻟ ﺮ ﺳ ﻮ م ﺑﺎ ﺿ ﺎ ﻓ ﺔ إﻟ ﻰ ر ﺳ ﻮ م‬. ‫ﻳ ﺘ ﻢ ﻓ ﺮ ض اﻟ ﺮ ﺳ ﻮ م ﻋ ﻠ ﻰ ﺟ ﻤ ﻴ ﻊ اﻟ ﻤ ﻌ ﺎ ﻣ ﻼ ت ﺑﺎ ﻟ ﻌ ﻤ ﻼ ت ا ﺟ ﻨ ﺒ ﻴ ﺔ ﻋ ﻠ ﻰ ﺑﻄ ﺎ ﻗ ﺔ اﻻ ﺋ ﺘ ﻤ ﺎ ن‬
‫ وﺗﻨﻄﺒﻖ ﻋﻠﻰ اﻟﻤﻌﺎﻣﻼت اﻟﺘﻲ ﺗﺘﻢ ﺧﺎرج دوﻟﺔ ا ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬MasterCard International ‫اﻟﻤﻌﺎﻟﺠﺔ اﻟﻘﻴﺎﺳﻴﺔ اﻟﺘﻲ ﺗﻔﺮﺿﻬﺎ‬
‫ر ﺳ ﻮ م اﻟﻤ ﻌ ﺎﻣ ﻼ ت ﺑﺎﻟﻌ ﻤ ﻠ ﺔ ا ﺟ ﻨ ﺒ ﻴ ﺔ‬
(!1.15 ‫)ﺣﻮاﻟﻲ‬
Foreign Currency Transaction Fee
The fee is charged on all foreign currency transactions on the credit card. This fee is charged in addition to the
standard processing fee charged by MasterCard international and is applicable to transactions performed
outside UAE (approximately 1.15%)

‫ ﻋﻠﻰ ﺗﺤﻮﻳﻞ اﻟﻌﻤﻼت ﻋﻠﻰ اﻟﻤﻌﺎﻣﻼت اﻟﺘﻲ ﻗﺪ ﻳﻌﺮض ﻓﻴﻬﺎ ﻋﻠﻰ اﻟﻌﻤﻼء أﺣﻴﺎﻧﺎ ﺧﻴﺎر ﺗﺴﻮﻳﺔ ﻣﻌﺎﻣﻼت‬%1.99 ‫ﻳﺘﻢ ﻓﺮض ﻧﺴﺒﺔ‬
‫ و ﻫ ﺬ ا اﻟ ﺨ ﻴ ﺎ ر ﻫ ﻮ ﺗ ﺮ ﺗ ﻴ ﺐ ﻣ ﺒ ﺎ ﺷ ﺮ‬. ‫اﻟ ﻌ ﻤ ﻼ ت اﻻ ﺟ ﻨ ﺒ ﻴ ﺔ ﺑﺎ ﻟﺪ رﻫ ﻢ ا ﻣ ﺎ ر اﺗ ﻲ ﻓ ﻲ ﻧ ﻘ ﺎ ط اﻟ ﺒ ﻴ ﻊ ﻓ ﻲ اﻟ ﺨ ﺎ ر ج أو ﻋ ﻠ ﻰ ﻣ ﻮ ﻗ ﻊ اﻟ ﺘ ﺠ ﺎ ر ة اﻻ ﻟ ﻜ ﺘ ﺮ و ﻧﻴ ﺔ‬
‫ ﻳﺘﻢ ﺗﺬﻛﻴﺮ اﻟﻌﻤﻼء ﺑﺄن ﻳﻄﻠﺒﻮا ﻣﻦ اﻟﺘﺎﺟﺮ‬،‫ ﻓﻲ ﻣﺜﻞ ﻫﺬه اﻟﺤﺎﻻت‬.(‫ﻳﻘﺪﻣﻪ اﻟﺘﺠﺎر ﻓﻲ اﻟﺨﺎرج وﻟﻴﺲ اﻟﻤﺼﺮف )ﺟﻬﺔ إﺻﺪار اﻟﺒﻄﺎﻗﺔ‬
‫أﺳﻌﺎر ﺻﺮف اﻟﻌﻤﻼت اﻻﺟﻨﺒﻴﺔ واﻟﻨﺴﺒﺔ اﻟﻤﺌﻮﻳﺔ ﻟﺮﺳﻮم اﻟﻤﻌﺎﻟﺠﺔ اﻟﺘﻲ ﺳﻴﺘﻢ ﺗﻄﺒﻴﻘﻬﺎ ﻗﺒﻞ اﻟﺪﺧﻮل ﻓﻲ اﻟﻤﻌﺎﻣﻼت اﻟﺘﺴﻮﻳﺔ ﻣﻌﺎﻣﻼت‬
‫اﻟﺘ ﻌ ﺎﻣ ﻞ ﺑﺎﻟﻌ ﻤ ﻼ ت ا ﺟ ﻨ ﺒ ﻴ ﺔ‬ ‫اﻟ ﻌ ﻤ ﻼ ت اﻻ ﺟ ﻨ ﺒ ﻴ ﺔ ﺑﺎ ﻟﺪ رﻫ ﻢ ا ﻣ ﺎ ر اﺗ ﻲ ﻗ ﺪ ﺗ ﻨ ﻄ ﻮ ي ﻋ ﻠ ﻰ ﺗ ﻜ ﻠ ﻔ ﺔ أﻋ ﻠ ﻰ ﻣ ﻦ ر ﺳ ﻮ م ﻣ ﻌ ﺎ ﻣ ﻠ ﺔ اﻟ ﻌ ﻤ ﻠ ﺔ اﻻ ﺟ ﻨ ﺒ ﻴ ﺔ‬
‫ﺑﺎﻟﺪ ر ﻫ ﻢ ا€ ﻣ ﺎ ر اﺗ ﻲ‬
Foreign currency transaction 1.99% currency conversion is charged for transactions where customers may sometimes be offered the option
in UAE dirhams to settle foreign currency transaction in UAE dirhams at the point of sales overseas or e-commerce site. Such
option is direct arrangement offered by the overseas merchants and not the Bank (Card issuer) . In such cases,
customers are reminded to ask the merchant for the foreign currency exchange rates and the percentage of
handling fees to be applied before the transactions are entered in to since settling foreign currency
transactions in UAE dirhams may involve a cost higher than the foreign currency transaction fee

All charges, terms and conditions are subject to change from time to time, and the . ‫ﺗ ﺨ ﻀ ﻊ ﻛ ﺎ ﻓ ﺔ اﻟ ﺮ ﺳ ﻮ م و اﻟ ﺸ ﺮو ط إﻟ ﻰ اﻟ ﺘ ﻐ ﻴ ﻴ ﺮ ﺣ ﺴ ﺒ ﻤ ﺎ ﻳ ﻘ ﺮ ر ه اﻟ ﻤ ﺼ ﺮف ﻣ ﻦ و ﻗ ﺖ‬
Customers will be provided a notice period of 60 days before the changes take effect. .‫ ﺳﻴﺘﻢ ﺗﺰوﻳﺪ اﻟﻌﻤﻼء ﺑﻔﺘﺮة إﺷﻌﺎر ﻣﺪﺗﻬﺎ‬60 ‫ﻳﻮﻣﺎ ﻗﺒﻞ ﺳﺮﻳﺎن اﻟﺘﻐﻴﻴﺮات‬
‫ﺑﻴ ﺎ ن ﺣ ﺴ ﺎ ب اﻟ ﺒ ﻄ ﺎ ﻗ ﺔ‬
Statement of Card Account contact details ‫ﺑﻴﺎن ﺣﺴﺎب اﻟﺒﻄ ﺎﻗﺔ‬

This is monthly statement of your credit card account it shows all transactions on your‫ﻫ ﺬ ه اﻟﻮ ﺛﻴ ﻘ ﺔ ﻫ ﻲ ﻛ ﺸ ﻒ ﺣ ﺴ ﺎ ب ﺑﻄ ﺎ ﻗ ﺘ ﻚ اﻻ ﺋﺘ ﻤ ﺎ ﻧﻴ ﺔ و ﺗﺸ ﻤ ﻞ ﺟ ﻤ ﻴ ﻊ اﻟﻤ ﻌ ﺎ ﻣ ﻼ ت اﻟﺘ ﻲ ﺗﻤ ﺖ ﻋ ﻠ ﻰ‬
card for this statement cycle. The following are important information. ‫ وﻓﻴﻤﺎ ﻳﻠﻲ ﻣﻌﻠﻮﻣﺎت‬.‫ﺑﻄﺎﻗﺘﻚ ﻟﺪورة ﻛﺸﻒ اﻟﺤﺴﺎب ﻫﺬه‬.‫ﻣﻬﻤﺔ ﻗﺪ ﺗﺤﺘﺎج إﻟﻴﻬﺎ‬
In particular you should call 800 22 or +97167018484 (from outside UAE) immediately ‫ ﻋﻠﻰ اﻟﻔﻮر ﻓﻲ ﺣﺎﻟﺔ‬+ 97167018484 ‫ أو‬800 22 ‫ﻳﺘﻌﻴﻦ ﻋﻠﻴﻚ ﺑﺼﻔﺔ ﺷﺨﺼﻴﺔ اﻻﺗﺼﺎل ﻋﻠﻰ اﻟﺮﻗﻢ‬
if you have lost your credit card or if your PIN became known to other person ‫ﻓﻘﺪان ﺑﻄﺎﻗﺘﻚ اﻻﺋﺘﻤﺎﻧﻴﺔ أو إذا أﺻﺒﺢ رﻗﻢ اﻟﺘﻌﺮﻳﻒ اﻟﺸﺨﺼﻲ اﻟﺨﺎص ﺑﻚ ﻣﻌﺮوﻓًﺎ ﻟﺸﺨﺺ آﺧﺮ‬
: ‫ أو إرﺳﺎل ﺑﺮﻳﺪ إﻟﻜﺘﺮوﻧﻲ ﻋﻠﻰ‬+97167018484 ‫ أو‬800 22 ‫ﻳُﺮﺟﻰ اﻻﺗﺼﺎل ﻋﻠﻰ اﻟﺮﻗﻢ‬
Please contact 800 22 or +97167018484 or send email at: info@ajmanbank.ae ‫ﻟﺘﻘﺪﻳﻢ أي اﺳﺘﻔﺴﺎر أو ﻟﺘﻘﺪﻳﻢ ﺷﻜﻮى ﺑﺸﺄن أي ﻣﻌﺎﻣﻠﺔ اﺣﺘﻴﺎﻟﻴﺔ أو‬info@ajmanbank.ae
for any queries or to file a complaint on any fraudulent transaction or to ‫ﺗﺴ ﺠ ﻴ ﻞ اﻻ ﻋ ﺘ ﺮ اض ﻋ ﻠ ﻰ أي ﻣ ﻌ ﺎﻣ ﻠ ﺔ‬
dispute a transaction
Change of Address ‫ﺗﻐﻴﻴﺮ اﻟﻌﻨﻮان‬
Please advise any change of address by calling 80022 (Within UAE) or +97167018484 ‫ )ﻣﻦ داﺧﻞ دوﻟﺔ‬800 22 ‫ﻳﺮﺟﻰ إﺑﻼﻏﻨﺎ ﻓﻲ ﺣﺎﻟﺔ ﺗﻐﻴﻴﺮ اﻟﻌﻨﻮان ﻋﻦ ﻃﺮﻳﻖ اﻻﺗﺼﺎل ﻋﻠﻰ اﻟﺮﻗﻢ‬
(when outside UAE) (‫ﻣﺎرات‬±‫ )ﻣﻦ ﺧﺎرج دوﻟﺔ ا‬+97167018484 ‫ﻣﺎرات( أو‬±‫ا‬

How to pay your Ajman credit card: :‫ﻛﻴﻔﻴﺔ دﻓﻊ ﺑﻄﺎﻗﺔ اﺋﺘﻤ ﺎن ﻣﺼﺮف ﻋﺠﻤﺎن اﻟﺨ ﺎﺻﺔ ﺑﻚ‬

• Direct Debit Card Payment set up on payment due date ( 5% or 100%) (٪100 ‫ أو‬٪5) ‫إﻋﺪاد اﻟﺪﻓﻊ اﻟﻤﺒﺎﺷﺮ ﺑﺒﻄﺎﻗﺔ اﻟﺨﺼﻢ ﻓﻲ ﺗﺎرﻳﺦ اﺳﺘﺤﻘﺎق اﻟﺴﺪاد‬ •
• Ajman Bank Cash Deposit Machine ‫ ﻳﺪ اع اﻟﻨ ﻘ ﺪ ي ﻣ ﻦ ﻣ ﺼ ﺮ ف ﻋ ﺠ ﻤ ﺎن‬±‫ﻣ ﺎ ﻛ ﻴ ﻨ ﺔ ا‬ •
• Ajman Bank Branches & Pay office ‫ﻓ ﺮ و ع ﻣ ﺼ ﺮ ف ﻋ ﺠ ﻤ ﺎن و ﻣ ﻜ ﺘﺐ اﻟﺪ ﻓ ﻊ‬ •
• Exchange House ‫ﻣ ﻜ ﺎﺗﺐ اﻟﺼ ﺮ اﻓ ﺔ‬ •
• ‫ و اﻟ ﺨ ﺪ ﻣ ﺎ ت ا ﻟ ﻤ ﺼ ﺮ ﻓ ﻴ ﺔ‬، ‫ و اﺗ ﺴ ﺎ ب‬، ‫ أ ﺟ ﻬ ﺰ ة ا ﻟ ﺼ ﺮ ا ف ا ¶ ﻟ ﻲ‬: ‫ا ﻟ ﻘ ﻨ ﻮ ا ت ا ﻟ ﺮ ﻗ ﻤ ﻴ ﺔ ﻟ ﻤ ﺼ ﺮ ف ﻋ ﺠ ﻤ ﺎ ن‬ •
Ajman Bank Digital Channels: ATM, Whatsapp, Internet & Mobile Banking, IVR
‫ و ﺧ ﺪ ﻣ ﺔ ا ﻟ ﺮ د ا ﻟ ﺼ ﻮ ﺗ ﻲ ا ﻟ ﺘ ﻔ ﺎ ﻋ ﻠ ﻲ‬، ‫ ﻧ ﺘ ﺮ ﻧ ﺖ و اﻟ ﻤ ﻮ ﺑ ﺎ ﻳ ﻞ‬± ‫ﻋ ﺒ ﺮ ا‬
Ajman Bank Public Joint Stock Company (P.J.S.C) is licensed by the Central Bank of the UAE. All our products .‫ع( ﻣﺮﺧﺼﺔ ﻣﻦ ﻗﺒﻞ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي ﻟﺪوﻟﺔ اﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬.‫م‬.‫ﻣﺼﺮف ﻋﺠﻤﺎن اﻟﻤﺴﺎﻫﻤﺔ اﻟﻌﺎﻣﺔ )ش‬
and services are Shari’ah compliant and approved by our Internal Shari’ah Supervision Committee. For .‫ﺟﻤﻴﻊ ﻣﻨﺘﺠﺎﺗﻨﺎ وﺧﺪﻣﺎﺗﻨﺎ ﻣﺘﻮاﻓﻘﺔ ﻣﻊ أﺣﻜﺎم اﻟﺸﺮﻳﻌﺔ اﺳﻼﻣﻴﺔ وﻣﻌﺘﻤﺪة ﻣﻦ ﻟﺠﻨﺔ اﻟﺮﻗﺎﺑﺔ اﻟﺸﺮﻋﻴﺔ اﻟﺪاﺧﻠﻴﺔ‬
details on approval, kindly visit www.ajmanbank.ae Page 4 of 4 www.ajmanbank.ae ‫ ﻳﺮﺟﻰ زﻳﺎرة اﻟﻤﻮﻗﻊ‬،‫ﻟﻠﺤﺼﻮل ﻋﻠﻰ ﺗﻔﺎﺻﻴﻞ ﻋﻦ اﻟﻤﻮاﻓﻘﺔ‬
!