Overview
Aptly named “Seva”, meaning; the art of selfless giving. MySeva Credit Card is not just another Credit Card, it is one of the few Cards that come with a purpose. Amongst its wide range of features and benefits, you can also make donations to charity when you use MySeva Credit Card to spend.
It is theCard that serves as you spend!
Highlights
- Earn up to 1% of cashback when you spend and donate it to charity
- “Tap & Go” with the contactless feature
- Apple Pay, Samsung Pay, Google Pay, Garmin Pay, Fitbit Pay and Swatch Pay through which you can register your card and pay instantly at merchants.
- Avail up to 90% of your card balance as easy cash at preferential interest rates and ZERO processing fees
- Use our SMS Banking Services anywhere and anytime to conveniently and instantly receive information about your MySeva Credit Card activities
You are eligible for MySeva Credit Card if your salary is AED 5,000 per month or higher
- Signed application form
- Copy of valid Emirates ID
- Copy of valid Passport
- Valid residence visa (for non-GCC national customers only)
- Signed security cheque
Enjoy Balance Transfers, Easy Cash, Easy Payment Plans and other convenient ways to use your MySeva Credit Card:
- Transfer your balance from any other credit card to your MySeva Credit Card with preferential rate starting from as low as 1.25% per month
- Avail up to 90% of credit limit as cash, and repay over a period of 36 months with our Easy Cash program
- Convert any purchase above AED 1,000, into Easy Payment Plan
- Avail up to 4 supplementary cards , and provide your loved ones with the much needed financial freedom while being able to keep track of all the spends
| Interest Rates & Tenors – Credit Card Offers | ||||||||
| Tenors (in months) | 3 | 6 | 9 | 12 | 18 | 24 | 30 | 36 |
| Interest Bearing EPPs | 1.5% | 1.5% | 1.5% | 1.5% | 1.25% | 1.25% | 1.10% | 1.10% |
| Easy Cash | 1.85% | 1.85% | 1.85% | 1.85% | 1.85% | 1.5% | 1.5% | 1.5% |
| Balance Transfer | 1.5% | 1.5% | 1.5% | 1.5% | 1.5% | 1.25% | 1.25% | 1.25% |
Credit Shield cover:
Credit Shield insurance which covers your Credit Card’s outstanding balance in the unfortunate even of:
- Involuntary Loss of Employment
- Critical Illness
- Death, Total Permanent Disability
Purchase Protection cover:
Secure your purchases made through your MySeva Credit Card in case of theft or accidental damage
Card Fraud Protection cover:
Protect yourself against unauthorized transactions on your MySeva Credit Card with our Card Fraud Protection cover
3D Secure:
Be assured that you are protected from any cyber theft or fraud when using your credit card online.
With encrypted One Time Passwords sent to your registered mobile phone for your online transactions, no one but you, yourself can authorize the debit of your card.
Pay off your MySeva Credit Card balance conveniently using any of the below payment options:
Online Payment
Online through any of your personal bank accounts in the UAE.
Exchange Houses
Pay your MySeva Credit Card bills at any branch of the following exchange houses with no extra charge:
*Payments made through Exchange Houses will take two working days to be credited.
Reward yourself when you spend on your MySeva Credit Card
Earn up to 1% of cashback when you spend and donate it to charity
Enjoy world class luxury with Marhaba lounges at leading international airports across the region. Simply present your MySeva Credit Card and enjoy privileged access to the following airport lounges:
- Egypt: Cairo International Airport VIP Lounges at Terminal 1 and 3
- Jordan: Queen Alia International Airport Amman, Crown Lounge
- Kuwait: Kuwait International Airport Pearl Lounge
- Saudi Arabia: Jeddah International Airport First Class Lounge (Foreign Airlines – North Terminal)
- Saudi Arabia: Riyadh International Airport ‘Premier Lounge’ in Terminal 1 (Foreign Airlines)
- UAE: Dubai International Airport Marhaba Lounges at Terminal 1, and 3; Terminal 4 at Al Maktoum Airport
| # | Description | Fees & Charges |
|---|---|---|
| 1 | Registration Fee | Free |
| 2 | Principal Card Annual Fee | Free |
| 3 | Supplementary Card Annual Fee | Free |
| 4 | Retail & Cash Interest Rates | Retail: 2.50% per month, Cash: 2.50% per month |
| 5 | Retail & Cash Interest Rates in case of non-payment | Retail: 2.75% per month, Cash: 2.75% per month |
| 6 | Installment Payment Plan Interest Rate (Balance Transfer & Easy Cash) | Starting 1.25% per month |
| 7 | Early settlement of IPP Installment Payment Plan | AED 100 + (remaining interest according to the tenor period) |
| 8 | Cash Advance Fee | 3% of the Cash Withdrawal Amount or AED 200, whichever is higher |
| 9 | Foreign Currency Transaction Fee | 2.85% |
| 10 | Credit Shield | 1.04% per month on the Outstanding Amount of AED11, whichever is higher |
| 11 | Cheque Return Fee | AED 300 |
| 12 | Late Payment Fee | AED 230 |
| 13 | Over Limit Fee | AED 300 |
| 14 | Sales Receipt Copy (Credit Card Transaction Slip Copy) | AED 65 |
| 15 | Clearance Letter | AED 50 |
| 16 | Liability Letter | AED 50 |
| 17 | Card Replacement Fee | AED 75 |
| 18 | Overseas Cheque Fee | AED 75 (in addition to actual cost) |
| 19 | Duplicate statement - per monthly statement | AED 45 |
