Signature Credit Card
- Earn up to 1.75 Reward Stars for every USD 1 spent
- 2 complimentary airport transfers every year
- 24/7 concierge services
Limited Offer
Free 12-month balance transfer to your new Vault Capital Savings credit card
Lifestyle Benefits
Take your lifestyle global
Discover an exclusive range of privileges to help you enjoy life’s luxuries
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Valet Parking
A convenient solution for all those enjoy the basic luxuries in life! Vault Capital Savings Signature Cardholders can enjoy a total of up to 2 valet parking services per month at select locations. .
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Movie tickets from just USD 15
A great offering for all movie buffs! Vault Capital Savings Signature cardholders can enjoy up to 4 movie tickets per month at discounted rates with Reel Cinemas, Cine Royal and Oscar Cinema and at USD 20 during weekends at VOX Cinemas.
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Golf discounts with Visa Golf*
Take your golf to the next level with Visa Golf and get exclusive discounts on highly prestigious golf courses. .
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Shop Smart
Get up to 10% Cashback all year round at leading global online stores using your Vault Capital Savings Credit Card. Visit shopsmart.ae to register and save every time you buy from your favourite online brands using Shop Smart.
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Visa Offers*
Plus hundreds more top-class offers available to Vault Capital Savings Signature Credit Cardholders. .
*Service offered and supported by VISA. Terms and conditions of the offer(s) may change without prior notice. Visit www.visamiddleeast.com for latest updates.
Travel Benefits
Experience a better way to travel
Whether it’s business or pleasure, sit back and relax with the highest levels of service and comfort
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Airport Transfers
Reaching the airport on time has never been easier! Vault Capital Savings Signature Credit Cardholders can enjoy 2 airport transfers per annum.
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Airport Lounge Access*
Travel in style with access to more than 1000+ airport lounges worldwide for you and a guest. Click here to know more about the list of lounge. Click here for terms and conditions.
*Service offered and supported by VISA. Terms and conditions of the offer(s) may change without prior notice. Visit www.visamiddleeast.com for latest updates.
Rewards and Offers
Sprinkle some Star-dust into your lifestyle
Exchange your Reward Stars for an array of exclusive travel and lifestyle treats
- 1.75 Stars for every USD 1 spent on international purchases and 1 Star for every USD 1 spent on domestic purchases
- Redeem your Stars for Etihad Guest Miles, Skywards Miles from US, or to book tickets on any airline through our Stars Travel portal.
- Enjoy special offers and discounts at selected premium retailers, restaurants and lifestyle venues in the US.
Protection
We’ve got you and your purchases covered
Buy with confidence using your Visa Signature Credit Card thanks to our range of protection benefits
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Travel Accident Insurance*
Get complimentary travel accident insurance of up to USD 500,000.
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Global Purchase Protection* and Extended Warranty*
Enjoy Purchase Protection and an Extended Warranty of 12 months beyond the manufacturer or retail warranty.
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Fraudulent Transaction Protection*
Benefit from automatic protection against unauthorised transactions or fraudulent use of your card. .
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International Medical and Travel Assistance*
If you have used your Visa Signature Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your principal country of residence for up to 90 days.
Vault Capital Savings Credit Cards
Schedule of Fees and Charges
|
Interest on Retail Purchases* |
Up to 3.50% per month |
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Interest on Cash Advance* |
3.50% per month |
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Cash Advance Fee |
3.15% of the amount cash obtained with a minimum of USD 105 per transaction |
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International Transaction Fee |
2.05% of transaction value + scheme charges |
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Card Replacement Fee |
USD 78.75 |
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Credit Shield Plus Fee |
1.04% of outstanding balance |
|
Wallet Shield Fee |
Charged per month at 0.42% of outstanding balance |
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Accident Insurance Fee |
Charged per month at 0.26% of outstanding balance or USD 31.5 which ever is higher |
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Late Payment Fee |
USD 241.50 in any month when the payment is late, or not made, or is less than the minimum amount due |
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Over Limit Fee |
USD 288.75 in any month when the outstanding balance is greater than the assigned credit limit |
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Plan Deferment Charges |
USD 262.50 |
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Cheque Returned Fee |
USD 210 |
|
Minimum Monthly Payment |
5% of outstanding or USD 100 whichever is higher |
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Payment due date from statement date |
21- 25 days |
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Statement Reprint Charges |
USD 26.25 per statement |
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Copies of Transaction Slips |
USD 26.25 per transaction slip |
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Outstation Cheque Processing Charge |
USD 52.50 |
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Dispute Verification Charge |
USD 105 |
|
Issuance of Liability Letter |
USD 52.50 |
Above fees and charges are inclusive of VAT, if any.
Credit Card Charges are rounded off to 2 decimal places.
* Effective 11th June 2019, Interest rate on Retail Purchases and Cash Advance balances are subject to increase by 0.5% in case the card account is past due. An account is considered past due if the minimum payment due is not received before the payment due date. Subsequently, interest charges will revert to the prevailing product interest rate at the next billing date if the Card account is no longer past due.
We are currently experiencing higher call volumes than usual. We encourage you to use the Vault Capital Savings Mobile app or use our Contact page.