AI Hilal Bank

Al Hilal Bank is an established Islamic bank based in Abu Dhabi, UAE. Founded in 2007, Al Hilal Bank provides with the best-in-class client-centric retail banking products and services that are transparent, and consistent. These services are developed with the highest possible levels of ethical standards, professionalism and risk management.

Products and Services Offered by Al Hilal Bank

Al Hilal Bank's products and services include:

Online and Offline Features of Al Hilal Bank

Al Hilal Bank Offerings

Products Offered by Al Hilal Bank
Current and Savings Accounts	Current Account
	Savings Account
	Salary Transfer Account
	Seghaar Savings Account
Deposits Accounts	Wakala Deposit Account
	Term Investment Deposit Account
Debit Cards	Infinite Debit Card
	Signature Debit Card
	Platinum Debit Card
Credit Cards	Etihad Guest Infinite Credit Card
	Etihad Guest Signature Credit Card
	Etihad Guest Platinum Credit Card
	World Elite Mastercard
	Platinum Smart Covered Card
	Emirati World Elite Exclusive Mastercard
	Emirati World Mastercard
Loans	Sukuk Finance
	Settlement of Liabilities Finance
	Travel Finance
	Education Finance
	Rent Finance
	Medical Finance
	Wedding Finance
	Goods Finance
	Service Finance
	Auto Finance
	Home Finance
Wealth Management	Investment Management
	Treasury

Current and Savings Accounts

1. Current Account

Al Hilal Bank has designed a current account to match your everyday banking requirements. The current account is for everyone and offers you a host of benefits.

Highlights:

• It is a Shariah-compliant account.
• Fingerprint recognition is available.
• Transactions can be done in multiple currencies including USD, EUR, CAD, GBP and AED.
• Account number customization is available.
• Cheque Book customization is available.
• Visa Debit Card customization is available.
• Avail of free e-statements 
• Free Online, mobile, SMS, and automated banking services are available 24/7.

2. Savings Account

Whatever your goals are, the Al Hilal Bank savings account can help you get there. With interest rates higher than most banks, there are chances to win big prizes every month.

Highlights:

• It is Shariah-compliant account.
• Fingerprint recognition is available.
• Multiple currencies are supported including USD, EUR, CAD, GBP and AED.
• Account number customization is available.
• Visa Debit Card customization is available.
• You can avail of free e-statements.
• Free Online, mobile, SMS, and automated banking services can be used 24/7.
• 20 lucky customers are gifted AED 1,000 gifts every month.
• ‘Fall-below’ fees are zero.

3. Salary Transfer Account

With Al Hilal Bank’s salary transfer account you can earn more return on investments than the account balance.

Highlights:

• Completely Shariah-compliant account
• Bespoken account number
• Free shopping cards, E-statements, and cheque book are provided
• Free online and mobile banking services are available 24 hours a day, seven days a week.
• 20 lucky customers are presented with gifts worth AED 1,000 every month.
• Zero Initial Deposit
• Zero Minimum Balance Requirement
• Monthly profit computation and distribution
• Competitive profit rates.
• Three monthly online money transfers are available within UAE
• Two complimentary other network ATM transactions.

4. Seghaar Savings Account

Teach your children the value of money with Al Hilal’s Seghaar Savings Account. They can learn about responsible spending and investing.

Highlights:

• It is a Shariah-compliant account
• Account number customization is available.
• Free shopping cards, E-statements, and cheque book are provided
• Automated banking services are available 24 hours a day, seven days a week.
• One lucky customer is gifted AED 1 million every month.
• Zero Balance Account
• Zero Minimum Balance Requirement
• Monthly profit computation and distribution
• Legal Guardian or parents are eligible to open an account on the child’s behalf.
• Free online, mobile and SMS banking services.
• Fingerprint recognition is available.

Deposit Accounts

1. Wakala Deposit Account

Generate more savings with Wakala Deposit Account. This deposit account from Al Hilal Bank offers high returns as well as has a deposit tenure ranging from 1 to 12 months.

Highlights:

• Completely Shariah-compliant account.
• Individuals, minors and joint account holders are eligible.
• Deposit tenures range up to a year with the possibility of multiple deposit accounts for different tenures.
• Minimum deposit amount is AED 5,000
• Both AED and USD deposits are available.
• Monthly profit computation and distribution
• Avail of deposit amount based credit card
• Free online, SMS, mobile and automated banking services can be availed of 24/7.

2. Term Investment Deposit Account

Highlights:

• Totally Shariah-compliant account.
• Deposit Tenures range from 1 month to a year.
• Term Deposit amounts start as low as AED 5000.
• Monthly profit computation with an auto-rollover option at the maturity date.
• Free online, SMS, mobile and automated banking services are available 24/7.

Debit Cards

1. Infinite Debit Card

Highlights:

• PayWave feature is available for a transaction limit of AED 300.
• Extended warranty for up to a year on every purchase.
• Purchase Protection
• Unlimited access to more than 850 airport lounges
• Exquisite dining experience at TimeOut restaurants
• Free golf course access
• Gold membership of Hilton Honors offers. You can avail of services likes quick reservations, instant check-ins, free high-speed Wi-Fi, and room upgrades.
• Dining Discounts at over 200 airport restaurants
• Healthcare and Travel Assistance
• 24/7 concierge assistance

2. Signature Debit Card

Highlights:

• PayWave feature is available up to a transaction limit of AED 300.
• Extended warranty for up to a year on every purchase.
• Purchase Protection
• Unlimited access to over 850 airport lounges globally
• Exquisite dining experience at TimeOut restaurants
• Free golf course access
• Dining Discounts at 200+ airport restaurants
• Healthcare and Travel Assistance
• 24/7 concierge assistance

3. Platinum Debit Card

Highlights:

• For transaction limit of AED 300, PayWave feature is available.
• Extended warranty of up to a year on every purchase.
• Purchase Protection
• YQ meet and assist discounts of up to 15% at more than 450 locations worldwide.
• Exquisite dining experience at TimeOut restaurants
• Avis Car Rental discounts up to 10% on international rates and 20% on standard rates.
• Free golf course access
• Dining Discounts at 200+ airport restaurants
• Healthcare and Travel Assistance
• 24/7 concierge assistance

Credit Cards

1. Etihad Guest Infinite Credit Card

Highlights:

• Quick and Easy Balance Transfer Facility
• Cash against the available credit limit
• 60,000 Etihad Guest miles as welcome bonus
• If you spend AED 37,000, you will receive 10,000 miles as quarterly bonus.
• Upon annual payment fees payment, receive 40,000 miles as bonus
• Every purchase helps you earn additional miles
• Redeem miles for flight upgrades and booking from Etihad Airways partner networks.
• Airport Dining Discounts
• Free Airport Lounge Access
• Complimentary Golf course Access
• Free Airport Transfer Services
• 24/7 concierge assistance
• Extended warranty of up to a year on every purchase.
• Fraudulent activity protection
• Online purchase protection
• Quick transfer of purchases to zero processing fees EMIs

2. Etihad Guest Signature Credit Card

Highlights:

• Quick and Easy Balance Transfer Facility
• Cash against the available credit limit
• 40,000 miles as welcome bonus
• If you spend AED 18,500, you will receive 5000 miles as bonus in every quarter
• Upon annual payment fees payment, receive 20,000 bonus miles
• Every purchase earns additional miles
• Redeem miles for flight upgrades and flight booking from Etihad Airways partner networks.
• Airport Dining Discounts
• Free Airport Lounge Access
• Complimentary Golf course Access
• Free Airport Transfer Services
• 24/7 concierge assistance
• Extended warranty of up to a year on every purchase.
• Fraudulent activity protection
• Purchase Protection
• Quick transfer of purchases to zero processing fees EMIs

3. Etihad Guest Platinum Credit Card

Highlights:

• Quick and Easy Balance Transfer Facility
• Cash against the available credit limit
• 13,000 miles as welcome bonus
• If you spend AED 12,000, you will receive 3000 miles as bonus quarterly.
• Upon annual payment fees payment, receive 10,000 miles
• Every purchase lets you earn additional miles
• Redeem miles for upgrades and flights from Etihad Airways partner networks.
• Airport Dining Discounts
• Complimentary Golf course Access
• Extended warranty of up to a year on every purchase.
• Purchase Protection
• Quick transfer of purchases to zero processing fees EMIs

4. World Elite Mastercard

Highlights:

• Quick and Easy Balance Transfer Facility
• Cash against the available credit limit
• 34,000 reward points as welcome bonus
• Every retail purchase earns reward points.
• Unlimited deals and discounts at over 900 locations.
• Complimentary terminal self-access at International Airport of Abu Dhabi.
• Free high-speed WiFi
• Free Airport Lounge Access at 1000+ locations
• Additional benefits and deals at hotel reservations, dining and flights.
• Travel Insurance covering Baggage Loss, Baggage Delay, Cancellation of Trip, Curtailment of Trip, Delay of Trips as well as Missed Connection.

5. Platinum Smart Covered Card

Highlights:

• Quick and Easy Balance Transfer Facility
• Cash against the available credit limit
• Every retail purchase lets you earn reward points.
• Additional benefits and deals at hotel reservations, dining and flights.
• Discounted Golf Access
• Extended warranty of up to a year on every purchase.
• Purchase Protection
• Quick transfer of purchases to zero processing fees EMIs

6. Emirati World Elite Exclusive Mastercard

Highlights:

• Quick and Easy Balance Transfer Facility
• Avail of the cash against available credit limit
• Every retail and international purchase you earn reward points.
• Unlimited deals and discounts at more than 900 locations.
• Additional benefits and deals at hotel reservations, dining and flights.
• Travel Insurance.

7. Emirati World Mastercard

Highlights:

• Quick and Easy Balance Transfer Facility
• Cash against the available credit limit
• 100,000 reward points as welcome bonus
• Every retail and international purchase earns reward points.
• Unlimited deals and discounts at over 850 locations.
• Free Airport Lounge Access at more than 1000 locations
• Additional benefits and deals at hotel reservations, dining and flights.
• Travel Insurance 

Loans

1. Sukuk Finance

Sukuk Finance by Al Hilal Bank assists you in purchasing National Bond Saving Certificates as per your requirement. You can immediately redeem these bonds to acquire cash to meet your own requirements. 

• Profit Rates for UAE Nationals: Starting from 2.90% per annum
• Profit Rates for Expatriates: Starting from 3.40% per annum

2. Settlement of Liabilities Finance

Consolidate your liabilities with other banks through the Settlement of Liabilities Finance Program by Al Hilal Bank. This program is designed to help you pay off your liabilities from any bank in the UAE through a single monthly repayment schedule. When you apply, you gain access to competitive interest rates and flexible features that allow you to manage your finances effectively.

• Profit Rates for UAE Nationals: Starting from 2.90% per annum
• Profit Rates for Expatriates: Starting from 3.40% per annum

3. Travel Finance

With Al Hilal Bank, your one-stop finance partner, you can enjoy your trip without a worry about financial hassles.

• Profit Rates for UAE Nationals: Starting from 2.90% per annum
• Profit Rates for Expatriates: Starting from 3.40% per annum

4. Education Finance

Al Hilal Bank's Education Finance, lets you take full charge. Financing the tuition fee of any educational institution anywhere in the country will help you plan your finances better and give your children a better start.

• Profit Rates for UAE Nationals: Starting from 2.90% per annum
• Profit Rates for Expatriates: Starting from 3.40% per annum

5. Rent Finance

Rent Finance by Al Hilal Bank is a service that allows customers to take out a loan to cover their rental commitments. With easy flexible payments, customers can have peace of mind knowing that their rent will always be paid on time. With competitive interest rates and simple application procedures, Rent Finance by Al Hilal Bank offers easy solutions for instalment payments.

• Profit Rates for UAE Nationals: Starting from 2.90% per annum
• Profit Rates for Expatriates: Starting from 3.40% per annum

6. Medical Finance

With Medical Finance by Al-Hilal Bank, you can pay for your treatment in easy instalments over a flexible tenure.

• Profit Rates for UAE Nationals: Starting from 2.90% per annum
• Profit Rates for Expatriates: Starting from 3.40% per annum

7. Wedding Finance

Avail of Al Hilal Bank Wedding Finance instalment plan to pay off unknown costs that come with buying a ring, organising the venue, flowers, catering and everything in between.

• Profit Rates for UAE Nationals: Starting from 2.90% per annum
• Profit Rates for Expatriates: Starting from 3.40% per annum

8. Goods Finance

With Goods Finance by Al Hilal Bank, you can buy household items like an air conditioner to cool your summer, a fridge freezer to keep your food fresh for longer, or even a washing machine. With flexible repayment options, the bank helps you afford the things that you need.

• Profit Rates for UAE Nationals: Starting from 2.90% per annum
• Profit Rates for Expatriates: Starting from 3.40% per annum

9. Service Finance

Put your household’s cash flow back on track by getting the services you need - repairing your car, doing your home improvement project or maybe setting up a new kitchen. The bank can spread the cost of services over several interest-free monthly payments making it easier for you to budget your finances.

• Profit Rates for UAE Nationals: Starting from 2.90% per annum
• Profit Rates for Expatriates: Starting from 3.40% per annum

10. Auto Finance

Al Hilal Bank offers a full range of car financing options for their customers. Whatever your needs, Al Hilal Bank has the right product for you.

Features:

• Completely Shariah-compliant finance
• Competitive profit rates
• Flexible Finance
• Flexible Repayment Tenure ranging up to a maximum of 5 years
• Quick and Hassle-free approval
• Zero hidden fees
• Salary transfers are not required.
• Third-party car registration with blood relatives
• Joint income feature with blood relatives

11. Home Finance

Home Finance by Al Hilal Bank gives you flexibility and choice of how you pay for your home purchase with a range of products and terms to suit your needs. Home Finance enables you to leverage the most significant investment you will ever make – the value of your home.

Features:

• Completely Shariah-compliant finance
• Competitive rental rates
• Flexible Finance Amounts up to AED 15 million
• Flexible Repayment Tenure ranging up to a maximum of 25 years
• Quick and Hassle-free approval
• Third-party claims are covered
• Doorstep medical examinations
• Free partial finance settlement
• Salary transfers are not mandatory

Wealth Management

Investment Management - Through a wide range of products and services Al Hilal Bank enables its clients to own, invest and grow their wealth in a safe & secure environment. By offering you a one-stop-shop for all your investment needs the bank sets you up to reach your goals.

1. GCC Equity Fund

The GCC Equity Fund offers investors access to the growing economies of GCC countries by investing in equities of companies that trade in the Gulf Cooperation Council country markets.

2. Global Sukuk Fund

Joining the Global Sukuk Fund is a good way to diversify your portfolio. This product is designed for investors seeking periodic returns as well as long-term capital development from a diverse investment portfolio of Shariah-compliant international fixed-income assets.

3. Treasury

Al Hilal Bank Treasury Products comprises Foreign Exchange Spot, providing a comprehensive perspective to treasury solutions while adhering to Shariah standards. An Enterprise level solution to match your infrastructure requirements.

Awards and Achievements of Al Hilal Bank

Al Hilal Bank Customer Care

Customer Complaint Page	https://www.alhilalbank.ae/en/get-in-touch/write-to-us.aspx
Customer Care Contact Number	600 522 229(UAE), (+971) 600 522 229 (Outside UAE)

FAQ's