Credit Cards

VISA credit cards a payment tool that is equipped with smart chips that provides the customer with security. The card is issued with a revolving credit limits that can be used for cash withdrawals through ATMs available locally and internationally, purchasing goods and services through P.O.S. (Points of Sale) available locally and internationally, in addition to online shopping through the internet.

Target Market

Jordanian Customers':

With salary transfer or non- salary transfer from public and private sectors:

Public Sector: Minimum salary than JOD 700 for new clients (Armed Forces / Public Security Directorate / Military Retirees), and not less than JOD 500 for new clients (Other public sector employees / ministries/ civil retirees).
Private Sector: Minimum salary is JOD 350 for the bank’s accredit companies and JOD 500 for the non-accredited companies.

Professionals and self-employed with a minimum monthly income of JOD 700.
Jordanian Non-residents.

Non-Jordanian Customers':

Against cash collateral / the customer must have a housing loan with the bank and provide residency.

Required documents

Customers are offered the chance to settle (re-pay) the card outstanding balance through the following repayments methods:

Easy Settlement Plan (installment) that allows the customers settle 3% of the outstanding balance on monthly basis (The interest rate is applied at a rate of 1.75% monthly and is calculated on the highest daily balance used.).

This flexible revolving scheme entails a monthly minimum payment of 3% on outstanding balance or JOD 10 whichever is greater.
Full Settlement Plan (100%) where the customer re-pays the outstanding balance in full by the end of the grace period (no interest rate applies).

This method allows the customer to settle in full the whole outstanding monthly balance within the 51 grace period without interest rates by which the card limit will be renewed automatically.

Fees and commissions apply (Tariffs and Charges)

Visa Classic and Gold Credit Cards entitles a host of benefits designed to meet his/her needs and lifestyle.

Benefits:

The possibility to exempt the customer from issuance fee for the first year.
Life and total disability insurance.
National and worldwide acceptance.
The card is equipped with a smart chip that offers higher level of security.
Automatic enrolment in Bank ABC cards’ Discount Program.
Easy payment plan with 0.75% interest, up to 12 months. For more details, please visit the following link: Interactive Easy Payment Program (IEPP) Terms and Conditions
Automatic enrolment in Bank ABC Loyalty Program. For more details, please visit the following link: Points Reward Program for Credit Card holders at Arab Banking Corporation Bank (Bank ABC) – Jordan (the “Bank”)
Minimum credit limit JOD 300 for the Classic Card and JOD 1000 for the Gold Card, and maximum credit limit can reach JOD 25000.
Monthly interest rate on the highest daily outstanding balance of 1.75 %.
Maximum daily cash withdrawal up to 95% of the limit nationally and worldwide.
Maximum point of sale (P.O.S.) transactions amount can go up to the full available card balance nationally and worldwide.
The card offers online shopping if the customer requests to open his card limit online through 3-D Secure service that enables secured online payments using the credit card, every time the customer uses the card on a website that has the 3-D Secure:
- The customer will receive a one-time password (OTP) which will be sent to his/her mobile number registered with the bank.
- For more details about 3-D Secure terms and conditions, please visit the following link: 3-D Secure Service Terms and Conditions.
The card can be used in the traditional payment method, through which the customer is requested to insert the card in the merchants’ POS devices and enter the PIN number in addition to the untraditional contactless method of payment, which allows the cardholder to pay, simply by tapping the card over the POS machine and without a PIN up to (JOD 300) daily or its equivalence in other currencies, given that the maximum amount for a single transaction is (JOD 100) or its equivalence in other currencies, noting that the maximum daily contactless payment transaction limit (JOD 300) is refreshed after performing any transaction with PIN, regardless whether the transaction was contact or contactless.
In case of card loss, please inform the bank by calling the call center on (06-5100010) or through ABC Digital Banking.

Conditions

The applicant should meet the following criteria:

Jordanian, resident or Jordanian expatriates (granted home loans) or Non-Jordanian against cash collateral / the customer must have a housing loan with the bank and provide residency.
Fully eligible and enjoy a good literary reputation.
Not blacklisted.
Do not have any past dues related to previous loans at time of lending.
Clean repayment history.
Directly apply through the bank's branches or the sales team.
Minimum age for a primary credit card 21 years old and 18 years old for the supplementary credit card.
Maximum age 65 years old and 70 years old for retirees.
Minimum length of service should not be less than 6 months for public and private sectors, 24 months for professionals, self-employed, and 12 months for Jordanians expatriates (granted home loans).

Card Fees:

The possibility to exempt the customers from issuance fee for the first year.
The annual renewal fee is JOD 25 for the Primary Classic Card, and JOD 15 for the supplementary Card.
The annual renewal fee is JOD 50 for the Primary Gold Card, and JOD 30 for the supplementary Card.

Required documents:

Salary transfers:

Photocopy of valid ID.
3 months’ bank statements (terms & conditions applies).
Salary pay-slip for the recent month.

Non- Salary transfers:

Photocopy of valid ID.
6 months’ bank statements.
Salary pay-slip for the recent month.

Self-employed and Professionals:

Photocopy of valid ID.
Valid professional license.
Certificate of professional practice.
6 months’ bank statements.

Prestigious card designed for elite customers presented in higher credit limits and customized benefits.

Benefits:

The possibility to exempt the customer from issuance fee for the first year.
Flexible repayment options of 3% of the monthly outstanding amount or JOD 10 whichever is greater.
Grace period of interest-free credit up to 51 days if used balance is settled in full within the said period.
The card is equipped with a smart chip that offers higher level of security.
National and worldwide acceptance.
Free life insurance and total disability.
Automatic enrolment in Bank ABC cards’ Discount Program.
Easy payment plan with 0.75% interest, up to 12 months. For more details, please visit the following link: Interactive Easy Payment Program (IEPP) Terms and Conditions
Automatic enrolment in Bank ABC Loyalty Program. For more details, please visit the following link: Points Reward Program for Credit Card holders at Arab Banking Corporation Bank (Bank ABC) – Jordan (the “Bank”)
Monthly interest rate on the highest daily outstanding balance of 1.75%.
Maximum daily cash withdrawal up to 95% of the limit nationally and worldwide.
Maximum point of sale (P.O.S.) transactions amount can go up to the full available card balance nationally and worldwide.
Distinctive credit limit to fulfill all customer’s needs starting from JOD 1500 and up to JOD 25000.
Free Extended Warranty – providing additional 12 months’ warranty on top of any manufacturer’s warranty for the purchases performed using the Visa Platinum Card.
Purchase Protection for stolen or damaged goods purchased using the Platinum card.
For more details please visit www.cardholderbenefitsonline.com
Wide variety of offers provided by VISA Premium Privileges Program.
25 airport lounge Key access in the program:
- The Cardholders will have 6 free cardholder complementary visits per calendar year, all exceeding visits and all guests are charged at USD $32 per guest per visit.
- For more details, please visit www.loungekey.com/visaplatinummena
The card offers online shopping if the customer requests to open his card limit online through 3-D Secure service that enables secured online payments using the credit card, every time the customer uses the card on a website that has the 3-D Secure:
- The customer will receive a one-time password (OTP) which will be sent to his/her mobile number registered with the bank.
- For more details about 3-D Secure terms and conditions, please visit the following link: 3-D Secure Service Terms and Conditions.
The card can be used in the traditional payment method, through which the customer is requested to insert the card in the merchants’ POS devices and enter the PIN number in addition to the untraditional contactless method of payment, which allows the cardholder to pay, simply by tapping the card over the POS machine and without a PIN up to (JOD 300) daily or its equivalence in other currencies, given that the maximum amount for a single transaction is (JOD 100) or its equivalence in other currencies, noting that the maximum daily contactless payment transaction limit (JOD 300) is refreshed after performing any transaction with PIN, regardless whether the transaction was contact or contactless.
In case of card loss, please inform the bank by calling the call center on (06-5100010) or through ABC Digital Banking.

Conditions

The applicant should meet the following criteria:

Jordanian, resident or Jordanian expatriates (granted home loans) or Non-Jordanian against cash collateral / the customer must have a housing loan with the bank and provide residency.
Fully eligible and enjoy a good literary reputation.
Not blacklisted.
Do not have any past dues related to previous loans at time of lending.
Clean repayment history.
Directly apply through the bank's branches or the sales team.
Minimum age for a primary credit card 21 years old and 18 years old for the supplementary credit card.
Maximum age 65 years old and 70 years old for retirees.
Minimum length of service should not be less than 6 months for public and private sectors, 24 months for professionals, self-employed and 12 months for Jordanians expatriates (granted home loans).

Card Fees:

The possibility to exempt the customers from issuance fee for the first year.
The annual renewal fee is JOD 75 for the Primary Card, and JOD 45 for the supplementary Card.

Required Documents:

Salary transfers:

Photocopy of valid ID.
3 months’ bank statements (terms & conditions applies).
Salary pay-slip for the recent month.

Non- Salary transfers:

Photocopy of valid ID.
6 months’ bank statements.
Salary pay-slip for the recent month.

Self-employed and Professionals:

Photocopy of valid ID.
Valid professional license.
Certificate of professional practice.
6 months’ bank statements.

Prestigious card designed for top niche customers and offers customized benefits that meet the need of this esteemed segment.

Card Features

The possibility to exempt the customer from issuance fee for the first year.
Revolving credit limit that meets customers’ needs.
Flexible repayment options of 3% of the monthly outstanding amount or JOD 10 whichever is greater.
Grace period of interest-free credit up to 51 days if used balance is settled in full within the said period.
Free life insurance and total disability.
The card is equipped with a smart chip that offers higher level of security.
National and worldwide acceptance.
Automatic enrolment in Bank ABC cards’ Discount Program.
Easy payment plan with 0.75% interest, up to 12 months. For more details, please visit the following link: Interactive Easy Payment Program (IEPP) Terms and Conditions
Automatic enrolment in Bank ABC Loyalty Program. For more details, please visit the following link: Points Reward Program for Credit Card holders at Arab Banking Corporation Bank (Bank ABC) – Jordan (the “Bank”)
Maximum daily cash withdrawal up to 95% of the limit nationally and worldwide.
Maximum point of sale (P.O.S.) transactions amount can go up to the full available card balance nationally and worldwide.
Monthly interest rate on the highest daily outstanding balance of 1.75%.
Distinctive credit limit to fulfill all the customers’ needs starting from JOD 7000 and up to JOD 25000.
The card offers online shopping if the customer requests to open his card limit online through 3-D Secure service that enables secured online payments using the credit card, every time the customer uses the card on a website that has the 3-D Secure:
- The customer will receive a one-time password (OTP) which will be sent to his/her mobile number registered with the bank.
- For more details about 3-D Secure terms and conditions, please visit the following link: 3-D Secure Service Terms and Conditions.
The card can be used in the traditional payment method, through which the customer is requested to insert the card in the merchants’ POS devices and enter the PIN number in addition to the untraditional contactless method of payment, which allows the cardholder to pay, simply by tapping the card over the POS machine and without a PIN up to (JOD 300) daily or its equivalence in other currencies, given that the maximum amount for a single transaction is (JOD 100) or its equivalence in other currencies, noting that the maximum daily contactless payment transaction limit (JOD 300) is refreshed after performing any transaction with PIN, regardless whether the transaction was contact or contactless.
In case of card loss, please inform the bank by calling the call center on (06-5100010) or through ABC Digital Banking.

Wide variety of offers provided by VISA Premium Privileges Program as follows:

24/7 Concierge:

Visa presents Visa Concierge services to Visa Infinite cardholders. Take advantage of a host of services available to the cardholder over the phone or online, 24 hours a day, from anywhere in the world.

Services available:

Restaurant advice
Booking tables, including those that are hard-to-get
Travel arrangements: booking flights, Hotels, car rental, hotels transfers, tourist advice
Shopping recommendations, sourcing a product
Arranging a special gift, sending flowers

Concierge hotlines
Cardholders should email concierge@visainfinite-mea.com with the request itself, or to request for a call back. Cardholders should be contacted within 24 hours on their request.
For more information, visit www.visamiddleeast.com or International Direct Dialing: +97143611234 OR +442078502829
Multi-trip Travel Insurance

To get the insurance certificate for visa application purposes, please refer to www.cardholderbenefitsonline.com or visit your nearest branch.

Airport Lounge Key Access

Visa Infinite provides conditional unlimited visits to its cardholders and 1 guest to access more than 1000 VIP airports Lounge Key across more than 300 cities all around the world, as follows:

Visa Infinite – Airport Lounge Key Access
Number of Visits	Unlimited access to the cardholder and 1 guest
Eligibility criteria: to benefit from this service	1. Card should be active 2. Cardholder must perform at least one International purchase transaction during the year* Note: There will be two complimentary airport lounge visits before meeting the criteria no. 2
Fees for not meeting the eligibility criteria	Cardholder pays USD 32 per visit for him and his guest if qualifying criteria is not met.

*The Criteria that applies on the primary card applies on the supplementary card.

The cardholder should visit the following link www.loungekey.com/visainfinitemena and choose the city / airport that he/she would like to visit for free by choosing the "Lounge Finder" option.

Or the cardholder can register through "LoungeKey" mobile application to check the latest lounges available information and benefits related to the service.

*The "LoungeKey" application is available on both iOS and Android devices.

Extended Warranty:

Items purchased with Visa Infinite card may be eligible of an extended warranty benefit offered by the original manufacturer’s warranty for up to 1 year.

For Further details, please visit www.cardholderbenefitsonline.com.

Purchase Protection:

By using Visa Infinite card for in-store or online purchases, the cardholder will receive complementary buyers’ protection insurance, providing cover for theft, accidental damage or non-delivery of eligible purchases.

For more information, please visit www.cardholderbenefitsonline.com.

Conditions:

The applicant should meet the following criteria:

Jordanian, resident or Jordanian expatriates (granted home loans) or Non-Jordanian against cash collateral / the customer must have a housing loan with the bank and provide residency.
Fully eligible and enjoy a good literary reputation.
Not blacklisted.
Do not have any past dues related to previous loans at time of lending.
Clean repayment history.
Directly apply through the bank's branches or the sales team.
Minimum age for a primary credit card 21 years old and 18 years old for the supplementary credit card.
Maximum age 65 years old and 70 years old for retirees.
Minimum length of service should not be less than 6 months for public and private sectors, 24 months for professionals, self-employed and 12 months for Jordanians expatriates who are granted home loans.

Card Fees:

The possibility to exempt the customer from issuance fee for the first year.
The annual renewal fee is JOD 100 for the Primary Card, and JOD 50 for the supplementary Card.

Required Documents:

Salary transfers:

Photocopy of valid ID.
3 months’ bank statements (terms & conditions applies).
Salary pay-slip for the recent month.

Non- Salary transfers:

Photocopy of valid ID.
6 months’ bank statements.
Salary pay-slip for the recent month.

Self-employed and Professionals:

Photocopy of valid ID.
Valid professional license.
Certificate of professional practice.
6 months’ bank statements.