FAQS

Minimum Payment Due is calculated as 5% of the current balance on the Statement of Account, plus, if applicable

• •   Current billed Late Payment Fee
• •   Current billed finance charges
• •   Monthly amount(s) of installment(s) subscribed under MPP/ Balance Transfer
• •   Over Limit amount
• •   Past due amount

A late payment fee is charged to you in the following scenarios

• •   You have not made a payment by the due date
• •   You have made a payment but after the due date
• •   You have paid less than the minimum due by the due date
• •   Refund/charges reversal/cash back/promotion credit is not considered as a payment

• •   If the total outstanding balance on the card exceeds the credit limit at any time, or if the current balance as shown in the statement exceeds the credit limit, an over-limit fee will be charged to the card member
• •   The total outstanding balance and the current balance will include outstanding purchases, cash advances, and any interest, charges, or fees levied on the card account

• •   When you withdraw Cash Advance from the ATM, you will be charged a Cash Advance Fee (2.9% minimum AED 90)
• •   This is in addition to the interest (3.5%) charged on the amount withdrawn from the date of withdrawal.

• •   Repayment can be made through online banking of your bank account (where you have a salary or saving account) through the mobile App /website
• •   Direct Debit Facility
• • Online through Al Ansari Exchange Mobile App or by visiting any of its Branches
• •   Through Al Ain Finance Mobile App (coming soon)

• •   Yes, but you have to notify Al Ain Finance prior to traveling to avoid blocking the card

• •   The monthly statement will be automatically sent to the registered email address, the physical statement can be requested through the call center against a cost of AED 25

Yes, Cap is AED 175 monthly per Card allocated as follows:

• •   AED 75 on Fuel
• •   AED 50 on Supermarket
• •   AED 50 on Government and utility spending

• •   Cash back redemption is automated, it will reflect in the monthly statement

To reset your PIN send an SMS to 6440 with the following information:

• SMS: <PIN>+ 1 Space < > + <Last 4 digits of Card> + 1 Space < > + <4 digit PIN
• Example: PIN 4558 [new pin]

An attempt to steal your personal information to use for illegal activities such as opening bank account, etc.. by fraudsters is Identity Theft. They get access to these details by intercepting personal information shared on the internet.

If somebody tries to access your financial information via email by pretending to be a trustworthy person – this is known as Phishing. They may show that they are writing from your bank and give certain links asking you to ‘verify your account’ or ‘confirming your billing information’

Do not Click or Open attachments from any unknown person, company or any suspicious emails.

If you receive any email or written letter appears to have been sent from Al Ain Finance (AAF) seeking your company details or confidential information, should not be answered but advised immediately to Al Ain Finance(AAF) by calling +97124455771  or email to info@alainfinance.ae

AAF will never request you to disclose your account number, User ID, Personal Identification Number (PIN), Password or any such information through emails.
Please follow below tips to avoid becoming a victim of a phishing scam while using AAF online services :

• • Do not disclose your Online Banking User ID and Password to anybody; we will never ask you for this information under any circumstances
• • Always access AAF Online Banking by typing the correct URL (https://alainfinance.ae) into your browser. Never click on a link in an email to take you to a website or enter personal sensitive details either in the email or website.
• • Ensure that the online banking address has https:// and a secure lock icon  appears at the right bottom corner of the page or next to the address in the top of the webpage.
• • Do not use the “Save Password” option on your computer.
• • Change passwords frequently.
• • Do not save the internet banking webpage link or bookmark in browser favorites.
• • Do not leave your computer unlocked.
• • Stay updated on any banking transactions through your account with AAF Banking.

We’re committed to protecting your privacy and safeguarding your financial information.

Sensitive information about your company can be mis-used by online hackers. Keep it safe from them and protect your privacy.

You can do this by clearing your history after every browsing session.

AAF continually invests in and implements the most advanced security measures to ensure all your online banking transactions with us are safe and confidential.
Some of the security features we use to safeguard your communications with AAF Online Banking are:

• Robust firewall intrusion detection and prevention technologies to prevent unauthorised access to the Bank’s systems.
• A time-out limit that automatically logs you off the system and ends your session. Please remember to log off completely from Online Banking if you’re not using your computer for a period of time.

Online security is about protecting your privacy, not just while banking but across the internet. Follow these basic tips to stay secure while online:
•Always be suspicious of unsolicited emails or calls asking you to disclose any personal details or card numbers. Please remember that AAF would never directly ask you to disclose your PIN or password information.
• Ensure that you use up-to-date antivirus software and a personal firewall.
• Ensure that the online banking address has https:// and a secure lock icon appears at the right bottom corner of the page or next to the address in the top of the webpage.
• Do not use the “Save Password” option on your computer and change your passwords frequently.
• Always completely log off from your internet banking session.
• Do not save the internet banking webpage link or bookmark in browser favourites.
• Do not leave your computer unlocked.

The time-out function prevents unauthorised persons from accessing your session and data when you're away from the computer.

It happens in a step by step procedure:

Step 1 : Fraudsters gather customer's personal information.
Step 2 : They then approach the mobile operator and get the SIM blocked. After this they visit the mobile operator's retail outlet with the fake ID proof, posing as the customer. Step 3 : The mobile operator deactivates the genuine SIM card and issues a new one to the fraudster.
Step 4 : Fraudster then generates One Time Password (OTP) required to facilitate transaction, using the stolen banking information. This OTP is received on the new SIM held by the fraudster.

Follow below tips to stay secure while using your mobile:
• Lock your phone when not in use. Password-protect your device so that nobody else can use it or view the information.
• Call us on +97124455771, if you have lost your phone and we will disable your mobile banking user ID and password temporarily. In case you have changed your mobile phone number, please let us know and we will update your contact details.
• Clear mobile frequently by deleting text messages from financial institutions, especially before sharing, discarding or selling your device.
• Never disclose via text message any personal information (account numbers, passwords, or other personal information) that could be used for ID theft.
• Always download apps from trusted sources.
• Keep your phone's Operating System (OS) and apps updated.
• Do not store passwords or accounts numbers on your mobile phone.
• Limit the amount of personal details or contact information that you store in your phone, as criminals may be able to retrieve them if you happen to lose your phone.
• Make a note of your phone's IMEI number (dial *#06# to get it). This makes it easier to disable a stolen phone.
• For iPhone users, never jail-break or crack the device. Activate encrypted backup in iTunes, and turn on the passcode lock for the phone.
• For Android users, never root or crack the device.
• Never use any proxy or VPN software paid/free while accessing your mobile banking and online banking.

AAF Mobile Banking Apps use various security measures and data encryption to ensure your day to day banking is completely safe with a User ID/Password/Biometrics. Some of these security measures are:
• Multifactor authentication.
• Login using biometrics
• The ability to control your beneficiaries by adding or removing internal and external payments.