AccelRight Business Credit Card review
Rather than rewards, the card focuses on business utility: credit limits reaching AED 10 million, multiple cards for employees, a free grace period of up to 55 days and simplified VAT and Corporate Tax payments to the FTA. A Business Card Liability Waiver covers up to USD 25,000 per cardholder or USD 1.65 million per corporate client against employee misuse.
Additional support includes Multi Travel Insurance, a Meet & Greet airport service, 24/7 global assistance and clean separation of business and personal spend for reconciliation. There is no cashback or points programme, and the renewal fee and profit rate are not disclosed, so the card is aimed at SMEs and corporates that prioritise working-capital flexibility and expense control over rewards.
Card details
| Bank | Ajman Bank |
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| Card type | Islamic |
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| Card network | Mastercard |
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| Minimum salary | AED 10,000 |
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| Annual fee | Free for life |
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| Fee waiver | First-year annual fee waived; the subsequent-year fee amount is not published (fees +VAT 5%). |
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| Interest (monthly) | 3.50% |
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| Reward type | Check with bank |
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| Reward rate | Check with bankNo rewards or cashback programme is published for this business card. |
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| Welcome bonus | Check with bank |
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| Lounge access | Not mentioned; travel benefits include a Meet & Greet airport service and Multi Travel Insurance. |
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| Quick cash | Flexible revolving line at a low profit rate to support working capital requirements. |
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| Balance transfer | Not offered or not published. |
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| Instalment plan | Not published. |
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Welcome bonus: Check with bank
AccelRight Business Credit Card benefits
✓Multiple cards for employees
✓Credit limits up to AED 10 million
✓Free grace period of up to 55 days on purchases
✓Business Card Liability Waiver up to USD 25,000 per cardholder or USD 1.65 million per corporate client
✓Simplified VAT and Corporate Tax payment to the FTA
✓Multi Travel Insurance and 24/7 global customer assistance
✓Separate business and personal expenses for easier reconciliation
Offers and payment options
Quick cashFlexible revolving line at a low profit rate to support working capital requirements.
Balance transferNot offered or not published.
Instalment planNot published.
AccelRight Business Credit Card fees & charges
| Annual percentage rate (APR) | 42% per annum |
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| Cash advance fee | AED 150 per transaction |
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| Late payment fee | AED 125 per instance (Forced Donation) |
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| Foreign currency fee | 3.5% |
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| Minimum payment | 5% of outstanding plus all fees and charges |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | AED 75 per request |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits SMEs and corporates that need employee cards, working-capital flexibility and VAT and tax payment convenience under Islamic finance.
What works well
- ✓Very high credit limits up to AED 10 million
- ✓First-year fee waived with a 55-day grace period
- ✓Strong employee-misuse liability protection
What to weigh up
- −No rewards or cashback programme
- −Renewal annual fee and profit rate not disclosed publicly
AccelRight Business Credit Card eligibility
Business or corporate card; the official page boilerplate states a minimum salary of AED 10,000; specific business eligibility such as turnover and vintage is not published.
▤Key Fact Statement▤AccelRight Business Card Application Form▤Passport and Emirates ID▤Visa copy where applicable▤Trade License
AccelRight Business Credit Card FAQs
Business or corporate card; the official page boilerplate states a minimum salary of AED 10,000; specific business eligibility such as turnover and vintage is not published.
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
This card suits SMEs and corporates that need employee cards, working-capital flexibility and VAT and tax payment convenience under Islamic finance.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
