Here you will have the complete information related to mazeed credit card . The key features, benefits and eligibility criteria of the credit card.
Table of Contents
Introduction To Mazeed Credit Card
In today’s fast-paced financial landscape, credit cards have become an essential tool for managing expenses, earning rewards, and enhancing purchasing power. Among the various options available, the Mazeed Credit Card stands out as a versatile financial solution designed to cater to diverse lifestyle needs. Whether you’re looking for cashback on everyday purchases, travel benefits, or exclusive discounts, the Mazeed Credit Card offers a range of features to help you make the most of your spending.
Choosing the right credit card is crucial for achieving financial well-being. With numerous options in the market, selecting a card that aligns with your spending habits, financial goals, and lifestyle preferences can lead to significant savings and added convenience. A well-suited credit card not only provides financial flexibility but also offers rewards and benefits that enhance your overall experience.
The purpose of this article is to provide an in-depth understanding of the Mazeed Credit Card, highlighting its key features, benefits, and how it compares to other options available. Whether you’re considering applying for your first credit card or looking to switch to a better alternative, this guide will help you make an informed decision.
What is the Mazeed Credit Card?
The Mazeed Platinum Credit Card is a premium cashback credit card introduced by Emirates NBD in Saudi Arabia. It offers cardholders substantial cashback rewards across various spending categories, aiming to enhance the value of everyday transactions. Emirates NBD
Emirates NBD, a leading banking group in the Middle East, is the issuer of the Mazeed Platinum Credit Card. Renowned for its innovative financial products and services, Emirates NBD operates across the UAE, Saudi Arabia, Egypt, Singapore, the United Kingdom, and India. Emirates NBD
Target Audience and Eligibility
The Mazeed Platinum Credit Card is tailored for individuals seeking to maximize rewards on their daily expenditures. To be eligible for this card, applicants should meet the following criteria:
- Age: Minimum of 21 years.
- Income:
- Saudi Nationals: Minimum monthly salary of SAR 6,000.
- Expatriates: Minimum monthly salary of SAR 8,000.
- Documentation:
- Valid National ID or Iqama.
- Salary Certificate.
- GOSI Certificate.
- Recent 3-month bank statements.
- Passport copy (for expatriates).

Features Of Mazeed Credit Card
The Mazeed Platinum Credit Card, offered by Emirates NBD in Saudi Arabia, is designed to provide cardholders with substantial cashback rewards and exclusive benefits across various spending categories. Emirates NBD
Reward Programs and Cashback Benefits
Cardholders can earn cashback on eligible retail transactions as follows:
- Dining at Restaurants: 10% cashback (up to SAR 200 monthly)
- Grocery Spends: 5% cashback (up to SAR 200 monthly)
- Medical & Pharmacies: 5% cashback (up to SAR 200 monthly)
- School & Education: 5% cashback (up to SAR 200 monthly)
- Airlines & Hotels: 2% cashback (up to SAR 200 monthly)
- Other Categories: 0.5% cashback (unlimited)
The dining category includes payments made at restaurants through Point of Sale (POS) terminals using the credit card, Apple Pay, or madaPay. It’s important to note that dining e-commerce options, orders via delivery applications, or any e-commerce payment platforms are included in the 0.5% cashback category “All Other Categories.” Emirates NBD
Interest Rates and Fees
Emirates NBD offers competitive Annual Percentage Rates (APR) on the Mazeed Platinum Credit Card. For detailed information on fees and charges, including APR calculations, cardholders are advised to refer to the official Emirates NBD website. Emirates NBD
Exclusive Offers and Discounts
Cardholders can enjoy exclusive offers and discounts in Saudi Arabia and the UAE, encompassing dining experiences, family entertainment, and health clubs and spas. These privileges are part of Emirates NBD’s commitment to providing added value to its customers. Emirates NBD
Travel Perks and Insurance Coverage
The Mazeed Platinum Credit Card includes complimentary access to 25 VIP lounges worldwide, enhancing the travel experience for cardholders. Additionally, the card offers various travel-related benefits, such as discounts on air tickets and holiday packages. Emirates NBD
Security Features
Emirates NBD prioritizes the security of its cardholders by implementing advanced security measures, including EMV chip technology and secure online transaction protocols, to protect against unauthorized use. Cardholders are also encouraged to monitor their account activity regularly through online and mobile banking platforms.
In summary, the Mazeed Platinum Credit Card offers a comprehensive suite of benefits tailored to meet the diverse needs of its users, making it a valuable financial tool for managing everyday expenses while earning significant rewards.

Benefits of Using the Mazeed Credit Card
The Mazeed Platinum Credit Card from Emirates NBD offers a wide range of benefits to enhance the financial experience of cardholders. These benefits provide greater convenience, flexibility, and financial security for everyday spending and long-term financial planning.
1. Flexible Payment Options
One of the key advantages of the Mazeed Credit Card is its flexible repayment options. Cardholders can choose from various payment plans to suit their financial situation, such as:
- Minimum Payment Option: Pay a small percentage of the outstanding balance each month.
- Installment Plans: Convert large purchases into easy monthly installments with competitive interest rates.
- Auto-Payment Options: Set up automatic deductions from a linked bank account to avoid late payment penalties.
This flexibility allows users to manage their finances effectively without feeling overwhelmed by large lump-sum payments.
2. Increased Purchasing Power
The Mazeed Credit Card enhances purchasing power by allowing cardholders to:
- Make high-value purchases without immediate cash availability.
- Access higher credit limits based on their financial profile.
- Enjoy exclusive discounts and deals across various categories such as dining, travel, and retail.
This feature enables individuals to afford essential and luxury items while maintaining a stable cash flow.
3. Build and Improve Credit Score
Using the Mazeed Credit Card responsibly can help cardholders establish and improve their credit history. Timely payments and responsible credit utilization contribute to:
- A higher credit score, making it easier to obtain loans or other financial products in the future.
- Improved eligibility for better credit limits and lower interest rates over time.
- A positive financial reputation with banks and financial institutions.
For individuals new to credit, the Mazeed Credit Card offers a great opportunity to build a solid credit profile.
4. Convenience of Online and Offline Transactions
The Mazeed Credit Card provides seamless transaction capabilities across various platforms, ensuring ease of use in both online and offline environments:
- Online Transactions: Secure and convenient payments for e-commerce purchases, bill payments, and subscriptions.
- Contactless Payments: Tap-and-go feature for quick in-store purchases without entering a PIN for small transactions.
- Global Acceptance: Use the card at millions of merchants worldwide, thanks to its association with major payment networks like Visa or Mastercard.
This flexibility makes it easier for users to shop, pay bills, and access services wherever they are.
5. Customer Support and Assistance
Emirates NBD offers robust customer support services to assist Mazeed Credit Cardholders with any queries or concerns, including:
- 24/7 Customer Service: Reach support teams via phone, email, or live chat for immediate assistance.
- Fraud Protection Services: Get alerts and assistance in case of suspicious transactions.
- Lost or Stolen Card Assistance: Quick blocking and reissuance of the card to prevent unauthorized use.
This strong support system ensures that customers have a hassle-free experience while using their credit cards.
Eligibility Criteria for the Mazeed Credit Card
To apply for the Mazeed Platinum Credit Card from Emirates NBD, applicants must meet specific eligibility requirements related to income, employment, creditworthiness, and documentation. These criteria ensure that the card is offered to individuals who can effectively manage their credit responsibilities.
1. Minimum Income Requirements
The income eligibility criteria for the Mazeed Credit Card vary based on nationality:
- Saudi Nationals: Minimum monthly income of SAR 6,000.
- Expatriates: Minimum monthly income of SAR 8,000.
Applicants must provide proof of income to confirm their eligibility and repayment capacity.
2. Employment Status
To qualify for the card, applicants must meet the following employment-related conditions:
- Salaried Employees:
- Must be employed with a recognized organization.
- A stable employment history is preferred.
- Salary transfer to an Emirates NBD account may be required for some applicants.
- Self-Employed Individuals:
- Must provide proof of business ownership and financial stability.
- Additional financial documentation, such as business bank statements, may be required.
A steady and verifiable income source is crucial to determine creditworthiness.
3. Credit Score Considerations
Applicants should have a satisfactory credit history to be eligible for the Mazeed Credit Card. Emirates NBD evaluates the applicant’s:
- Credit Score: A healthy credit score (usually 650 or above) increases the chances of approval.
- Debt-to-Income Ratio: Banks assess if the applicant can manage additional credit based on existing liabilities.
- Past Credit Behavior: Timely repayment of loans and credit card bills improves eligibility.
Applicants with poor credit histories may face rejection or receive a lower credit limit.
4. Required Documents
Applicants must submit the following documents when applying for the Mazeed Credit Card:
- For Saudi Nationals:
- Valid National ID (Copy and Original).
- Salary Certificate from the employer.
- Latest 3-month bank statement showing salary deposits.
- GOSI Certificate (if required by the bank).
- For Expatriates:
- Valid Iqama (Residence Permit) and Passport Copy.
- Salary Certificate from the employer.
- Latest 3-month bank statement.
- Work contract or employment verification letter (if required).
Additional documents may be requested by the bank based on the applicant’s profile.

How to Apply for the Mazeed Credit Card
Applying for the Mazeed Platinum Credit Card is a straightforward process that can be done online or offline. Understanding the steps and potential pitfalls can help ensure a smooth application experience.
Step-by-Step Application Process
1. Check Eligibility:
Before applying, ensure you meet the eligibility criteria, including:
- Minimum income requirement (SAR 6,000 for Saudis, SAR 8,000 for expatriates).
- Stable employment or business income.
- A good credit history.
2. Gather Required Documents:
Prepare the necessary documents, such as:
- National ID (for Saudis) or Iqama and passport (for expatriates).
- Salary certificate from your employer.
- Last three months’ bank statements.
- GOSI certificate (if required).
3. Choose Your Application Method:
Decide whether to apply online through the Emirates NBD website or visit a branch for an in-person application.
4. Submit the Application:
- Online: Fill out the digital application form, upload required documents, and submit the request.
- Offline: Visit the nearest Emirates NBD branch, provide your documents, and complete the application with a bank representative.
5. Wait for Approval:
After submission, the bank will review your application based on your income, credit score, and eligibility. This process may take a few days, and you might receive calls for additional verification.
6. Card Issuance and Activation:
Upon approval, the bank will deliver your Mazeed Credit Card to your registered address. You can activate it via:
- Mobile banking app.
- Online banking portal.
- Customer service helpline.
Online vs. Offline Application
Feature | Online Application | Offline Application |
---|---|---|
Convenience | Apply anytime, anywhere. | Requires visiting a branch. |
Processing Time | Faster processing and approval. | May take longer due to manual review. |
Document Submission | Digital upload of documents. | Physical submission at the branch. |
Customer Support | Live chat and phone support available. | In-person assistance from bank staff. |
Common Mistakes to Avoid
- Providing Incorrect Information:
- Ensure all details, such as income and personal information, are accurate to avoid rejection.
- Missing Required Documents:
- Double-check the required paperwork to prevent delays in processing.
- Ignoring Credit Score Requirements:
- A low credit score can lead to rejection; check your credit report before applying.
- Applying for Multiple Cards Simultaneously:
- Multiple applications in a short time may negatively impact your credit score.
- Not Understanding Fees and Terms:
- Read the fine print regarding interest rates, fees, and cashback terms to avoid surprises later.
When evaluating the Mazeed Platinum Credit Card from Emirates NBD alongside other credit cards in the Saudi Arabian market, it’s essential to consider differences in fees, interest rates, reward structures, and customer feedback.
Fees and Interest Rates
The Mazeed Platinum Credit Card has the following fee structure:
- Annual Fee: SAR 200
- Finance Charges (Retail Purchases): 2.99% per month
- Annual Percentage Rate (APR): 44.32%
- Cash Advance Fee: SAR 75 for amounts up to SAR 5,000; 3% (up to SAR 300) for amounts exceeding SAR 5,000
- Late Payment Fee: SAR 100
- Foreign Currency Transaction Fee: 3.10% Emirates NBD
In comparison, other credit cards in the market may offer varying annual fees and interest rates. For instance, the Emirates NBD Platinum Plus Credit Card has no annual fee but offers different reward structures. YallaCompare
Reward Structures
The Mazeed Platinum Credit Card provides a cashback program with the following rates:
- Dining: 10% cashback
- Groceries: 5% cashback
- Medical & Pharmacies: 5% cashback
- School & Education: 5% cashback
- Airlines & Hotels: 2% cashback
- Other Categories: 0.5% cashback
Each of the specified categories has a monthly cashback cap of SAR 200, while the “Other Categories” cashback is unlimited. Emirates NBD
In contrast, the Emirates NBD Platinum Plus Credit Card offers Plus Points on all spends, which can be redeemed through their call center or online banking. YallaCompare
Customer Reviews and Ratings
Customer feedback for the Mazeed Platinum Credit Card highlights its generous cashback offerings, particularly the 10% cashback on dining and 5% on groceries, as significant advantages. Users appreciate the value provided in everyday spending categories. Arab News
However, some customers have noted the importance of being aware of the monthly cashback caps in each category to maximize benefits. Overall, the card is well-regarded for its rewards program tailored to common spending habits.
The Mazeed Platinum Credit Card stands out for its high cashback rates in essential spending categories, making it an attractive option for consumers who frequently dine out or have significant grocery and medical expenses. When compared to other cards, such as the Emirates NBD Platinum Plus Credit Card, potential applicants should weigh the benefits of cashback versus point-based reward systems and consider their spending patterns to choose the most suitable card.
Tips for Managing Your Mazeed Credit Card Effectively
To make the most of your Mazeed Platinum Credit Card and avoid common financial pitfalls, it’s important to adopt responsible spending and payment practices. Here are some effective tips to help you manage your card wisely:
1. Paying Bills on Time
One of the most crucial aspects of managing a credit card is ensuring timely payments. Here’s why:
- Avoid Late Fees: Paying after the due date can result in late payment fees (SAR 100 for the Mazeed card).
- Preserve Your Credit Score: Timely payments contribute positively to your credit history and score, improving your chances of better financial products in the future.
- Avoid Interest Charges: The Mazeed Credit Card charges interest of 2.99% per month on unpaid balances. Paying in full each month helps you avoid high interest.
Tip: Set up auto-pay or reminders to ensure you never miss a payment due date.
2. Avoiding Unnecessary Debt
Credit cards offer convenience, but they can lead to debt accumulation if not used carefully. Here are some ways to avoid unnecessary debt:
- Limit High-Interest Purchases: While it’s tempting to make large purchases, ensure you can pay them off within the billing cycle.
- Pay More than the Minimum: Only paying the minimum amount will result in long-term debt due to accumulating interest. Try to pay more than the minimum payment due to reduce your balance faster.
- Use Installment Plans Wisely: If you opt for installment plans, make sure you understand the interest rates and repayment terms to avoid accruing unnecessary debt.
Tip: Use the credit card only for planned and necessary purchases, and try to pay the balance in full each month.
3. Maximizing Rewards and Cashback
The Mazeed Credit Card offers generous cashback, but to fully benefit from this, it’s important to track your spending. Here’s how to maximize your rewards:
- Use for Targeted Categories: Take advantage of the high cashback rates (10% on dining, 5% on groceries, etc.) by using the card for these specific categories.
- Keep Track of Monthly Caps: Each category has a cap (e.g., SAR 200 cashback on dining), so plan your spending to maximize these caps each month.
- Combine with Offers: Look for special promotions and offers on the card’s rewards portal, as these can further boost your cashback or point collection.
Tip: Regularly review the categories where you spend most and align your purchases with the highest cashback options.
4. Monitoring Spending Habits
Keeping track of your expenses is key to managing your Mazeed Credit Card effectively:
- Review Your Statements Regularly: Check your monthly statements to monitor your spending and ensure there are no unauthorized transactions.
- Use the Mobile App: The Emirates NBD mobile app allows you to track your purchases, set spending limits, and view your cashback accumulation in real time.
- Set Budgets: Set monthly or yearly budgets for each spending category to avoid overspending and ensure you’re making the most of your rewards.
Tip: Regularly review your spending patterns and adjust them if you notice you’re spending more in categories that offer lower rewards.
Mazeed Credit Card Fees and Charges
The Mazeed Platinum Credit Card from Emirates NBD comes with a variety of fees and charges that are important for cardholders to understand to avoid unexpected costs. Here’s a breakdown of the key fees associated with the card:
1. Annual Fees
- Annual Fee: SAR 200
This fee is charged annually for the privilege of using the Mazeed Platinum Credit Card. It’s essential to keep this in mind when budgeting for the card’s use.
2. Late Payment Penalties
- Late Payment Fee: SAR 100
If you fail to make the minimum payment by the due date, you will be charged a penalty of SAR 100. Timely payments are crucial to avoid this penalty and maintain your credit score.
3. Foreign Transaction Fees
- Foreign Currency Transaction Fee: 3.10%
For transactions made in a currency other than SAR, a fee of 3.10% will be charged on the total transaction amount. This includes international online purchases or when using the card abroad.
4. Cash Advance Charges
- Cash Advance Fee:
- Up to SAR 5,000: SAR 75
- Above SAR 5,000: 3% of the amount (with a minimum fee of SAR 75)
- Interest on Cash Advances: Interest on cash advances is typically charged from the date of withdrawal, and the rate is generally higher than for regular purchases.
Cash advances should be used sparingly due to the high charges and interest rates, which can quickly accumulate if not repaid promptly.
Other Fees
- Finance Charges (Retail Purchases): 2.99% per month (APR of 44.32%)
This is the interest rate charged on outstanding balances from previous months if not paid in full by the due date.
Tip: To avoid high charges and interest, it’s best to make full payments each month and be mindful of foreign transactions and cash advances.
By understanding these fees, you can better manage your Mazeed Credit Card and avoid unnecessary costs. Always strive to pay your balance in full and on time to keep your fees and interest charges to a minimum.
Advantages of the Mazeed Credit Card
- Generous Cashback Rewards
- High Cashback on Specific Categories: The card offers 10% cashback on dining, 5% on groceries, 5% on medical/pharmacy purchases, and 5% on school fees.
- Unlimited Cashback on Other Purchases: Non-category purchases earn 0.5% cashback, with no monthly cap, making it great for everyday spending.
- Flexible Payment Options
- You can manage your payments by either paying the full balance or choosing flexible installment plans for larger purchases.
- Reward Redemption
- The cashback is easy to redeem, either as statement credit or for purchases, making it user-friendly for those who want immediate rewards.
- Exclusive Offers and Discounts
- Access to special offers, discounts, and deals across various sectors like retail, travel, and entertainment, which makes the card even more rewarding.
- Strong Security Features
- Features like fraud protection, contactless payments, and instant card blocking in case of theft ensure that your spending remains secure.
- Access to Premium Services
- Cardholders can enjoy a premium customer support experience, including 24/7 access to a help desk for queries or emergencies.
Disadvantages of the Mazeed Credit Card
- High Annual Fee
- The SAR 200 annual fee can be a downside for those who do not fully utilize the card’s benefits, especially if they don’t take advantage of the cashback categories.
- Foreign Transaction Fee
- A 3.10% fee on foreign currency transactions means that if you often travel internationally or shop online in foreign currencies, the extra cost can add up.
- Interest on Outstanding Balances
- With an APR of 44.32% and 2.99% monthly interest on outstanding purchases, carrying a balance from month to month can lead to significant interest charges.
- Cash Advance Fees
- SAR 75 fee for cash advances up to SAR 5,000 and 3% fee for amounts exceeding SAR 5,000 can make cash advances expensive. Interest also accrues immediately on cash withdrawals.
- Monthly Cashback Caps
- While the cashback on certain categories is generous, it is capped at SAR 200 per month per category (like dining, groceries, etc.), which could limit the overall cashback benefit for heavy spenders in these categories.
Customer Reviews and Testimonials for the Mazeed Credit Card
The Mazeed Platinum Credit Card has received a range of feedback from customers, with many praising its rewards program and convenience, while others point out areas for improvement. Here’s a summary of the key themes from customer reviews:
Positive Experiences
- Generous Cashback Rewards
- Many customers appreciate the high cashback rates offered on specific categories like dining, groceries, and medical expenses.
- The 10% cashback on dining and 5% on groceries are particularly praised, making it a great card for those who frequently spend in these areas.
- Ease of Redemption
- Customers find it easy to redeem the cashback rewards either for statement credits or direct purchases. The unlimited cashback on non-category purchases is especially popular as it allows for continuous earning without limitations.
- Exclusive Offers and Discounts
- The cardholders enjoy exclusive discounts and promotions across various retail and travel sectors, further enhancing the value of the card.
- These discounts, combined with the reward program, make it a favored option for those who enjoy frequent shopping and travel.
- Security Features
- Users have highlighted the card’s fraud protection and instant blocking feature in case of theft or unauthorized transactions, offering peace of mind when making purchases.
- Customer Support
- The premium customer support service is frequently mentioned positively, with quick responses to queries and helpful assistance for card-related issues.
Areas of Improvement
- High Annual Fee
- Some customers feel that the SAR 200 annual fee is too high, especially if they don’t fully utilize the rewards program. For individuals with less frequent spending, this fee can feel like a burden without sufficient returns.
- Suggestion: A lower annual fee or more rewards to justify the cost could make the card more appealing to a wider range of consumers.
- Foreign Transaction Fees
- The 3.10% foreign currency transaction fee has received criticism, particularly from customers who frequently shop online internationally or travel abroad.
- Suggestion: A lower foreign transaction fee or the introduction of zero-fee international purchases could make the card more competitive for frequent travelers and online shoppers.
- Interest Rates and Cash Advance Fees
- Several customers noted that the high APR of 44.32% and cash advance fees are deterrents for carrying a balance.
- Suggestion: Lower interest rates and more transparent terms for cash advances could help improve the card’s appeal for those who may need to carry balances occasionally.
- Cashback Caps
- While the card offers high cashback in specific categories, some customers have expressed dissatisfaction with the monthly caps on categories like dining and groceries.
- Suggestion: Increasing or removing the cashback caps would allow high spenders to maximize the rewards further.
Overall Satisfaction
Positive Feedback:
Most users are satisfied with the Mazeed Platinum Credit Card, especially if they frequently spend in the rewarded categories. The generous cashback, combined with discounts and customer support, contributes to a high level of overall satisfaction.
Room for Improvement:
While the card is favored for its rewards program and convenience, the high fees and foreign transaction charges are the main drawbacks mentioned by users. For some, these aspects overshadow the benefits, especially if they don’t utilize the card for significant purchases regularly.
Security Measures and Fraud Protection for the Mazeed Credit Card
The Mazeed Platinum Credit Card prioritizes user security and offers a range of features to protect cardholders from fraud and unauthorized transactions. Here’s an overview of the security measures and tips to help you protect your card:
How Mazeed Credit Card Protects Users
- Real-Time Transaction Alerts
- The Mazeed Credit Card sends instant notifications to your mobile phone or email for every transaction. This helps you monitor your spending and quickly spot any unauthorized activity.
- Fraud Detection System
- The bank uses sophisticated fraud detection tools to monitor transactions in real time. If an unusual or suspicious transaction occurs, it is flagged, and the cardholder may be contacted for verification.
- Zero Liability for Fraudulent Transactions
- In case of unauthorized transactions, you may be eligible for zero liability under the card’s fraud protection policy, provided you report the fraud promptly.
- Contactless Payment Technology
- The Mazeed Credit Card uses contactless payment technology, which is more secure than traditional magnetic stripe cards. It reduces the risk of card skimming and unauthorized access to your card information.
- Card Locking Feature
- If your card is lost or stolen, you can instantly block it via the mobile banking app or by calling the bank’s customer support, ensuring that no unauthorized transactions can occur.
- Secure Online Shopping
- The Mazeed Credit Card supports 3D Secure (e.g., Verified by Visa or Mastercard SecureCode), which adds an extra layer of authentication when making online purchases, ensuring the transaction is legitimate.
- Two-Factor Authentication
- For online and mobile banking, two-factor authentication (2FA) is required to access account details or make significant changes, further securing your card from unauthorized access.
Tips to Avoid Fraud
- Enable Alerts for Transactions
- Set up real-time transaction alerts through the mobile app or email notifications. This will allow you to immediately identify any suspicious activity.
- Use Strong Passwords and PINs
- Choose a strong PIN for your card and use complex passwords for online banking. Avoid using easily guessable information like birthdates or names.
- Monitor Your Account Regularly
- Regularly check your bank statements or use the mobile banking app to keep track of your spending. This helps catch any fraudulent charges early on.
- Be Cautious When Sharing Card Details
- Avoid sharing your card details over the phone, via email, or on untrusted websites. Only enter your card information on secure and trusted platforms.
- Use Secure Wi-Fi for Transactions
- When making online purchases, ensure you are using a secure Wi-Fi network. Avoid conducting financial transactions over public Wi-Fi networks.
- Be Mindful of Phishing Scams
- Be cautious when receiving unsolicited emails or messages asking for your card details or personal information. Always verify the sender’s identity before responding.
Reporting Unauthorized Transactions
If you notice any unauthorized transactions on your Mazeed Credit Card, it’s important to act quickly to limit your liability and protect your account.
- Contact Customer Service Immediately
- Report any fraudulent activity by calling the bank’s customer service number immediately. You can also report fraud through the mobile banking app or online banking portal.
- Block Your Card
- If you suspect that your card details have been compromised, you can instantly block your card via the mobile app or online banking. This will prevent further unauthorized charges.
- File a Fraud Claim
- After reporting the fraud, the bank will guide you through the process of filing a fraud claim. This usually involves submitting a statement confirming the fraudulent transactions and cooperating with the bank’s investigation.
- Monitor Your Account
- Keep an eye on your account for any further unauthorized transactions. Regular monitoring will help you catch any additional fraudulent activity quickly.
- Follow Up on the Investigation
- The bank will typically conduct an investigation and, if the fraud is confirmed, you may be reimbursed for the unauthorized transactions, depending on their policies and your timely reporting.
FAQs
What is the Mazeed Platinum Credit Card?
The Mazeed Platinum Credit Card is a rewards-based credit card offered by Emirates NBD, designed to provide cashback on essential spending categories such as dining, groceries, medical, and education.
How can I apply for the Mazeed Credit Card?
You can apply for the card online through the Emirates NBD website, via mobile banking, or by visiting a local branch with the required documents.
What documents are required to apply for the Mazeed Credit Card?
Typically, you’ll need:
A valid Saudi national ID or residency permit (Iqama)
Proof of income (salary certificate or bank statements)
Employment verification
What is the annual fee for the Mazeed Credit Card?
The annual fee is SAR 200, charged once a year to maintain the card.
How does the cashback program work?
Cardholders earn cashback based on spending categories:
10% on dining
5% on groceries, medical, and education
2% on travel
0.5% unlimited cashback on other purchases
Monthly cashback caps apply to select categories
Are there any caps on cashback earnings?
Yes, cashback for each major category (e.g., dining, groceries, etc.) is capped at SAR 200 per month, while “other purchases” have no limit.
What is the interest rate on the Mazeed Credit Card?
The card has an interest rate of 2.99% per month, with an effective annual percentage rate (APR) of 44.32% if balances are carried forward.
Can I withdraw cash using my credit card?
Yes, you can withdraw cash, but a cash advance fee of SAR 75 (up to SAR 5,000) or 3% (whichever is higher) will be applied, along with immediate interest charges.
How can I check my Mazeed Credit Card balance?
You can check your balance through:
The Emirates NBD mobile app
Online banking portal
Monthly statements via email
Calling customer service
What are the late payment fees for the Mazeed Credit Card?
If you miss a payment, a late payment fee of SAR 100 will be charged.
Does the card offer travel benefits?
Yes, the card provides travel perks such as:
Travel insurance coverage
Airport lounge access (depending on the issuer’s partnerships)
Cashback on airline and hotel bookings
Are there any foreign transaction fees?
Yes, foreign transactions are subject to a 3.10% foreign currency fee, applicable when making purchases in non-SAR currencies.
How do I report a lost or stolen card?
You should immediately report a lost or stolen card by calling Emirates NBD customer service or by blocking the card via the mobile banking app.
How secure is the Mazeed Credit Card for online purchases?
The card offers advanced security features such as:
3D Secure authentication for online transactions
Instant transaction alerts
Fraud monitoring systems
Can I convert my purchases into installment payments?
Yes, large purchases can be converted into monthly installment plans with flexible repayment options and competitive interest rates.
What should I do if I see an unauthorized transaction on my statement?
Immediately contact customer support to report the unauthorized transaction and initiate a fraud investigation. The bank may offer zero-liability protection if reported promptly.
How can I maximize my cashback benefits?
To maximize your cashback, focus spending in high-reward categories (dining, groceries, medical), avoid exceeding monthly caps, and take advantage of promotional offers.
Can I increase my credit limit?
Yes, you can request a credit limit increase by submitting an application and providing updated income documentation to support your request.
What happens if I exceed my credit limit?
If you exceed your limit, you may be charged an over-limit fee, and it could negatively impact your credit score. Always monitor your spending to stay within limits.
How can I close my Mazeed Credit Card account?
To close your card, you need to pay off any outstanding balance and submit a closure request through customer service or by visiting a branch.