BRANCH OF EMIRATES NBD - KSA VISA RAHHALA CREDIT CARD TERMS AND CONDITIONS

The following terms and conditions, in addition to the General Terms and Conditions set forth in the Branch of Emirates NBD - KSA credit card application form shall apply to the Branch of Emirates NBD - KSA Visa Rahhala Credit Cards, to which this terms and conditions shall form an integral part and should be read in conjunction with the terms included in the credit card application form.

The following terms and conditions are applicable for the Branch of Emirates NBD - KSA Visa Rahhala Credit Cards:

Definitions

1. a) "Bank" means Branch of Emirates NBD - KSA.
2. b)"Branch of Emirates NBD - KSA Visa Rahhala Card" (Card) means the Visa Rahhala Credit Card issued by Branch of Emirates NBD - KSA;
3. c)"Rahhala rewards" means the program and the portal enabling Cardholder to use their Visa Rahhala Credit Card to redeem reward points earned on eligible transactions;
4. d)"Rahhala Miles" means an accrued amount of points earned on eligible transactions as set forth in this document, as decided by the Bank at its absolute discretion and which shall be redeemed by the Rahhala Credit Cardholder upon Cardholder request, the Rahhala Miles can be redeemed to miles exchange with available partners, booking a flight, booking a hotel, and or others as decided by the Bank;
5. e)"Miles Exchange" means a redemption way available in the Rahhala reward portal where the cardholders can transfer their earned Rahhala Miles to one of the available Airline miles programs. This feature can be amended or removed as per the Bank sole discretion;
6. f)"Book a flight" means a redemption way available in the Rahhala reward portal where the cardholders can redeem their earned Rahhala Miles by booking a flight ticket to a chosen available destination. This feature can be amended or removed as per the Bank sole discretion;
7. g)"Book a hotel" means a redemption way available in the Rahhala reward portal where the cardholders can redeem their earned Rahhala Miles by booking at a hotel in chosen available destination. This feature can be amended or removed as per the Bank sole discretion;
8. h)"Eligible Transactions" means all retail transactions, domestic and international, at point of sale or online, charged to a Cardholder's Branch of Emirates NBD - KSA Visa Rahhala Credit Card, except for the transactions excluded below (Clause 15)
9. i)"Fair Usage" means utilization patters of cards must meet personal spending trends and not for commercial purposes.

Rahhala Rewards

1. 1.Customers holding the Card are eligible to participate in the Rahhala Rewards program. For the avoidance of doubt, the Rahhala Rewards program does not apply to all Branch of Emirates NBD - KSA Visa cards. Rahhala Rewards program shall be at all times subject to the terms and conditions outlined hereinafter.
2. 2.The Bank is entitled, at any time and with prior notice to the Cardholder in any manner whatsoever, to terminate Rahhala Rewards and/or cancel and/or vary its benefits or features, and/or vary, add to or delete any of the terms and conditions outlined herein, and/or modify or limit the value of Rahhala Miles program awarded, and/or the manner of which the Rahhala Miles are awarded and the Cardholder shall be bound by such variations and amendments. The latest provisions in such connection will be available on the Branch of Emirates NBD - KSA website. It is the Cardholders' responsibility to ensure that they are apprised of the provisions and any changes thereof relating to the Card at all times. the Bank's decision on all matters relating to the Rahhala Miles and Rewards program shall be final and binding on the Cardholder
3. 3.Rahhala Miles apply to Eligible Transactions made on Branch of Emirates NBD - KSA Visa Rahhala Credit Cards and the calculated Points amount will be rounded down to the nearest Point. The following rate of Rahhala Miles will be applied to the corresponding Eligible Transaction(s):

1. 4.Classification of merchant categories will be determined and defined by the merchant's acquiring bank; Acquiring banks are required to follow global standards and definitions of merchant classifications as are set forth by the schemes (Visa/MasterCard/AMEX/Diners etc.). Emirates NBD cannot be held accountable for incorrect assignment/segmentation and reserves the right to adjust Rahhala Miles allocation at their discretion
2. 5.Eligible Transactions made with a Supplementary Card will be aggregated with the Eligible Transactions charged by the primary Cardholder for the purposes of calculating the Rahhala Miles amount. The aggregated Rahhala Miles will be awarded on the primary Cardholder's card account
3. 6.The Rahhala Miles will be accrued against each eligible transaction and will be redeemed upon customer request when received through authenticated channels as defined by Branch of Emirates NBD - KSA
4. 7.The Rahhala Miles will be calculated once every day during official working days only
5. 8.Rahhala Miles will only be accrued for the transactions posted on the statement of account of the cardholder. Branch of Emirates NBD - KSA cannot be held responsible for any late posting of transactions due to delays from the respective merchants
6. 9.There is no minimum spend condition for the Rahhala Miles to be awarded
7. 10.Any reversal/part reversal of transactions will result in the claw back of Rahhala Miles awarded
8. 11.Emirates NBD reserves the right to charge the equivalent value of such Rahhala Miles credited directly from the card account or adjust the same against Rahhala Miles for future purchase(s)
9. 12.Any Rahhala Miles accumulated and not credited into the card account will be cancelled/ forfeited in the below cases:
   1. i.closed;
   2. ii.not in good standing in the opinion of the Bank;
   3. iii.the Cardholder's Card has expired and was not renewed;
   4. iv.there has been a breach of the Card agreement; or
   5. v.any other event, which, in the sole discretion of Emirates NBD should result in the cancellation of the Rahhala Miles, and/or any similar benefits (as applicable); or
   6. vi.if the Rahhala Miles have expired. The expiry of each Rahhala Miles Point will be when 36 months have been completed;
   7. vii.past due payment
10. 13.Rahhala Miles cannot be exchanged for any other rewards, and is not replaceable or transferable under any circumstances
11. 14.Any decision about whether spend on purchases qualify as an Eligible Transaction for the purposes of Rahhala Miles and/or how spend are classified for each Rahhala Credit Card category shall be resolved by the bank and the result shall be communicated to the Cardholder
12. 15.Unless otherwise stated, all transactions, charged to the Cards are eligible for Rahhala Miles as per the categories defined in (Clause 3) above, except for the following exclusions:
    1. i.annual fee payment(s) related to the Cardholder's Card;
    2. ii.cash advances;
    3. iii.finance charges;
    4. iv.late payment charges;
    5. v.traveler's cheques, balance transfer, repayment of bank loans/fees/charges and/or other unauthorized charges;
    6. vi.purchase of foreign currency;
    7. vii.contributions, premiums or other payments in relation to credit shield or any other insurance programs or products that Emirates NBD may choose to offer;
    8. viii.SADAD payments made through Branch of Emirates NBD - KSA online and/or by utilizing any other payment channel provided by the Bank; and transactions that the Bank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent
    9. ix.Installment payment plan
13. 16.Fair usage policy: Misuse of the Card to effect fictitious transactions through POS terminals at merchant outlets or through other means shall be construed as a breach of fair usage policy and may not be eligible for Rahhala Miles. The Bank may, at its sole discretion and without prior notice to the Cardholder, add to, or remove from, the above list of exceptions. The Bank's decision as to what constitutes an Eligible Transaction and Fair usage shall be final, conclusive and binding
14. 17.Fair usage policy: The Rahhala Reward is valid for personal use only. In case the Card is used for business purposes, the Bank reserves the right to claw back the Rahhala Miles awarded, suspend the credit card and/or report the same to relevant authorities as a breach of fair usage
15. 18.Fair usage policy: the Bank reserves the right to disqualify any Cardholder from further participation in the Rahhala Rewards Program, if in the Bank's sole judgment, that Cardholder has in any way violated these Terms and Conditions and/or the terms and conditions of the Branch Emirates NBD - KSA Visa Rahhala Credit Card agreement and fair usage policy. Suspension and disqualification may result, at the Bank's sole discretion, to the cancellation and nullification of all Rahhala Miles earned by the Cardholder.
16. 19.The Bank reserves the right to terminate the Rahhala Reward or amend its terms and conditions at any time, the customer will be informed 30 business days prior implementing any change
17. 20.Rahhala Miles will be valid for a period of thirty-six (36) months from the date of accrual and will expire if they are not redeemed within this time period
18. 21.Minimum redemption amount is 5,000 Rahhala Miles per transaction, and multiples of 5,000
19. 22.These terms and conditions are executed in English and Arabic. In case of discrepancy between Arabic and English, the Arabic shall prevail. Every dispute arising between the parties in connection with this terms and conditions shall be referred to the competent judicial authority in the kingdom.