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Your handy list of barclaycard FAQs
Can I change the Barclaycard bundle on my account if I change my mind after my card has been approved?
Yes, at Barclaycard we understand that your lifestyle and financial needs may change over time. You can change the Barclaycard bundle you have selected on your account at any time by calling a Barclaycard advisor on 04 428 6000. There is no fee to change the bundle on your account. However, if you upgrade, the annual fee for your new bundle will be higher, so the new fee will be charged to your account on a pro rata basis. So, for example if you upgrade from a fee free Preferred bundle to a fee paying Priority bundle after six months, you will only pay for the remaining six months (AED 150). The following year, you will be charged the full annual fee of AED 300.
Note that you can only choose to upgrade your Barclaycard bundle.
What is the minimum amount I must pay on my account each month?
You may pay your card balance off in full or make a part payment. If you have an outstanding balance, each month you must pay the minimum payment due by the payment due date. The minimum payment due is calculated as 4% or AED 100 whichever is higher of your outstanding balance plus any amount past due, plus any instalment due on a Balance Transfer, Cash on Call or Easy Instalment Plan, plus any amount by which the balance on your statement exceeds your credit limit.
What should I do if I see a transaction I don’t recognise on my statement?
Please call us straight away on 04 428 6000 so we can find out what the problem is.
What should I do if my personal details or address have changed?
Please call us on 04 428 6000 and let us know so we can keep all your details up to date. In some instances (where you change employer or change your name) you will need to supply supporting documentation in order for us to make changes to your account.
How can I manage my credit limit?
At Barclaycard, we want to put you in charge of your credit card. So, if you want to speak to us about lowering or raising your credit limit, please call a Barclaycard advisor on 04 4286000.
What should I do if I forget my Personal Identification Number (PIN)?
Please call a Barclaycard advisor on 04 428 6000 and they will be able to send you a new PIN.
What happens if my payment is received late?
If your minimum payment due is not received by the payment due date (each as indicated in your statement) a late payment fee will be charged to you. This is in addition to interest that will be charged (on the outstanding amount) at the Barclaycard UAE credit card interest rate.
Is interest charged immediately when I withdraw cash?
When you withdraw cash from the bank or an ATM, you will be charged a Cash Advance Fee. This is in addition to the interest charged on the amount withdrawn from the date of withdrawal.
What additional charges do I incur if I use my card internationally?
When you use your card outside the UAE, the currency of your transaction will be converted into UAE Dirhams (AED). This will be at the exchange rate prevailing on the date the amount is charged on your account rather than the date you used your card. The two rates may vary due to market fluctuations. For all foreign currency transactions, a processing fee will be levied. All credit cards, when used outside the UAE are charged an international conversion fee. Details of the current rates and fees are available on request.
In case you have two Barclaycard accounts, here are some of the questions you may have:
Do I have to activate my two Barclaycards separately?
Yes. Each of your Barclaycard will have to be activated. You can keep both the Barclaycards handy and request the Call Centre advisor at Barclays to assist you with activating both cards.
Will I have two different PIN numbers for the two Barclaycard that I hold?
Yes. Each Barclaycard account is unique and will have different PIN numbers.
Will I get two statements?
Yes, you will receive two different statements for each of the Barclaycard accounts.
If my payment required to be made on the card, can I send a common cheque or make a common cash payment?
You cannot send a common cheque or pay cash through common payment for both Barclaycard accounts. You need to provide separate cheques.
If I lose 1 Barclaycard and I report the same, will both my cards be blocked?
No. Only the Barclaycard you requested to be blocked will be blocked.
Will the minimum amount due on both my Barclaycards be different?
Your minimum amount due will vary based on the amount you have spent of each of your Barclaycard. 4% or AED 100 of the outstanding balance is your minimum amount due on each Barclaycard.
What will be the limit assigned to each Barclaycard?
The limit is assigned to you as a customer. You have a common limit across both cards. Eg. If the limit assigned to you is AED 25,000 and you have spent AED 10,000, you can use any of your credit card for the balance of AED 15,000.
Are various promotional offers valid on all my Barclaycard?
Promotional offers are Barclaycard specific. Eg. Offers valid on the Barclays Premier League Card may not be applicable on the Barclaycard Priority bundle. All communication will clearly mention which Barclaycard account the offer is valid for.
Can the Barclaycard Reward Points on my Barclaycard be combined for rewards redemption?
Barclaycard Reward Points earned from various card plastic can be clubbed and redeemed at various rewards partner outlets.
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