LIC Rewards Card

Life Insurance

The FGB LIC(I) Rewards Credit Card is no longer issued by the bank and any information shown here is for existing customers only.

Your trusted partner is now part of your everyday life

Your FGB LIC (I) Rewards Credit Card comes with a complimentary Life Insurance coverage of AED 50,000 in an event of unfortunate natural or accidental death, for the first year.

From the second year onwards, you can enjoy extended complimentary Life Insurance coverage based on your previous year retail spends.

Coverage : 1.5 times your yearly retail spend amount

Eligibility : Minimum retail spend of AED 25,000 in a calendar year

Terms & Conditions

Additional LIC International Insurance Plans Terms & Conditions

Purchase the best in class USD denominated professional education, pension, savings plans and more at exclusive rates with your FGB LIC (I) Credit Card.

To know more about LIC International Insurance plans offered by FGB, click here

Free Money Transfer

Convenient Remittance service

With the free Money Transfer facility, you can now transfer your money conveniently using your FGB LIC (I) Credit Card directly, at any of your Bank accounts in India, Philippines and Egypt all year around at competitive exchange rates.

Eligibility: 2 free money transfers per month upon a cumulative retail spend of AED 500 in the calendar month.

To apply, call 600525500

Terms & Conditions

Free Remit Protect

Automatic coverage on your last remitted amount

Remit money anywhere around the world* from any authorized remittance channel in the UAE using your FGB LIC (I) Visa Rewards Credit Card and instantly get covered for up to AED 25,000 in unforeseen events including total permanent disability due to accident or Accidental death.

Coverage : 12 multiples of the last remitted amount

Maximum cover : Up to AED 25,000/-

Minimum cover : AED 5,000/-

Cover period : 45 days, starting from the date that money was last remitted

Remittance confirmation slip and copy of your FGB LIC (I) Visa Rewards Credit Card statement will be required to process any claims.

FAQ

  • What is "Remit Protect"?

    Remit protect is an insurance cover through which an eligible FGB LIC (I) Rewards Credit Cardholder’s beneficiary continues to receive a monthly remittance for a period of 12 months in the unfortunate event of an accident causing death or total disability of the Credit Cardholder. This cover aims to support the beneficiary for a period of 12 months following the incident.

  • Who is eligible for this cover?

    A valid FGB LIC (I) Rewards Visa Credit Cardholder who has remitted money is eligible. The Credit Cardholder will be covered for a period of 45 days, starting from the date of remittance.

  • How much cash benefit does this cover provide?

    The FGB LIC (I) Rewards Credit Cardholder will be covered for 12 times the last remitted amount, subject to a minimum of AED 5,000 and a maximum of AED 25,000. For e.g. If the remittance is AED 2,000, the cover will be for AED 2,000 x 12 months = AED 24,000. In all cases, Remit Protect will pay a minimum of AED 5,000, irrespective of the amount remitted, and a maximum of AED 25,000. 10% of the eligible amount will be paid in the 1st month and remainder will be paid for 12 months in monthly installments. i.e. If the eligible amount is for AED 24,000, 1st settlement will be for AED 2,400 (10%) and the remaining amount of AED 21,600 will be paid in 12 monthly installments (i.e. AED 1,800 each month).

  • Do I need a letter of cover for the policy to be effective?

    No, you do not. To be eligible for the cover, you need to be an eligible FGB LIC (I) Visa Rewards Credit Cardholder and you should remit money via an authorized remittance channel in the UAE.

  • Are there exclusions under this program? Where can I find the details?

    Full list of exclusions are listed in the policy terms.

  • Who will receive the money?

    The benefit will be paid out to the legal beneficiary of the FGB LIC (I) Rewards Credit Cardholder. Kindly refer to the terms and conditions for the order of the beneficiary list.

  • Will I be covered if the incident happens outside of the UAE?

    This cover applies worldwide with the exception Iraq and Afghanistan. You should, however, have a valid residency in the UAE at the time of incident and should meet the remittance pre-requisite.

  • Are any countries excluded from the program?

    If the beneficiary is a resident of a country under US Sanctions, AIG will not be able to make payment to that country. Cover will not be valid if the beneficiary is in Afghanistan, Iraq, Cuba, Democratic Republic of Congo, Iran, Liberia, Sudan, or Syria. Please contact AIG for latest list.

  • What documents are required as proof of remittance?

    The receipt issued by the establishment who process the remittance will serve as “proof of remittance”.

  • How do I report a claim?

    Claim can be intimated by calling AIG or by sending an email to the contact address mentioned in the claim form.

LIC International Premiums

Accelerated rewards on LIC (I) Premiums

Enjoy earning accelerated First Reward points on LIC (I) Premium payments.

Opt for First Rewards Loyalty Program and earn double First Reward Points on any of your policy premium payments.

Terms & Conditions

Easy Payment Plan

Conveniently pay back your LIC (I) Premiums in easy 0% interest free monthly installment plans of 3, 6, 9 or 12 months.

To avail this benefit, please call our 24-hour customer service centre on 600 525500.

Terms & Conditions

Redemption against LIC (I) Premiums

Rewards that pay your Premiums

Use your FGB LIC (I) Credit Card to pay your LIC (I) Policy premiums and contact our 24/7 call centre on 600525500to request for redemption of your First Rewards Points against these payments.

Available First Rewards Points will be deducted from your FGB LIC (I) Credit Card, and the equivalent AED value of your premium transaction will be credited back to your monthly statement.

Terms and Conditions

Free Airport Transfers

Complimentary Airport transfers

Enjoy 1 complimentary airport transfer yearly at airports in India, the Philippines and Egypt exclusively with your FGB LIC(I) Rewards Credit Card.

Eligibility: Cumulative retail spends of AED 2,000 towards any air-ticket bookings

To book your airport transfer, please call 600 525500.

Terms and Conditions

0% Payment Plan

Interest free installment plan

Enjoy shopping anywhere in India, the Philippines and Egypt for AED 500 or more and conveniently repay your retail purchases in easy 0% interest free installment plans from 3 to 12 months.

Terms and Conditions

Loyalty Program

Select a loyalty program of your choice

Enjoy the ultimate flexibility in Loyalty Programmes and switch between First Rewards or First Cashback loyalty schemes on the same card, all year round, at no extra cost.

First Rewards offers redemptions at over 1,500 locations including leading shopping malls, jewellery stores, electronic stores, online transactions, utility bills and more . Earn one First Reward point for every dirham spent locally and double First Reward Points on international spends.

First Cashback Earn up to 5% Cashback, with no minimum spend requirement. What's more? Cashback earned has no expiry and can be redeemed at any time.

To know more click here

Chip & Pin Security

Enhanced protection

FGB LIC (I) Credit Card is equipped with a Chip & PIN feature giving you enhanced security level for every purchase you make with a Personal Identification Number (PIN).

The PIN will authorize the transaction at merchants Chip terminal and your signature will not be required. If the merchant does not have a chip terminal, you may still use your FGB LIC (I) Credit Card by signing the receipt.

To easily activate and generate your transaction PIN, SMS CACT space < the last 4 digits of your card number > space < 4 digit PIN number of your choice > from your registered mobile number and send it to 2121.

Example: CACT 2015 1234

Note: You may require to sign the transaction slip in case the merchant does not have the Chip terminal. You may change your PIN at any time by contacting our 24-hour call center on 600525500.

Visa payWave

Make everyday purchases easy with just a wave

Your FGB LIC (I) Credit Card is enabled with the Visa payWave contactless feature. Just wave your FGB LIC (I) Visa payWave-enabled Credit Card in front of a Visa payWave reader and go – there’s no need for you to sign or enter a PIN for purchases under AED 300 (in the UAE). This feature is useful where speed is essential such as at petrol stations, fast-food restaurants, cafe's and convenience stores

Step 1 - Look for the Visa payWave mark and contactless logo at the point of sale.

Step 2 - When you're ready to pay, hold your card in close proximity to the terminal or reader (less than 4 cm from where the contactless logo appears).

Step 3 - Once the terminal or reader confirms that your transaction is approved, you're ready to go! No signature or PIN required (for purchases under AED 300 in the UAE)

FAQ

  • Why use Visa payWave?

    Fast

    Save times at checkout with shorter transaction times and shorter queues.

    Convenient

    No entering of PIN numbers, swiping or signing - just wave your card and you're ready to go in just a few seconds.

    Secure

    The card doesn't leave your hand at checkout when making a contactless purchase.

  • What is Visa payWave?

    Visa payWave is a new contactless method of payment that removes the need to physically swipe or insert a card into a payment terminal. By simply holding the Visa payWave card within 4 centimetres of the terminal, the card will be detected and the transaction made.

  • How does Visa payWave work?

    The card has a tiny antenna embedded into the card, which securely transmits payment instructions to and from a specially adapted card terminal.

  • What are the benefts of Visa payWave?

    Visa payWave provides increased convenience and speed during the checkout process. The technology built into your card allows you to pay instantly, just by waving your card over a secure contactless terminal. For purchases under AED 300 in the UAE, at participating locations that accept Visa payWave. There’s no need to enter your of PIN number, swipe or sign, or fumbling for cash. You’re ready to go in just a few seconds.

  • Is this technology as secure as traditional cards?

    Your Visa payWave-enabled card is just as secure as any other Visa chip card and carries the same multiple layers of security protection. In addition, you also have peace of mind since the card remains in your hand throughout the entire transaction.

  • Could I unknowingly have made a purchase if I walk past the reader?

    Your card has to be waved within a close range (less than 4 centimeters) of the payment reader or terminal for more than half a second and the retailer must have first entered the amount for you to approve. Terminals can only process one payment transaction at a time, therefore reducing transaction errors.

  • Is there any chance that payments may be taken twice from my account?

    Visa payWave terminals are designed to only make one transaction per card at a time. All Visa payWave terminals are tested and certifed to confrm that a card is only read once before the transaction is concluded. As a safeguard, each transaction must be complete or void before another one can take place.

  • Which retailers will accept my card?

    Your card will be accepted for Visa payWave transactions wherever you see the contactless symbol and Visa logo at the point of sale. Visa payWave is available at most of the popular locations visited every day such as grocery stores, fast food outlets, coffee shops, convenience stores, and transport providers. You can still swipe your card and enter your PIN to make a regular transaction at other locations where Visa payWare is not accepted.

Buy 1 Get 1 Free at Cinemas

Use your FGB LIC (I) Credit Card to buy movie tickets from any of the below locations and get the second ticket for free!

Eligibility

Cumulative monthly retail spend of AED 500 with your FGB LIC (I) Rewards Credit Card

You can avail up to 2 free tickets in a month.

  • Cine Royal, Deerfieds Mall - Abu Dhabi
  • Cine Royal, Ruwais Mall - Abu Dhabi
  • Cine Royal, Khalidiya Mall- Abu Dhabi
  • Cine Royal, Dalma Mall- Abu Dhabi
  • National Cinema - Abu Dhabi
  • Lamcy Plaza Cinema - Dubai
  • Bawadi Cinema - Al-Ain

Terms & Conditions

Schedule of Fees & Charges

Other Banking Features

Standing Instructions

With Standing Instructions, you can conveniently make up to 20 payments including utility bills, schools & university fees and insurance premiums such as Etisalat, E-vision and more; paid on time, every time. You will never have to remember payment dates ever again.

Click here for the list of our Standing Instructions partners and for more details about the programme.

Credit Shield

Credit Shield helps you when it matters most. During unforeseen events like loss of life, permanent total disability and involuntary loss of employment, your Credit Shield covers you for liabilities on your Credit Card up to AED 100,000. You are automatically enrolled in this scheme. In the event of death or permanent total disability, AED 100,000 or your credit limit whichever is lower, and for involuntary loss of employment, 10% of your Credit Card outstanding, subject to a maximum of AED 4,000 for every month of unemployment up to a maximum period of 12 months. First month of enrollment is free of charge.

Wallet Shield

A lost or stolen wallet is more than just inconvenience and monetary loss. It takes away your peace of mind and puts you completely off track. Wallet Shield covers fraudulent transactions on your lost or stolen credit cards, robbed or stolen cash as well as for theft of identification papers or keys. To apply, sms WS to 2121.

Benefits

  • Robbed or stolen cash – a maximum limit of AED 1,000
  • Fraudulent transactions on lost or stolen Credit Cards at a maximum limit of AED 14,000 on FGB Credit Cards and AED 7,000 for other banks credit cards.
  • Loss of Keys and Identification Papers – a maximum limit of AED 600 for keys and a maximum limit of AED 1,400 for identification papers

Easy Buys

You can buy things you always wanted by availing the Easy Buys Plan. Any transaction over AED 300 can be converted to a convenient installment plan up to 24 months at a flat rate of up to 1.4% per month (up to 2.56% per month on a reducing balance).

Emergency Auto Assistance

Being a FGB Credit Card holder, you are automatically enrolled into the Auto Assist membership. This offers you the best in town 24-hour Auto Assistance, providing you roadside assistance whenever and wherever your car breaks down. In such a case, you will be entitled to avail the following services:

  • Battery Boost
  • Flat Tyre Change
  • Petrol Delivery
  • Locked out of car
  • Towing Service
  • Auto Assist can also take care of your car REGISTRATION at nominal fee.

Should your car break down anywhere in the UAE, simply call Auto Assist (AA) on Toll Free: 800 4430 in the UAE or +971 4 2699999

Terms and Conditions

Shop Now Pay Later

Shop Now, Pay Later is an exclusive 0% program designed for FGB Credit Card Cardholders wherein Cardholders can enjoy an interest free payment for up to 90 days on any retail transaction worth AED 1500 or more. To avail , SMS SHOP to 2121 or call our 24 hour contact centre.

For detailed Terms and Conditions please click here.

Accident Care Plan

As a FGB Credit Cardholder, you are automatically enrolled in the personal accident insurance scheme worth AED 150,000 to cater to unforeseen eventualities like Death or Permanent Total Disability arising from an accident. In case of Permanent Total Disability, the benefit amount will be paid after six consecutive months of total disability recognised by a physician authorised by the insurance provider. First month of enrollment is free of charge.

Quick Cash

Get easy access to cash when you need it the most. Call our 24-hour customer service centre and we shall transfer the money you request to your bank account within UAE. Pay back in 3, 6, 9, 12, 18, 24 or 36 monthly installments at very competitive interest rates.

Processing fees may apply for selected Quick Cash programs. Terms and conditions apply.

Balance Transfer

Transfer your outstanding balance from any other credit card within UAE to your FGB LIC (I) Siganture Credit Card at a flat rate of up to 0.69% per month ( up to 1.26% per month on a reducing balance). Choose from installment tenures over 6, 9, 12, 18 or 24 months.

Flexible Bill Payment

Pay your credit card bills for FREE at over 400 locations including exchange houses, FGB Branches, & FGB Cash Deposit Machines at leading malls.

Alternatively, you can now make direct online payments through any of your personal Bank accounts in the UAE by adding your FGB Credit Card details as a beneficiary or setup a UAE direct Debit Service standing instruction by contacting our 24 hour customer service centre on 600 52 5500.

For more information click here

Talk for Free

The first rewards programme that pays all your utility bills. This allows you to redeem your points against du (Mobile, Call Select - Landline, TV & Broadband), AADC, DEWA, SEWA, Showtime, Orbit and RTA.

Terms and Conditions

Smart Services

Easy access to products and services is an invaluable part of a truly convenient banking experience. SMART SERVICES will help you keep pace with global banking standards and simplify your banking needs through:

Smart Call

Call our 24-hour phone banking service on 600 525 500 any time for enquiries, transfers and other services

Smart Net

Visit www.fgb.ae and register with "SMART NET" for a seamless internet banking service.

If you are already registered with FGB Mobile Banking, you can also access SMART NET with the same login credentials or vice versa.

Smart SMS

Pay your utility bills like ADDC, Etisalat, DEWA, SEWA or even get instant access to your Credit Card statements by sending an SMS to 2121.

Terms & Conditions

Mobile Banking

FGB Mobile Banking is a free download smart phone application based service that allows users to perform banking inquiries and transactions on internet enabled mobile phones.

FGB Mobile is available in Arabic and English with the following features:

  • Inquiries on Credit Cards
  • Payments for Credit Cards, Phone (Etisalat, DU), Utility Services (DEWA, SEWA, AADC), and SALIK
  • Other Services like E-Statement subscription and more

Easy and Quick Registration process

  • Download the FGB Mobileapplication from App Store (iOS) or Google Play(Android) store
  • Launchthe FGB Mobile application on your Smart Phone
  • Click on Mobile Bankingand then click Registration
  • Follow the instructions on screen and enter your password
  • Generate your One Time Password (OTP)by selecting any of the methods below:  Soft OTP, displayed through your FGB Mobile application 2. SMS/Email OTP, sent to your registered mobile number/registered email address

NOTE: Once you register for FGB Mobile Banking, you can also access SMART NET (Internet Banking) with the same login credentials


Automatic Utility Bill Payment

Your Credit Card makes utility bill payments a breeze. Simply register with us for the automatic bill payment service of your Etisalat (Landline, GSM, Al Shamil), E-Vision DEWA and SEWA monthly bills and we'll take care of your monthly payments. It is recommended that you set the payment date to (at least) two days prior to the due date of your utility bill.

Convenient Utility Bill Payment

You can pay your ADWEA, AADC & Etisalat bills including Wasel recharge and renewal, any time over the phone by calling our 24-hour customer service centre.

Terms And Conditions