Make the most of your credit card - BMI

Express yourselfSign up for a BMI Bank credit card andenter a whole new world of self-expressionthrough services, benefits and access toover 24 million outlets and 5 million ATMsworldwide.Cash-back loyalty programDescriptionLocal purchasesInternationalor online*purchasesEvery BD 1 spent 0.5 loyalty point 1 loyalty pointGet the credit card that gives you much more for everyDinar you spend - BMI Bank credit cards. They’re packedwith services, rich rewards and a whole lot of extras thatadd up to the kind of value that you’ll appreciate.Look at all these extras!• Up to 1% cash-back on every BD spent• Loyalty points you can really use• Winning opportunities every year• Free SMS alerts to simplify your life• Insurance - against loss, theft, purchase protection,fraud and for life• Up to 50 days interest-free cycle period• 100% cash withdrawal limit• Low foreign exchange rate• ePayment channelsMinimum pointsrequired to redeemyour pointsCash-back valuereceived for 2000loyalty pointsEffective BD spentto claim cash-backEffective cashback% on everyBD spentContact center forclaiming loyaltypoints redemption2,000 loyalty pointsBD 20BD 4,000 BD 2,0000.50% 1.00%Contact out call center on(+973) 17 508080*Applicable to foreign currency online transactions onlyWhat is our cash-back loyalty program?You will be rewarded with 0.5% cash-back for every BD1spent in Bahrain. To earn additional points, use your cardto make purchases outside Bahrain - whether online orwhile traveling, and you’ll receive 1% cash back for everyBD1 spent, or its equivalent in foreign currency.Please note that cash withdrawals will not produce anycash-back loyalty points so make all your payments withyour BMI Bank credit card.24 hour call center: (+973) 17 508080E-mail: callcentreteam@bmibank.com

Apply now, experience thebenefits!How to redeem your cash-back loyalty points?Your monthly card statement will show you how manycash-back loyalty points are available for redemption atany time. Please call our 24-hour call center and makea request to claim your cash-back loyalty points andthe amount claimed will be credited directly to yourcard account. Please refer to the table above for quickreference. You can also check your available balanceanytime by calling our 24-hour call center on(+973) 17508080.What is the minimum amount for redemption?The minimum amount for redemption is BD 20 andthereafter, multiples of BD 10.This is how it works: If you are entitled to BD30 cashback, you can redeem the entire amount in two lotsof BD20 and BD10 to total BD30. However, if you’veearned only BD10 in cash back, you won’t be able toredeem this as you need a minimum of BD20 before youcan claim your cash-back redemption.Please provide us with the following documents to ensureprompt processing of your application:• CPR copy• Passport with valid residence permit - for expatsAdditionally, we require the following based on yourincome source:SalariedPlease provide us with one of the options below:• Recent salary certificate and 3 months bankstatement• Recent salary slip and 2 months bank statement• Recent 2 salary slips, original ATM mini-statementshowing salary credit and copy of the ATM cardSelf-employedPlease provide us with:• 6 months bank statement• Commercial Registration (CR) copy - if self-employed

Fees and ChargesDescription Classic GoldIssuing/Annual fee BD 20 BD 20Annual life insurance fee BD 10 BD 10Interest rate per month 2.50% 2.00%Minimum paymentper month3% or BD 10(whichever is higher)Supplementary cards One free One freeCash advance fee4% or BD 4(whichever is higher)Card replacement fee BD 5 BD 5Over limit fee BD 10 BD 10Statement reprint BD 1 BD 1Return cheque BD 10 BD 10PIN reissue BD 5 BD 5Late payment fees BD 15 BD 15Internationaltransaction fees2.5% of transaction amountAnnual Interest Rate: Classic 30%, Gold 24%.Fees and charges are available on our website and branches.