SmartSaver Credit Card

Statement of account ‫ب‬âZO vc¢

HUSSIN AHMED REAAY AHMED
5 Albert Al Awal, Ezbet Saad, Sidi Gaber, Card No 5241 XXXX XXXX 6698 ¶zâlD¥‫§ ا‬z‫ر‬
Alexandria, 21523
Total outstanding balance 19,500.28 yPGZ©¥‫ ا‬s¦D©¥‫ا‬
Minimum payment due 254.45 yPGZ©¥‫د¬· ا‬ë‫ ا‬s¦D©¥‫ا‬
Dear Customer
Total payment due* 5,088.77 yPGZ©¥‫ ا‬²¥â©Lï‫ ا‬s¦D©¥‫ا‬
e-statement

Thank you for choosing Mashreq SmartSaver Credit Card.

Statement date 25/06/2021 ‫ب‬âZP¥‫ ا‬vc¢ Q³‫ر‬âF
Payment due date 20/07/2021 ‫ق‬â|PGY ï‫ ا‬Q³‫ر‬âF
Spend with your SmartSaver credit card and get: *For revolvers who pay in full, interest will also be charged in the next statement, from transaction date till full
repayment date. See last page for details.
• Up to 8% bonus cashback at select merchant outlets in the UAE
• 1% cashback on all international spends and 0.5% cashback on all
domestic spends
dS¦¨
Please visit Mashreq.com/smartsaver to learn more. T&C apply Summary AED

Previous balance 17,888.29 yCâZ¥‫ ا‬T´eV¥‫ا‬

- payments 2,395.73 ‫ت‬ârwT¥‫ا‬
- other credits 0.00 ‫ى‬VR‫¶ أ‬-é‫د دا‬±´z

+ finance charges 0.00 ¤³±©G¥‫م ا‬±Y‫ر‬

+ other charges 0.00 ‫ى‬VR‫م أ‬±Y‫ر‬

+ new transactions 4,007.72 ‫ة‬T³TL ‫ت‬û¨âr¨
+ current balance 19,500.28 ²¥âP¥‫ ا‬T´eV¥‫ا‬
+ cash advance 0.00 ¶³T|¬ ¶x¦Y

0.00
Mashreqbank psc, formerly Bank of Oman Ltd, is a public shareholding company incorporated in Dubai (1967)

(1967) ²C‫ د‬²w EZYAF ¶¨âq ¶©°âZ¨ ¶¢Vb ±° ¹‫ود‬TP©¥‫ن ا‬â©q ،-C â|CâY ‫ق ش م ع‬Vc©¥‫ ا‬،-C

New Balance After Cashback Redemption /Adjustments

= outstanding balance 19,500.28 yPGZ©¥‫ ا‬s¦D©¥‫ا‬
+ Total deal instalments 1,135.48 ‫ت‬â|xf¦¥ ²¥â©Lï‫ ا‬s¦D©¥‫ا‬
Past due amount 0.00 ‫ق‬â|PGYï‫ ا‬Q³‫ر‬âF ‫وز‬âMG¨ s¦D¨

.xc£¥‫ا ا‬U° ²w ¶-´D©¥‫ ا‬s¥âD©¥‫ت و ا‬û¨âr©¥‫¶ ا‬Pe «¨ T¢AG¥‫ء ا‬âLV¥‫ا‬ Combined credit limit 25,660.00 ‫ك‬VGc©¥‫ ا‬²¬â©Géï‫ ا‬TP¥‫ا‬
«¨ ⨱³ 14 ‫ل‬ûR ،-D¥‫· ا‬¥‫ب إ‬âlR ‫ل‬âY‫· إر‬LV³ ,AlR ‫ف أي‬âcG¢‫ل إ‬âO ²w‫و‬
.âP´Pe vc£¥‫ا ا‬U° ²w ‫ء‬âL ⨠VDGr³ ·¥‫ب و إ‬âZP¥‫ ا‬vc¢ ¶q âDk Q³‫ر‬âF Available credit limit 6,159.72 Vw±G©¥‫ن ا‬â©Géï‫ ا‬BPY TO
.V´´uG¦¥ ¶¦Câz ‫وط‬Vc¥‫م و ا‬â£Oë‫م و ا‬±YV¥‫ ا‬p´©L
Available cash limit 5,132.00 Vw±G©¥‫ي ا‬T|-¥‫ ا‬BPZ¥‫ ا‬TO

Please detach and send with payment to Mashreqbank, Card
Centre, PO Box 1250, Dubai along with any change of contact
details.
Your Card account will be credited once your Cheque has be cleared. Please
Mail your payment well in advance of the due date.
‫ت‬âzâlD¥‫ ا‬W¢V¨ .zVc©¥‫ ا‬،-C ·¥‫¶ إ‬rwT¥‫ ا‬p¨ ‫ء‬WM¥‫ا ا‬T° ‫ل‬âY‫ و إر‬¤fw ·LV³
‫ل‬âfFï‫ ا‬¤´eâxF ²w V´´uF ‫ أي‬p¨ ²C‫ د‬1250 B.e
, ،´c¥‫ف ا‬Ve ‫د‬VM©C ،GzâlC ‫ب‬âZP¥ s¦D©¥‫ف ا‬âi´Y
.‫اد‬TZ¥‫ ا‬Q³‫ر‬âF ¤Dz ‫ف‬⢠Ez‫ و‬²w T³VD¥âC ،Grw‫ل د‬âY‫ء إر‬âLV¥‫ا‬

.‫اد‬TZ¥‫ر ا‬ârb‫ إ‬p¨ ¶³T|¬ s¥âD¨ ywVF ù

pwT¥âC ¶eâS¥‫ت ا‬â©´¦rG¥‫ا‬
MOHAMED REFAAT MOHAMED ELSAYED 5241 XXXX XXXX 6698

amount date signature

or Debit from Mashreq Account No s¦D©¥‫ا‬ Q³‫ر‬âG¥‫ا‬ p´z±G¥‫ا‬
.. §z‫ق ر‬Vc©¥‫ ا‬،-C ¶zâlC ‫ب‬âZP¥ ،´c¥‫ ا‬pwT³
.. §z‫ق ر‬Vc©¥‫ ا‬،-C ‫ى‬T¥ ²CâZO «¨ ¯©fR ‫أو‬

Page 1 of 5
 SmartSaver Credit Card

statement of account
e-statement

Customer name GEORGE JOSEPH Credit card number 5241 XXXX XXXX 6698

transaction date posting date description transaction reference AED amount

¶´¦©r¥‫ ا‬Q³‫ر‬âF ‫ز‬âM¬ï‫ ا‬Q³‫ر‬âF ve‫و‬ ¶´¦©r¥‫§ ا‬z‫ر‬ §°‫ر‬T¥âC s¦D©¥‫ا‬
24/03 26/03 shawarma al karmel brdubai 72305161083372287845303 41.50
29/03 29/03 du bill payment 208418660 30.00
31/03 01/06 du one-timepaydubai 55104671090371004205954 480.14
02/06 02/06 grandiose supermarket llcdubai 75437291092009334448545 13.00
02/06 02/06 grandiose supermarket llcdubai 75437291092009334459419 2.25
03/06 05/06 windmill auh 1abudhabi 72305161093376056029906 106.00
03/06 05/06 luluhypermarket barshadubai 72305161093376092374704 211.25
03/06 05/06 luluhypermarket barshadubai 72305161093376094760504 8.50
03/06 05/06 luluhypermarket barshadubai 72305161093376095554401 45.75
04/06 06/06 carrefour market kojacdubai 72305161094376367246107 15.80
04/06 06/06 fresh parco supermarkedubai 75192271095888821715621 20.73
05/06 05/06 grandiose supermarket llcdubai 75437291095009980899436 6.75
06/06 07/06 sahat al madina hypermdubai 55104671096390433500987 13.00
06/06 07/06 adnoc green com villagdubai 55104671096390930701518 80.00
07/06 07/06 grandiose supermarket llcdubai 75437291097009355987509 51.10
10/06 12/06 triangle supermarketdubai 55104671100364417501083 27.50
13/06 15/06 icai ptnoida 15240581104000000211823 INR 37674.11 1,919.97
15/06 17/06 carrefour city sport cdubai 72305161105380657588100 53.50
17/06 19/06 triangle supermarketdubai 55104671107386384300879 35.00
18/06 20/06 emicool north districtdubai 72305161108381783024504 127.43
18/06 18/06 dewa bill payment 214274855 180.00
18/06 20/06 big value supermarketdubai 75192271109793078797294 23.00
19/06 20/06 grills and more rest fdubai 55104671109302736900181 17.85
19/06 20/06 grills and more rest fdubai 55104671109302736900199 142.60
19/06 19/06 du bill payment 214738314 30.00
20/06 21/06 yateem optician branchdubai 55104671110386150600010 100.00
20/06 22/06 lulu hyper arabian cendubai 72305161110382415241504 205.10
23/06 23/06 du bill payment 215841231 20.00
sub-total 4,007.72
19/06 20/06 card payment----- -thank you 214928574 1,176.53 -
19/06 19/06 card payment----- -thank you 214894434 19.20 -
19/06 19/06 mobile paymentdubai 214889705 1,200.00 -
sub-total 2,395.73 -

Deal Summary ‫ت‬â|xf¥‫ ا‬dS¦¨

Deal Booking Outstanding Outstanding
Type Date Percentage Amount past due Amount Instalment Tenure Instalment amount Expiry date
¶|xf¥‫ع ا‬±¬ WMP¥‫ ا‬Q³‫ر‬âF ¶³±ê©¥‫¶ ا‬DZ-¥‫ا‬ s¦D©¥‫ا‬ ‫وز‬âMG¨ s¦D¨ yPGZ©¥‫ ا‬s¦D©¥‫ا‬ ¶´|DG©¥‫ط ا‬âZzë‫ا‬ ‫ة‬T©¥‫ا‬ ‫ط‬âZzë‫ ا‬s¦D¨ ‫ء‬â®G¬ï‫ ا‬Q³‫ر‬âF

You can now make your monthly Credit Card bill payments at all conveniently located UAE Exchange, Al Ansari, Al Ghurair and Redha Al Ansari, Exchange houses across
the UAE.

Mashreqbank serves the community through our charity program. Donating couldn't be easier - make a payment to account number 010893143394

Page 2 of 5
 SmartSaver Credit Card

Deal Summary ‫ت‬â|xf¥‫ ا‬dS¦¨

e-statement

Deal Booking Outstanding Outstanding

Type Date Percentage Amount past due Amount Instalment Tenure Instalment amount Expiry date
¶|xf¥‫ع ا‬±¬ WMP¥‫ ا‬Q³‫ر‬âF ¶³±ê©¥‫¶ ا‬DZ-¥‫ا‬ s¦D©¥‫ا‬ ‫وز‬âMG¨ s¦D¨ yPGZ©¥‫ ا‬s¦D©¥‫ا‬ ¶´|DG©¥‫ط ا‬âZzë‫ا‬ ‫ة‬T©¥‫ا‬ ‫ط‬âZzë‫ ا‬s¦D¨ ‫ء‬â®G¬ï‫ ا‬Q³‫ر‬âF

EC 12/12/20 18,204.00 0.00 -14,411.51 19 24 -758.50 12/11/22

BT 09/06/20 4,523.00 0.00 0.00 0 12 -376.98 25/06/21
* The deal summary includes deals booked with a payment holiday period too.

You can now make your monthly Credit Card bill payments at all conveniently located UAE Exchange, Al Ansari, Al Ghurair and Redha Al Ansari, Exchange houses across
the UAE.

Mashreqbank serves the community through our charity program. Donating couldn't be easier - make a payment to account number 010893143394

Page 3 of 5
Meaning of terms ‫ت‬âP¦lf©¥‫· ا‬-r¨
Statement Date is the date on which the statement is generated vc£¥‫´¯ ا‬w pDl³ ‫ي‬U¥‫م ا‬±´¥‫ ا‬±° vc£¥‫ ا‬Q³‫ر‬âF
and printed at the end of each billing cycle
pw‫¦|¶ د‬O ¤¢ ¶³â®¬ ²w

Payment Due Date is the last date by which the minimum payment ‫ت‬â|PGZ©¥‫د¬· ¨« ا‬ë‫ ا‬TP¥‫اد ا‬TY ‫ل‬±D|¥ Tq±¨ VR‫ آ‬±° ¶|PGZ©¥‫¶ ا‬rwT¥‫ ا‬Q³‫ر‬âF
needs to be credited to your credit card account.
¶´¬â©Géï‫ ا‬،GzâlC ‫ب‬âZO ·¦q ‫ة‬T´|©¥‫ا‬

Minimum Payment Due is the minimum payment required to be made to

‫ن‬â©i¥ yPGZ©¥‫د¬· ا‬ë‫ ا‬s¦D©¥‫ ا‬±° ‫ق‬â|PGYô¥ ·¬‫د‬ë‫ ا‬s¦D©¥‫ا‬
keep the account current and in good standing. ،CâZO vz±¨ ‫دة‬±L
yPGZ©¥‫د¬· ا‬ë‫ ا‬s¦D©¥‫ ا‬±° ²hâ©¥‫ق ا‬â|PGYï‫ ا‬s¦D¨
Past Due Amount is the minimum payment of the previous balances
due for payment during previous billing cycles which
¯rw‫ د‬BL±³ ‫ي‬U¥‫ ا‬yCâZ¥‫ ا‬T´eV¥‫¨« ا‬
are unpaid and still overdue. ¶q±wT¨ V´t E¥‫ زا‬û‫|¶ و‬CâZ¥‫ ا‬pwT¥‫¦|¶ ا‬O ²w

¶´¦©r¥‫اء ا‬VL‫´¯ إ‬w §F ‫ي‬U¥‫م ا‬±´¥‫ ا‬±° ¶´¦©r¥‫ ا‬Q³‫ر‬âF

Transaction Date is the date the transaction was made.
¶´¦©r¥‫´¯ ا‬w E©¦GY‫ي ا‬U¥‫م ا‬±´¥‫ ا‬±° ¶rwT¥‫ ا‬Q³‫ر‬âF
Posting Date is the date the transaction was received by ¶zâlD¥‫ب ا‬âZO ·¥‫ إ‬â®Gwâh‫§ إ‬F‫ و‬،-D¥‫ ا‬¤Dz «¨
the bank and posted to the card account.

Charges Information ‫م‬±YV¥‫ت ا‬⨱¦r¨

Finance Charges includes cash or retail interest charged to the ·¦q ‫ة‬Téâx¥‫م ا‬±Y‫´¶ أو ر‬z‫ر‬±¥‫ت ا‬û©r¥‫©« ا‬iGF ¶´¥â©¥‫م ا‬±YV¥‫ا‬
card account. ¶zâlD¥‫ب ا‬âZO
Other Charges include, without limitation, annual fees, late ¹‫ة‬VRAG©¥‫ت ا‬ârwT¥‫م ا‬±Y‫ ر‬¹¶³±-Z¥‫م ا‬±YV¥‫ ا‬T³TPF ‫©« دون‬iGF ‫ى‬VRë‫م ا‬±YV¥‫ا‬
payment fees, monthly fee, overlimit fees,
statement reprint fees, returned cheque fees.
¹ ²wâh‫ إ‬vc¢ ¶qâDk ‫م‬±Y‫ ر‬¹TP¥‫وزا‬âMF ‫م‬±Y‫ر‬
¹¶rMFV©¥‫ت ا‬⣴c¥‫م ا‬±Y‫ور‬
VAT Please note that, as per article 64(1)(d) of UAE ¶D³Vh ‫ن‬±¬âz «¨ (d)(1)(64) ‫دة‬⩦¥ ًâ|w‫¶ أ¬¯ و‬oOû©¥‫· ا‬LV³
VAT law, any outstanding amount that is
s¦D¨ ‫ن أي‬àw ¹‫ة‬TPG©¥‫´¶ ا‬CVr¥‫رات ا‬â¨ï‫¶ ا‬¥‫ دو‬²w ¹¶wâi©¥‫|´©¶ ا‬¥‫ا‬ ¶D³Vh
overdue for 6 months will, under FTA
article 64(2), qualify for VAT refund from FTA.
‫ن‬±¬âz «¨ (2)(64) ‫دة‬â©¥‫ ا‬BL±©C‫ و‬¹‫ر‬±®b 6 ‫ة‬T¨ ‫وز‬âMF yPGZ¨
¶wâi©¥‫|´©¶ ا‬¥‫¶ ا‬D³Vh ‫داد‬VGYï ¶¦®‫ ¨ؤ‬¹¶³‫د‬âPFï‫ ا‬Bé‫ا‬Vi¥‫¶ ا‬l¦Y
.¶³‫د‬âPFï‫ ا‬Bé‫ا‬Vi¥‫¶ ا‬P¦f¨ «¨
Interest Calculation Té‫ا‬±x¥‫ب ا‬âZO

All purchase transactions are free of interest from the transaction date
vc£¥‫ ا‬Q³‫ر‬âF ·GO ¶´¦©q ¤¢ Q³‫ر‬âF «¨ Té‫ا‬±x¥‫´¶ ¨« ا‬¥âR ¶´é‫ا‬Vc¥‫ت ا‬â´¦©r¥‫ ا‬¤¢
of each transaction until the statement date and subsequently to the ¶|¦P¥‫ ا‬،¦G¥ ¶|PGZ©¥‫¶ ا‬rwT¥‫ ا‬Q³‫ر‬âF §I «¨‫و‬
payment due date for that billing cycle.

If there is any outstanding balance of unpaid transactions following ‫ق‬â|PGY‫ إ‬Q³‫ر‬âF TrC ‫دة‬TZ©¥‫ ا‬V´t ¶|CâZ¥‫ت ا‬û¨âr©¥‫د ¨« ا‬TZ¨ V´t T´e‫ك ر‬â-° ‫ن‬⢠‫إذا‬
the payment due date, then interest will be charged on the daily ‫ف‬±Y‫ و‬, ‫ت‬û¨âr©¥‫¨¦¶ ¨« ا‬âr¨ ¤¢ Q³‫ر‬âF «¨ ²¨±´¥‫ ا‬T´eV¥‫¦· ا‬q ‫ة‬Téâx¥‫ ا‬¤©PGY pwT¥‫ا‬
closing balance from the date of each transaction. This
will appear on the next statement. ²¥âG¥‫ب ا‬âZP¥‫ ا‬vc¢ ²w ‫ا‬U° V®o³

â³V®b 2.99 % ‫ت‬â³VGc©¥‫¦· ا‬q ‫ة‬Téâx¥‫§ ا‬Y‫ر‬

Interest rate -retail purchase 2.99 % per month
Interest is charged on cash advances from the date of the cash advance ·¥‫ إ‬BPZ¥‫ ا‬Q³‫ر‬âF «¨ ‫ب‬±PZ©¥‫ ا‬s¦D©¥‫ ¨« ا‬¤fPF ‫ة‬Téâx¥‫ا‬
to the date the cash advance has been settled in full. pwT¥‫ ا‬Q³‫ر‬âF
â³V®b 3.75 % ‫ي‬T|-¥‫ ا‬BPZ¦¥ ‫ة‬Téâx¥‫§ ا‬Y‫ر‬
Interest Rate - cash advance 3.75 % per month

Lost/stolen cards (24 hr) 04-424 4444 04 - 424 4444

Cardmember Care line (24 hr) 04-424 4444 04- - 424 4444 ( ¶q âY 24 ) ‫ء‬û©r¥‫¨¶ ا‬TR jR
Call for a change of address, tel no, e- mail 04-424 4444 04 -- 424 4444 ²¬‫و‬VG£¥ï‫ ا‬T³VD¥‫ أو ا‬vF⮥‫§ ا‬z‫ان أو ر‬±-r¥‫ ا‬²w V´´uF «q ‫م‬ûqô¥
Customer Service, Card Services, Mashreqbank, PO Box 1250, Dubai ²C‫ د‬1250 B.e, ‫ق‬Vc©¥‫ ا‬،-C ‫ت‬âzâlD¥‫ا‬,¶¨TR ,‫ء‬û©r¥‫¨¶ ا‬TR
Or visit Mashreqonline www.mashreqbank.com www.mashreqbank.com «³ù ‫ق أون‬Vc¨ ‫رة‬â³WC ¤ixF ‫أو‬
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

What you pay pwTF‫ذا‬â¨

You have the flexibility to pay a minimum of 5% or the outstanding
balance in full, or any amount greater than minimum or less than the
total due.
How you pay
Sign up for the Auto Pay Service where either the minimum or full
payment will be debited from your Mashreqbank account on the
Payment Due Date, subject to the availability of funds.
yPGZ©¥‫ ا‬T´eV¥‫ أو ا‬%5 «q ‫ أو‬¤|³ù ⨠pwT¥ ¶¨‫ز‬û¥‫و¬¶ ا‬V©¥‫ ا‬،³T¥
s¦D©¥‫ع ا‬±©M¨ «¨ ¤z‫د¬· أو أ‬ë‫ ا‬TP¥‫ ¨« ا‬VD¢‫ أ‬s¦D¨ ‫ أو‬, ¤¨â£¥âC
yPGZ©¥‫ا‬
pwTF v´¢
s¦D©¥‫ق أو ا‬â|PGYô¥ ·¬‫د‬ë‫ ا‬s¦D©¥‫ ا‬US‫´ؤ‬Y H´PC ²£´F⨱F‫و‬ë‫ ا‬pwT¥‫¨¶ ا‬TR ²w ‫ك‬VGb‫إ‬
Vw±G¨ s¦D©¥‫ن ا‬⢠‫|¶ إذا‬PGZ©¥‫¶ ا‬rwT¥‫ ا‬Q³‫ر‬âF ²w ¶zâlD¥‫ ا‬T´e‫ ر‬Xx¬ «¨ ¤¨â£¥‫ا‬

Or pay at any branch of Mashreqbank or by a Cash & Cheque ‫اع‬T³ï‫¶ ا‬¥‫ أ‬y³Vk «q ‫ق أو‬Vc©¥‫ ا‬،-C ‫ع‬Vw y³Vk «q pw‫أو إد‬
Deposit machine.

Or send a cheque to Card Services, Mashreqbank, or request a transfer ‫ق‬Vc©¥‫ ا‬²w ‫ت‬âzâlD¥‫ء ا‬û©q ¶¨TR §Zz ·¥‫ إ‬،´c¥‫ ا‬HrC‫أو إ‬
of funds from your Mashreqbank current/savings account using V´w±G¥‫ ا‬/ ‫ري‬âM¥‫ق ا‬Vc©¥‫ب ا‬âZO «¨ ²¥â¨ s¦D¨ ¤³±PF B¦k‫أو ا‬
the payment slip on the other side. .‫ى‬VRë‫´¶ ا‬Oâ-¥‫ ¨« ا‬pwT¥‫¶ ا‬P³Vb ‫ام‬TSGYâC ،C ‫ص‬âS¥‫ا‬

Or simply transfer funds by Mashreq Online. «³ù ‫ق أون‬Vc©¥‫ ¨« ا‬s¦D©¥‫ل ا‬±O ‫أو‬

Page 5 of 5