Visa Miles & Smiles
0%
Installment up to
24 months
3
Miles/JOD
Your Passport to Memorable Travel Experiences. Earn Miles every time you use the Miles&Smiles INVESTBANK Credit Card!
Key Features
Key features
- Redeem Miles: 3 Miles/ 1 JOD; and 4 Miles / 1 JOD with Turkish Airlines and Star Alliance
- Flexible Payment Plan (FPP): 0% interest on purchases of JOD 100+, for up to 24 months, with a one-time fee.
- Lounge Access: access 1,000+ lounges worldwide.
- 24/7 Concierge: Travel support.
- Miles Validity: 3 years.
- Monthly Payment Flexibility: 4% or full, min JOD 20.
- Credit Card Balance Transfer: Transfer your credit card balance up to 13 months at 0% interest, with a one-time fee.
- Travel and insurance perks: Enjoy peace of mind with Visa travel benefits and insurance coverage every time you fly.
Key Features
- Earn Miles Easily: Get 3 Mile for every 1 JOD spent on your card.
- Double Your Miles: Get 4 Miles for every 1 JOD spent with Turkish Airlines or Star Alliance partners.
- Automatic Miles Accumulation: Earn Miles directly to your account for your next adventure.
- Card Balance Transfer Options: Transfer your credit card balance to Miles & Smiles INVESTBANK and choose a settlement plan.
- Share the Rewards: Redeem Miles for flights or upgrades for you and your loved ones.
- Flexible Payments Plan (FPP):0% interest on purchases, repay over 24 months. . Learn More.
- Empower Your Cash Flow: Benefit from quick access to funds when you need them with our instant Balance transfer programs through iBank.
- Enjoy Ongoing Special Offers VIP Travel Privileges: Access 1,000+ lounges worldwide(subject to $1 usage). More information
- Download Visa Airport Companion App to access the lounges and keep track of your visits
Transaction and Usage Details
- Currency: JOD
- Tap to Pay (Contactless): Up to JOD 100 per transaction, JOD 300 daily limit.
- Visa Secure: Online payments with one-time password protection
- Dynamic Currency Conversion (DCC): 2% fee, with a minimum of JOD 2; (N/A for e-commerce transactions).
- Age Requirements: 21-65 for primary cardholders, and 16 for supplementary cardholders.
Benefits
- Credit Shield (Insurance): 0.1%, minimum JOD 1.
- Grace Period: Up to 45 days interest-free
- Effortless Account Control: Manage your credit card via INVESTBANK’s internet banking or iBank.
- Paper Statements: JOD 1 per card or free iStatement via iBank.
- Purchase Protection: Protect your purchases over USD 100 bought within one year.
- Extended Warranty: Extend coverage on eligible purchases.
Commissions and Fees
- Annual Fees:
First Year: Free first year.
Renewal JOD 120 for Signature, JOD 200 for Infinite - Supplementary Cards: Maximum of 5, free of annual fees.
- Monthly Payment: 4% of the balance (minimum of JOD 20) or 100% full payment.
- Cash Withdrawal Fee: 4% of the withdrawal amount, with a minimum of JOD 10.
Additional Fees
- Late Payment Fee: JOD 15
- Over-Limit Fee: JOD 15
- Card Replacement Fee: JOD 25 for Signature and Infinite
- PIN Replacement Fee: JOD 10 for Signature and Infinite
- Dispute Fees (False Claims): JOD 5
- Credit Card Balance Transfer Fees:
13 months for the first time: 5% subject to a minimum of 50 JOD.
Re- purchasing/transferring Credit Card balance through iBank /6 months: 5% subject to a minimum of 50 JOD.
Re-purchasing/ transferring Credit Card balance through iBank /13 months: 8% subject to a minimum of 80 JOD.
Terms and Conditions for Your Convenience
- 50% off : Start your premium travel experience with our Signature or Infinite Miles&Smiles Credit Cards.
- Seamless Rewards Accumulation: Miles earned on supplementary cards are automatically added to your primary account.
- Miles Valid for 3 Years: Accumulate and redeem your Miles within 36 months.
- Instant Miles: Miles are added to your Miles & Smiles account right after your monthly statement is issued.
- Exclusions: Miles are not earned on reversed, cancelled, or instalment-based purchases using the Flexible Payment Plan Program.
Discover More
- Learn all about the Miles & Smiles program and its benefits on the Turkish Airlines Miles & Smiles Program Page.
- For questions or any assistance, reach out to Turkish Airlines Contact Center.
- For additional details about the Miles & Smiles INVESTBANK Credit Card, stop by any INVESTBANK branch or call +962 6 500 1515.
Request a credit card
Steps to request a credit card digitally:
- Download our mobile application iBank and choose "Request a credit card"
- Enter your personal information (national number and phone number).
- Agree to the credit card terms and conditions.
- A one-time password (OTP) will be sent to your registered mobile number with the bank.
- Scan your personal ID, then verify using face recognition.
- The bank will deliver your debit card and/or credit card to your address so that you can complete the bank account settings to benefit from the mobile banking application services and start your banking journey.
Steps to opening an account digitally:
- Download the iBank mobile application and choose "Open Account"
- Enter your personal information (national number and phone number).
- Agree to the terms and conditions for opening the account.
- A one-time password (OTP) will be sent to the registered mobile number with the bank.
- Scan your ID, then verify using face recognition
Follow the necessary steps to complete the account opening process. - The bank will deliver the debit card to your address so that you can complete the bank account settings to benefit from the mobile banking application services and start your banking journey.
How to apply for a credit card