SmartSaver Credit Card

e-statement

MADHU RAPETI
ONE LAKE PLAZA, 8TH FLR
P.O.BOX DUBAI, POBox 63932
UNITED ARAB EMIRATES, DUBAI

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Statement of account

Dear Customer

The SmartSaver Credit Card is UAEs only Every Day Savings card that
offers you cashback of up to 10% on every day spends at over 450
partner outlets across 50
brands in 15 categories including
Supermarkets, Home Furnishings, Fashion & Accessories, Health &
Wellness, Auto Rentals & Accessories, Travel, Jewelry and much
more. In addition, you can also save 5% on utility and education
expenses and 1.25% on all other purchases within the UAE. Visit
Mashreq.com/smartsaver. T & C apply.

Card No

5241 XXXX XXXX 1715

Outstanding balance

8,185.62

Minimum payment due

1,549.00

Avoid financial charges

1,870.62

Statement date

12/11/2015

Payment due date

Immediate

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

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Summary

AED

Previous balance

7,721.90

- payments

0.00

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- other credits

0.00

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+ finance charges

0.00

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+ other charges

463.72

Presently your account is overlimit by 185.62 dirhams. please remit the

minimum payment at the earliest in order to avoid further overlimit

+ new transactions

0.00

fees.

+ current balance

8,817.12

Your total epp outstanding balance is AED 7,578.00

+ cash advance

0.00

For the full list of select partner

mashreq.com/smartsaver.

outlets, please

visit

Your account is past due. Please remit the minimum due at the earliest.
To avoid late payment charges, pay directly to your card account or
maintain minimum due amount in your mashreqbank account on the
payment due date.

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New Balance After Cashback Redemption /Adjustments

You should verify the items and balances shown on this
statement of account and report any discrepancies to the bank
in writing within 14 days of the statement date, otherwise the
content will be assumed to be accurate.
All charges, terms and conditions are subject to change.
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+ Total deal instalments

631.50

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Past due amount

681.50

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Total credit limit

8,000.00

Available credit limit

0.00

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Available cash limit

0.00

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Please detach and send with payment to Mashreqbank, Card

Centre, PO Box 1250, Dubai along with any change of contact
details.

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Your Card account will be credited once your Cheque has be cleared. Please
Mail your payment well in advance of the due date.

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DO NOT ENCLOSE CASH WITH THE PAYMENT ADVICE

payment instructions
MADHU RAPETI

5241 XXXX XXXX 1715

Cheque No (payable to Mashreq Card A/c...)

or Debit from Mashreq Account No

amount

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8,185.62

= outstanding balance

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Page 1 of 4

date

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signature

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SmartSaver Credit Card

e-statement

statement of account
Customer name

Credit card number 5241 XXXX XXXX 1715

transaction date posting date

description

transaction reference

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AED amount

12/11

12/11

credit shield nov 2015

12/11

12/11

late payment fee

395.00

sub-total

463.72

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68.72

Deal Summary
Deal
Type
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EPP
EPP

Booking
Date
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08/10/15
10/10/15

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Percentage
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Amount
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5,879.00
1,699.00

past due
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489.92
141.58

Outstanding
Amount
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5,389.08
1,557.42

Outstanding
Instalment
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10
10

Tenure
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12
12

Instalment amount
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Expiry date
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489.92
141.58

12/10/16
12/10/16

* 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 2 of 4

e-statement

SmartSaver Titanium Credit Card

Account No

000065605038

Statement Date

12/11/2015

Customer Name

MADHU RAPETI

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Category

Cash Back Earned

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Opening Balance

94.73

Total (Base Cashback)

0.00

Total (Bonus Cashback)

Activation Bonus

0.00

10%

50.00

Closing Balance

144.73

Page 3 of 4

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Meaning of terms
Statement Date

is the date on which the statement is generated

and printed at the end of each billing cycle

Payment Due Date

is the last date by which the minimum payment

needs to be credited to your credit card account.

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

keep the account current and in good standing.
Past Due Amount

is the minimum payment of the previous balances

due for payment during previous billing cycles which
are unpaid and still overdue.

Transaction Date

is the date the transaction was made.

Posting Date

is the date the transaction was received by

the bank and posted to the card account.

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Charges Information

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Finance Charges

includes cash or retail interest charged to the

card account.

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Other Charges

include, without limitation, annual fees, late

payment fees, monthly fee, overlimit fees,
statement reprint fees, returned cheque fees.

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Interest Calculation

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All purchase transactions are free of interest from the transaction date
of each transaction until the statement date and subsequently to the
payment due date for that billing cycle.

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If there is any outstanding balance of unpaid transactions following

the payment due date, then interest will be charged on the daily
closing balance from the date of each transaction. This
will appear on the next statement.

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Interest rate -retail purchase 4.25 % per month

Interest is charged on cash advances from the date of the cash advance
to the date the cash advance has been settled in full.

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04-424 4444

Call for a change of address, tel no, e- mail

04-424 4444

04-- 424 4444

Customer Service, Card Services, Mashreqbank, PO Box 1250, Dubai

Or visit Mashreqonline

4.09 %

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www.mashreqbank.com
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04 -- 424 4444
- - 424 4444
04

04-424 4444

Cardmember Care line (24 hr)

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Interest Rate - cash advance 4.09 % per month

Lost/stolen cards (24 hr)

4.25 %

www.mashreqbank.com

-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

What you pay

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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.

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Or pay at any branch of Mashreqbank or by a Cash & Cheque

Deposit machine.

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Or send a cheque to Card Services, Mashreqbank, or request a transfer

of funds from your Mashreqbank current/savings account using
the payment slip on the other side.
Or simply transfer funds by MashreqOnline.

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