SmartSaver Credit Card

Statement of account ‫ب‬âZO vc¢

PREETAM SINGH
INTEGRATED PLASTIC PACKING TEC Card No 5241 XXXX XXXX 4855 ¶zâlD¥‫§ ا‬z‫ر‬
P.O.BOX - DUBAI, POBox-37670
AE
Outstanding balance 5,808.46 yPGZ©¥‫ ا‬s¦D©¥‫ا‬
Minimum payment due 1,268.88 yPGZ©¥‫د¬· ا‬ë‫ ا‬s¦D©¥‫ا‬
Dear Customer
Avoid financial charges 3,411.31 ‫م‬±YV¥‫دي ا‬âxG¥ yPGZ©¥‫ ا‬s¦D©¥‫ا‬
e-statement

Thank you for choosing UAE’s smartest card!

Statement date 25/12/2018 ‫ب‬âZP¥‫ ا‬vc¢ Q³‫ر‬âF
Please note that the cashback benefits on your SmartSaver Credit Card
are revised. For more details, visit Mashreq.com/smartsaver. T&C apply. Payment due date 19/01/2019 ‫ق‬â|PGY ï‫ ا‬Q³‫ر‬âF
Spend with your SmartSaver credit card and get: 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

• Up to 6% cashback on online spends through Global Cashback Mart

• Up to 10% cashback at select merchant outlets in the UAE dS¦¨
• Up to 1% cashback on international and domestic spends Summary AED

Previous balance 5,922.54 yCâZ¥‫ ا‬T´eV¥‫ا‬

Please visit Mashreq.com/smartsaver to learn more. T&C apply
- payments 2,370.00 ‫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 2,255.92 ‫ة‬T³TL ‫ت‬û¨âr¨
+ current balance 5,808.46 ²¥âP¥‫ ا‬T´eV¥‫ا‬
+ cash advance 0.00 ¶³T|¬ ¶x¦Y

0.00

New Balance After Cashback Redemption /Adjustments

= outstanding balance 5,808.46 yPGZ©¥‫ ا‬s¦D©¥‫ا‬
+ Total deal instalments 1,156.11 ‫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 30,960.00 ‫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 24,658.67 Vw±G©¥‫ن ا‬â©Géï‫ ا‬BPY TO
.V´´uG¦¥ ¶¦Câz ‫وط‬Vc¥‫م و ا‬â£Oë‫م و ا‬±YV¥‫ ا‬p´©L
Available cash limit 22,788.00 Vw±G©¥‫ي ا‬T|-¥‫ ا‬BPZ¥‫ ا‬TO

Please detach and send with payment to Mashreqbank, Card ¤fw ·LV³
Centre, PO Box 1250, Dubai along with any change of contact ‫و‬
details.
, ،´c¥‫ف ا‬Ve ‫د‬VM©C ،GzâlC ‫ب‬âZP¥ s¦D©¥‫ف ا‬âi´Y ‫ل‬âY‫إر‬
Your Card account will be credited once your Cheque has be .‫اد‬TZ¥‫ ا‬Q³‫ر‬âF ¤Dz ‫ف‬⢠Ez‫ و‬²w T³VD¥âC ،Grw‫د‬p¨‫ل‬âY‫إر‬
‫ء‬WM¥‫ءا‬âLV¥‫ا‬
‫ا‬T°
cleared. Please Mail your payment well in advance of the due ،-C ·¥‫¶ إ‬rwT¥‫ا‬
date.
DO NOT ENCLOSE CASH WITH THE PAYMENT ADVICE W¢V¨ .zVc©¥‫ا‬
.‫اد‬TZ¥‫ر ا‬ârb‫ إ‬p¨ ¶³T|¬ s¥âD¨ ywVF ù
payment instructions ‫ت‬âzâlD¥‫ا‬
pwT¥âC ¶eâS¥‫ا‬ ‫ت‬â©´¦rG¥‫ا‬
¤´eâxF ²w V´´uF ‫ أي‬p¨ ²C‫ د‬1250 B.e
PREETAM SINGH 5241 XXXX XXXX 4855 ‫ل‬âfFï‫ا‬
Cheque No (payable to Mashreq Card A/c...) 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 4
 SmartSaver Credit Card

statement of account
e-statement

Customer name PREETAM SINGH Credit card number 5241 XXXX XXXX 4855

transaction date posting date description transaction reference AED amount

¶´¦©r¥‫ ا‬Q³‫ر‬âF ‫ز‬âM¬ï‫ ا‬Q³‫ر‬âF ve‫و‬ ¶´¦©r¥‫§ ا‬z‫ر‬ §°‫ر‬T¥âC s¦D©¥‫ا‬
24/11 26/11 express blue mart s824dubai 55104678328076918602084 10.50
25/11 27/11 enoc-site no.85dubai 55421688329550443900027 120.05
25/11 26/11 al ajwa minimart ll845dubai 55104678329823971700548 23.22
29/11 30/11 al ajwa minimart ll845dubai 55104678333104004300539 22.96
03/12 05/12 road & transport authodubai 55421688338300525000232 50.00
03/12 05/12 etisalat digital appabu dhabi 55104678337124004908095 5.05
03/12 05/12 al ajwa minimart ll845dubai 55104678337118860800362 18.91
04/12 05/12 al ajwa minimart ll845dubai 55104678338133982000550 28.00
06/12 06/12 n w z westzone supermarkedubai 75437298340005909243761 54.85
08/12 09/12 netflix.com408-724-9160 55207578342200954749258 40.09
09/12 10/12 al ajwa minimart ll845dubai 55104678343825987300470 27.74
11/12 12/12 etisalat digital appabu dhabi 55104678345118007902626 10.00
11/12 12/12 al ajwa minimart ll845dubai 55104678345105991700561 17.00
11/12 12/12 al ajwa minimart ll845dubai 55104678345105991700579 23.11
12/12 14/12 emarat-ibn battuta(686dubai 55421688346531113600344 106.00
12/12 13/12 al ajwa minimart ll845dubai 55104678346101994800523 18.39
13/12 14/12 uni globe general trdgajman 55104678347084346104845 525.15
14/12 14/12 al madina hypermarket llcdubai 75437298348005944614549 888.97
14/12 14/12 al madina hypermarket llcdubai 75437298348005895939002 99.10
15/12 17/12 al ajwa minimart ll845dubai 55104678349078958000554 27.58
20/12 21/12 al ajwa minimart ll845dubai 55104678354094992700572 38.25
21/12 22/12 etisalat digital appabu dhabi 55104678355094004602120 50.00
23/12 24/12 du - quick rechargedubai 55104678357791022312198 25.00
23/12 24/12 al ajwa minimart ll845dubai 55104678357818977600457 26.00
sub-total 2,255.92
05/12 05/12 payments received thru uaefts 54607471 2,370.00 -
sub-total 2,370.00 -

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

EC 15/04/18 3,213.00 0.00 0.00 0 9 -357.06 25/12/18

EC 15/10/18 4,794.00 0.00 -2,397.15 3 6 -799.05 15/03/19

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
 PREETAM SINGH SmartSaver Titanium Credit Card Vx´Y ‫رت‬â©Y ‫م‬±´¬âG´F ‫ن‬â©Gé‫¶ ا‬zâlC
INTEGRATED PLASTIC PACKING TEC
P.O.BOX - DUBAI, POBox-37670 Account No 000068196638 ‫ب‬âZP¥‫§ ا‬z‫ر‬
AE Statement Date ‫ب‬âZP¥‫ ا‬vc¢ Q³‫ر‬âF
25/12/2018

Customer Name PREETAM SINGH

Category Total Amount Spent Cash Back Cash Back Earned

e-statement

¶êw ‫ت‬â|x-¦¥ ¶´¥â©Lï‫|´©¶ ا‬¥‫ا‬ % ‫ي‬T|-¥‫ع ا‬âLVGYï‫¶ ا‬DZ¬ pMFV©¥‫ي ا‬T|-¥‫ ا‬s¦D©¥‫ا‬
Opening Balance 0.00 90.62
Domestic Spends 2,280.92 0.5% 11.42
Total (Base Cashback) 0.00 11.42
Total (Bonus Cashback) 0.00 0.00
Closing Balance 0.00 102.04

Page 3 of 4
Meaning of terms
Statement Date
Payment Due Date
Minimum Payment Due is the minimum payment required to be made to
keep the account current and in good standing.
Past Due Amount
Transaction Date
Posting Date
Charges Information
Finance Charges
Other Charges
VAT
Interest Calculation
‫ت‬âP¦lf©¥‫· ا‬-r¨
is the date on which the statement is generated ‫م‬±´¥‫ ا‬±° vc£¥‫ ا‬Q³‫ر‬âF
and printed at the end of each billing cycle vc£¥‫´¯ ا‬w pDl³ ‫ي‬U¥‫ا‬
¶|¦O ¤¢ ¶³â®¬ ²w
pw‫د‬
is the last date by which the minimum payment ±° ¶|PGZ©¥‫¶ ا‬rwT¥‫ ا‬Q³‫ر‬âF
needs to be credited to your credit card account. VR‫آ‬
Tq±¨
‫اد‬TY ‫ل‬±D|¥
±° ·¬‫د‬ë‫ ا‬s¦D©¥‫ا‬
‫ت‬â|PGZ©¥‫¨« ا‬ ·¬‫د‬ë‫ا‬ TP¥‫ا‬
·¬‫د‬ë‫ا‬ s¦D©¥‫ا‬ ‫ق‬â|PGYô¥
،GzâlC ‫ب‬âZO
‫ن‬â©i¥·¦q ‫ة‬T´|©¥‫ا‬
yPGZ©¥‫ا‬
،CâZO vz±¨¶´¬â©Géï‫ا‬
‫دة‬±L±° ²hâ©¥‫ق ا‬â|PGYï‫ ا‬s¦D¨
is the minimum payment of the previous balances ·¬‫د‬ë‫ ا‬s¦D©¥‫ا‬
due for payment during previous billing cycles which
are unpaid and still overdue.
yPGZ©¥‫ا‬
Ǭ
yCâZ¥‫ما‬±´¥‫ا‬
T´eV¥‫ا‬±° ¶´¦©r¥‫ ا‬Q³‫ر‬âF
is the date the transaction was made. ¶´¦©r¥‫اء ا‬VL‫إ‬
¯rw‫´¯ د‬w
BL±³§F ‫ي‬U¥‫ا‬
‫م‬±´¥‫ ا‬±° ¶rwT¥‫ ا‬Q³‫ر‬âF
is the date the transaction was received by ¶|¦O
¯´w E©¦GY‫ي ا‬U¥‫ا‬ ²w
the bank and posted to the card account. ¶q±wT¨ V´t E¥‫ زا‬û‫|¶ و‬CâZ¥‫©¦´¶ا‬r¥‫ا‬
pwT¥‫ا‬
¤Dz «¨ ‫م‬±YV¥‫ت ا‬⨱¦r¨
includes cash or retail interest charged to the â®Gwâh‫إ‬
·¦q ‫ة‬Téâx¥‫م ا‬±Y‫´¶ أو ر‬z‫ر‬±¥‫ا‬ §F‫©«و‬iGF
‫ت‬û©r¥‫ا‬ ،-D¥‫ا‬ ¶´¥â©¥‫م ا‬±YV¥‫ا‬
card account. ¶zâlD¥‫ا‬ ‫ب‬âZO
¶zâlD¥‫ا‬ ‫ب‬âZO·¥‫إ‬
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, ¹ ²wâh‫ إ‬vc¢ ¶qâDk ‫م‬±Y‫ ر‬¹TP¥‫وزا‬âMF ‫م‬±Y‫ر‬
statement reprint fees, returned cheque fees. ¹¶rMFV©¥‫ت ا‬⣴c¥‫م ا‬±Y‫ور‬
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 ‫ن‬±¬âz «¨ (2)(64) ‫دة‬â©¥‫ ا‬BL±©C‫ و‬¹‫ر‬±®b 6 ‫ة‬T¨ ‫وز‬âMF yPGZ¨
article 64(2), qualify for VAT refund from FTA. ¶wâi©¥‫|´©¶ ا‬¥‫¶ ا‬D³Vh ‫داد‬VGYï ¶¦®‫ ¨ؤ‬¹¶³‫د‬âPFï‫ ا‬Bé‫ا‬Vi¥‫¶ ا‬l¦Y
.¶³‫د‬âPFï‫ ا‬Bé‫ا‬Vi¥‫¶ ا‬P¦f¨ «¨
Té‫ا‬±x¥‫ب ا‬âZO

All purchase transactions are free of interest from the transaction date
‫ت‬â´¦©r¥‫ ا‬¤¢
of each transaction until the statement date and subsequently to the «¨ ¶´¥âR ¶´é‫ا‬Vc¥‫ا‬
payment due date for that billing cycle. ·GO ¶´¦©q ¤¢ Q³‫ر‬âF «¨ Té‫ا‬±x¥‫ا‬
vc£¥‫ ا‬Q³‫ر‬âF
If there is any outstanding balance of unpaid transactions following ‫إذا‬
«¨‫و‬
the payment due date, then interest will be charged on the daily V´t T´e‫ك ر‬â-° ‫ن‬⢠§I
closing balance from the date of each transaction. This ‫د‬TZ¨
will appear on the next statement.
،¦G¥ ¶|PGZ©¥‫¶ ا‬rwT¥‫ ا‬Q³‫ر‬âF
TrC ‫دة‬TZ©¥‫ ا‬V´t ¶|CâZ¥‫ت ا‬û¨âr©¥‫ا‬ «¨
¶|¦P¥‫ا‬
‫ق‬â|PGY‫ إ‬Q³‫ر‬âF
â³V®b 3.45 % ‫ت‬â³VGc©¥‫¦· ا‬q ‫ة‬Téâx¥‫ ا‬pwT¥‫ا‬ §Y‫ر‬
Interest rate -retail purchase 3.45 %per month
Interest is charged on cash advances from the date of the cash advance Q³‫ر‬âF «¨ ‫ب‬±PZ©¥‫ا‬ T´eV¥‫ا‬
s¦D©¥‫¦·ا‬q
«¨‫ة‬Téâx¥‫ا‬
¤fPF¤©PGY ‫ة‬Téâx¥‫ا‬
to the date the cash advance has been settled in full. ²¨±´¥‫ا‬
Q³‫ر‬âF ·¥‫ إ‬BPZ¥‫ا‬
Ǭ
pwT¥‫ا‬
â³V®b 3.75 % ‫ي‬T|-¥‫ ا‬BPZ¦¥ ‫ة‬Téâx¥‫ا‬Q³‫ر‬âF §Y‫ر‬
Interest Rate - cash advance 3.75 % per month
, ‫ت‬û¨âr©¥‫¨¦¶ ¨« ا‬âr¨ ¤¢
Lost/stolen cards (24 hr) 04-424 4444 -
04 424 4444 ²¥âG¥‫ا‬ ‫ب‬âZP¥‫ا‬ vc¢ ²w ‫ا‬U° V®o³ ‫ف‬±Y‫و‬
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 §z‫ان أو ر‬±-r¥‫ ا‬²w V´´uF ‫م‬ûqô¥
Customer Service, Card Services, Mashreqbank, PO Box 1250, Dubai , ,¶¨TR
‫ أو‬vF⮥‫ا‬
,‫ء‬û©r¥‫¨¶ ا‬TR «q
Or visit Mashreqonline www.mashreqbank.com www.mashreqbank.com ²¬‫و‬VG£¥ï‫ ا‬T³VD¥‫ا‬
،-C ‫ت‬âzâlD¥‫ا‬
¤ixF ‫أو‬
«³ù ‫ق أون‬Vc¨ ‫ق‬Vc©¥‫ا‬
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
‫رة‬â³WC
What you pay ²C‫ د‬1250 B.e pwTF‫ذا‬â¨
You have the flexibility to pay a minimum of 5% or the outstanding % ¶¬‫و‬V©¥‫ ا‬،³T¥
balance in full, or any amount greater than minimum or less than the 5 «q ¤|³ù ⨠pwT¥ ¶¨‫ز‬û¥‫ا‬
total due. T´eV¥‫أو ا‬
How you pay yPGZ©¥‫ا‬
pwTF v´¢
«¨ VD¢‫ أ‬s¦D¨ ‫ أو‬, ¤¨â£¥âC
Sign up for the Auto Pay Service where either the minimum or full s¦D©¥‫ ا‬US‫´ؤ‬Y H´PC ²£´F⨱F‫و‬ë‫ ا‬pwT¥‫ا‬
«¨ ¤z‫¨¶أ‬TR ²w ‫ك‬VGb‫إ‬
‫د¬· أو‬ë‫ا‬ TP¥‫ا‬
payment will be debited from your Mashreqbank account on the s¦D©¥‫ا‬ ‫أو‬ ‫ق‬â|PGYô¥ ·¬‫د‬ë‫ا‬
Payment Due Date, subject to the availability of funds. yPGZ©¥‫ ا‬s¦D©¥‫ع ا‬±©M¨
¤¨â£¥‫ا‬
Xx Ǭ
Or pay at any branch of Mashreqbank or by a Cash & Cheque Q³‫ر‬âF ²w ¶zâlD¥‫ ا‬T´e‫ر‬ ‫أو‬
Deposit machine. ‫ق‬Vc©¥‫ن ا‬â¢
،-C ‫إذا‬
‫ع‬Vw¶|PGZ©¥‫ا‬
y³Vk «q¶rwT¥‫ا‬
pw‫إد‬
‫اع‬T³ï‫¶ ا‬¥‫ أ‬y³Vk s¦D©¥‫ا‬
«q ‫أو‬
Or send a cheque to Card Services, Mashreqbank, or request a transfer HrC‫أو إ‬
of funds from your Mashreqbank current/savings account using ²w ‫ت‬âzâlD¥‫ء ا‬û©q ¶¨TR §Zz ·¥‫ إ‬Vw±G¨
،´c¥‫ا‬
the payment slip on the other side. ‫ق‬Vc©¥‫ا‬
«¨ ²¥â¨ s¦D¨ ¤³±PF B¦k‫أو ا‬
Or simply transfer funds by Mashreq Online. / ‫ري‬âM¥‫ق ا‬Vc©¥‫لا‬±O‫ب‬âZO ‫أو‬
V´w±G¥‫ا‬
s¦D©¥‫ا‬
Page 4 of 4 ،C ‫ص‬âS¥‫ا‬
«³ù ‫ق أون‬Vc©¥‫ا‬ «¨