Dubai First
Reviews and Complaints

This is complaint against employee Mr. Amandeep of recovery team. He calls for reminder of EMI and while i try to reason with him for a delayed payment looking for a solution, this raging employee doesnt hear a word only to rant the problem on loop with huge EGO. Forgets his place and gets into personal life, continues to rant after several warnings. At last when i requested him to get another member on my case, he takes egoistic call on escalating my file to credit bureau, calls my HR and gives false information to my company, send text msg on card blocks, threatens while we were in middle of deciding a date for payment. This outrageous behaviour and instigation of events was uncalled for and so insulting.

A guy from Dubai first bank called me several times offering me a low interest rate on instalment on my credit card. I declined their offer several times and then they called again and again offering better offer until he mislead me/trapin and I agreed to take the offer based on the misleading information that he provided regarding the fees and interest

I then called them to close my account and I paid all the outstanding balance where they told me that I need to pay 11000 interest on 45 month installment plan! Only 3 months past from the time when I got this plan and now they are asking me to pay interest for 45 months!

There two point to make it clear here:

First: this guy did not mention the interest amount, he just mentioned the rate and he did not mention per month or year!

He did not tell me how much I should pay as whole amount, he avoided this, he was just saying rate! I thought it is per annum and per month as in Australia. He did not say that I should pay interest for the whole period he said once I pay my account in full I will be out of the installment

I called Dubai first, I believe this their strategy, they trap people, they steel people

Dear Sir
I have been issued a credit card linked to account bearing number [protected]. I have been using this Dubai first credit card from the past 1 year and have been very satisfied with your services and rendered by your bank .But due to they reduced my salary from last two months. Before my salary is 7000 AED and now am getting salary is 3000 AED without Accommodation. So i can't to pay with this whole amount please give me any option from my this situation.
The Card Details are as specified below:
Name of Card: JOYAL MATHEWCard Number: [protected]
Date of Expiry: DEC 2021Card Type: TITANIUM
Hope the needful will be done.
Thank You.Yours SincerelyJoyal Mathew

Hi Dubai First, It has been more than 14 days that I have been following up with the closure of my credit card which was never used at all since 2017. You can see the whole record history in your system. My auto loan in on hold because this card is still showing active in my AECB report. I am calling every day to request to send my report to central bank no action so far from your side. I will lose 25% of my down payment by 15th Oct if this card is showing as closed in AECB. Till now the bank has not sent my report to central bank. Please look into my request as an exception otherwise I really have to use other channels to show your negligence and misguiding your customers.

I hereby complaint regarding the bank statement generated for Dubai First card number [protected] under account name of Caster L. Rivera as on September 12, 2019, due to discrepancies calculation based from total payment amount due compared with retail purchase, other billing and installment plan.. It was not in Tally and wrong calculation has been made when I called from the Customer Service today 10/01/2019 around 6:30PM.. Even from the customer service itself struggling to explain how could not match the total payment due. Based on the generated statement i have to pay AED4, 436.78, however, when i was calculating all retail expenses and installment, etc. In detailed the overall charges should be AED3, 687.20.. I was asking the customer service to explain how could there will be difference of AED749.58 since it was included from the statement the overlimit charges of AED275..
Please note that I have previous overlimit transactions but it was never happened this kind of huge descripancies.. please refer on enclosed previous statement dated 06/12/2019 comparing the current statement 09/12/2019.The customer service did not provide client number for your information. We request to generate the updated statement before my due date 10/07/2019.

Please response on email at cindy.[protected]@gmail.com / [protected]@yahoo.com

Looking forward on your immediate action and result on this matter.

Regards,
Caster Rivera
Complainant

In April 2018, I was offered a free for life Dubai First credit card.
I used it regularly from April 2018 to July 2018. And I was able to pay all the outstanding amount.
From July 2018 until August 2018, the outstanding balance was around 8700 dhs.
That's when I got a call from a Dubai First employee telling me I can apply for a Smart Payment Plan.
Unfortunately, I did not quite understand all the terms and conditions. Even though the employee mentioned the charges and fees of the payment plan, at that time I agreed without fully understanding the consequences of closing or cancelling the plan early.

Furthermore, I used the credit card excessively between August 2018 and September 2018. I made a total purchase of 14000 dhs.
Again, I received a phone call from another Dubai First employee telling me I can apply for a Smart Payment Plan. Without hesitation, I asked for the same payment plan I had applied for the previous month.

In January 2019, I had enough money to pay off all my outstanding balance. I called Dubai First to ask for early closure of the two Smart Payment Plans. To my utter shock, I was told I had to pay ALL the interest charges of the duration I applied for (4 years). The employee told me I had to pay my outstanding amount and on top of that an additional 27000 dhs interest charges!
Dubai First wants me to pay them 27000 dhs as "punishment" for wanting to close the payment plan 3.5 years earlier!

I went to Dubai First office to handle this matter and I was informed there was nothing they can do. Because I had agreed to the terms and conditions and there was a recording of the phone calls as proof! I tried to explain that I wasn't aware of the full amount I would be charged as cancellation fees. But it was no use.

I just want to pay off my outstanding balance ASAP and cancel the credit card without paying extra interest charges.

Im being promised from one year that their dubai first online miles website will be updated and i cant book the tickets through miles from past one year they promised me that it will be up in a month thn a week thn again a month and they keep on extending the days and its not up still fed up of this need my money back, my number is [protected]! im being complaining again and again and i get the reply it will be up in sometimes or ull get ur money back and i dint got a single penny back nor the website is up my 90k miles are just of no use now

the biggest scam in UAE Dubai first, they lie on their customers, they do not even follow the central bank rules, they called me there is a fraud transaction happening on my credit card and they ask me to fill a dispute forum then saying I can not claim my money back, come on you the one who called me because you are sure I'm not the one who did this transaction and it happens in somewhere outside UAE while I was in Dubai and you called me because you were sure it was not me, now it is my fault, if someone knows how I can file a case against them please let me know where

Credit card offered me 25k airmiles and free annual pass to Dubai parks and resorts. After 3 months I didn't get my free airmiles they promised. On calling customer care they are saying I'm not eligible for it with weird reasons which was never communicated to me while selling the card. Accidental insurance fee is charged every month and the customer service is saying its default. Unprofessional way of doing business. As of now I have spend 130dhs to make calls and communicate with their customer service. They don't have a toll free number either. One of the customer service executive disconnected the call while explaining the concerns.

Hello team,
I am a dubai first moments titanium master card holder
Today I called the call center, I requested to pay the full outstanding amount of the card and here is the surprise! She said that total outstanding balance is 17300 aed but I have to pay 5300 aed extra for the credit card... Whats is this? She said that this is the fact and I have to pay more than 23, 000 in total to close my outstanding balance but how come?
I did not get this information when I requested the service, I have been said that I have been given all the required information but no one told me this detail, you can confirm this in the records Other credit card I pay only the outstanding amount plus 100 aed for closure fees and 1 month interest, why is it different here?

Hi,

Due to the false promise made by one the agent of Dubai First, I took the credit card .

I was told to do the shopping of 2000 AED then we will give you IMG World 1-year free pass.

I transferred my credit card bill thru FAB bank on 2nd July and the payment due date was 4th July.

Later on Dubai first told that they have not received the amount and they put unnecessary many late charges .
I called almost 50 times to them and then they told to do the payment once again thru ENBD ATM.
I did the payment and they I was asked by Dubai first to pay more than 500 AED for the late payment charge/Insurance charge, finanace charge, vat charge etc.

After more than 15 e-mails and many calls they agreed to do the reversal of 275 AED and I was asked to pay the 251.1 AED extra (for which I didn't purchase even one AED things) .
After paying the 260 AED, when I requested to cancel the card then I was told by Dubai first that they will not cancel the card, and I have to keep the card for the next 6-month. When I asked these terms and condition were not conveyed to me then the customer representative asked me that "This is our bank policy, we don't convey this message ".

Dubai first is really harassing me financially and mentally . This is the worst card and bank I have ever seen .

Please help me to get rid of this card and to get my unauthorized charges which Dubai First credit card has taken.

Thank you.
Regards,
Kishore Mishra
[protected]

If someone at all in DubaiFirst is reading this i hope UAE government fines you enough for your company to go bankrupt. You don't deserve to practice business anymore with all these abuse, unethical procedure and abhorrent charges you're asking your customers to pay.

Your sales person mislead me by not clearly mentioning what offer i'm getting myself into. Intentionally conditioning my mind i'm taking the similar offer for the similar amount i have taken a few months back so i would never doubt him but then not clearly saying what installment plan i'm taking in the 4 minute phone call and intentionally omitting the number of months on the SMS so i wouldn't have an opportunity to think and say no.

Logically, nobody would have ever agreed to put on 48-month installment plan a 4575 dirhams purchase. No person in the right mind who heard it clearly would agree to that. Why would anyone be willing to pay almost 5100 interest spread over 48 months when you are historically over 2 years paying 2500-3500 monthly. Sales person obviously deceived the customer yet here's the customer service unwilling to remove charges, unwilling to let you pay in full only your outstanding without the interest that was never clearly mentioned anyway.

In what world does any bank or financial institution does that? An institution without integrity and credibility like Dubai First perhaps.

You're using language barrier, customer's stupidity and the fact that majority of the transactions are by phone with so much left unsaid to manipulate and take advantage of the customer.

I hope your customers will never stop filing their complaint with UAE Central Bank and if possible file a class lawsuit to revoke your business license so you could no longer operate and take advantage of honest people who are working hard and trying to live a decent temporary life in UAE.

I have applied for a "Visa Infinite" credit card with Dubai First on 18th May 2019 with Sales officer (Mr. Usman 052-6525488) but when I received it was a lower tier card (Master). I raised a complaint with sales officer regarding miscommitment and he confirmed again that the "Visa Infinite" card approval is already in place and wrong card was delivered because of a human error. I waited for him till 21st June and raised a complaint with the bank against this mis-selling and miscommitment. In response to the complaint, I received a call from Usman's manager, Mr. Rafaqat - 055-6864339 and he also confirmed that he will own the complaint and close it with the required solution i-e delivery of "Visa Infinite" card. Unfortunately, he also lied and on my follow-ups with him, he was unresponsive and finally just told that my complaint is closed and application is rejected - alas! Though this was not the actual case.

I am still following up with the banks call centre and the update is always the same "Complaint is open and approval is still pending". Unfortunately, customer services of this institution is the worst i have ever experienced. I dont want their card but I am still following up with them so that a necessary action can be taken against the culprit and other innocent customers can be safeguarded.

I was offered a Dubai First Credit card with 1500 AED annual fees.
the rewards promised were 4 Dubai Parks and Resorts passes and 50000 Dubai First joining miles.

Its been 2 months since I paid my Annual fees but my rewards have not been honored despite frequent calls and reminders.

How can banks cheat customers like this.?

the senior Team leader is not answering my emails and Customer Care tells me such offer does not exist.

Dear Sir

Your Bank representatives MAYSA MOHAMMED / JISHA JOSEPH - First Abu Dhabi Bank not responding to my emails even after several reminders to know current outstanding, next due amount for full and final settlement of my Dubai First credit card.
Kindly assign a responsible person of your Bank to deal my case and please contact to my India number.

Thanks & Regards,

P.R.NAGARAJAN
+91 - [protected]

I am a Dubai first bank customer since 5years now. This is the worst credit card I have ever deal with initially they will come with high credit limit offers and other stupid offers. Then start your time to never-ending process. There charge yearly some amount which initially they say its free of charges and they have inappropriate charging of late payment fee in which none of the banks in UAE charges that way. I was thinking to cancel this card since sometimes now, finally did it. But again highly don't recommend Dubai first bank credit cards to anyone here in UAE.

All the false information provided to me to sell Dubai First (Dubai Parks & Resorts) credit card.
1. The Card is Lifetime free - However, after 1 year the bank will charge me some amount.
2. Access to the Bollywood park is totally free - If I am not wrong will get 25 to 50 % discount.
3. One on One free movie ticket - Need to spend 2000 Dhiram than will get this offer which was not told earlier.
4. I called customer support to cancel this card and now they are harassing me and not canceling this card.

Dear All,

I would say that the worst credit card we have in UAE is Dubai first credit card. Please its my humble request to all who are going to apply credit card please dont take Dubai first credit card...

They will tell many things in the beginning but later they will add many additional charges for no valid reason...And if we are going to complain they will tell it was mentioned in the application form.

Hope this information will to escape from a big trap. ( Rating -0)

Regards,
Mibin
[protected]

لقد تعرضت للنصب والخديعه من قبل هذه الشركه التي لم تصلح ان تكون شركه تمويل لا يوجد لديهم تدريب لخدمه العملاء كبف يتحدثون مع العملاء كمان انهم نصبوا علي لا احد منهم قالي لي علي دفع مبالغ لا اعلم بها وقمت بوقف القرض وقاموا بارساله لي لدفعي مبالغ زائده لقد زهبت للبنك المركزي لعمل شكوي هذا اسوء تجربه حصلت معي في اي بنك كما انهم رفضوا ان يقوموا بقفل البطاقهً لي

Customer Name: Rose Anne Manlapaz

I paid my due date on 3 June 2019 through online and it was debited against my bank account on the same date which is before my credit card due. The customer care (Cassandra) and her manager said the reason for late payment due is because of EID. They should not charge me any late payment fee as i paid it on time. They didn't even ask for the confirmation on my online payment to confirm that the payments made on 3 June 2019.
Customer cares are not useful unlike other customer cares of other financial institution. I will definitely close my account on this Company.