Dubai First
Reviews and Complaints

I wrote to Dubai First by emailing a card closure form on 8 Nov 2022 and obtained their response on 10 Nov 2022 (CAS-501283-P6X7N7). However. up to now, I am still getting their tax invoices.

Last month one of the sales agent Aamir Khan called me continuously everyday 2 to 3 times and requesting to take a credit card for which there is no annual fees. As usual my first question was the annual fees is there or free card. He has confirmed it is free. since he called repeatedly I have started believe him and took the card.

But this week i have received the statement with AED 399 + VAT of 19.95= AED420 as annual charge.

Then I called him many times but he didn't picked the call. Then called customer care and reported it.

Yesterday they called and they refused to refund the amount and said it is not free. I have explained everything but they said not possible.

This is first time happened in UAE.

Your staff Mr Sajith vamanam staff I'd is

FAB S 3355 he forcefully made me to take credit card he said no annual fees but after one month 420 DHS get deducted this liar agent not attending my call.when we call customer care they said they can't do anything we need to pay.this is the worst experience I had.i am going to cancel this card.customer will loose hope when you have such liar agent.

Beware of the company and it's sales persons. Don't believe their promises of annual fee waiver. They will not respond once u get the card. Their customer support is never going to support you. They will ask us we already accept the tearms and conditions at the time of application. And the most important thing is its not matter if we activated the card or not They will charge annual fee on the application day, if we are activating after 4 month there will be more than 2000 outstanding. So I am advising all of you don't believe the representative who comes with FAB id card. They are doing frauds not banking. They are trying to steal from our pocket I think their major income is annual fee and fines. Annual fee is ok but they should disclose it before...

I wanted to tell about the representative, his name is Kashyap, now he didn't pick my calls, no reply for my messages.

Guys I belive u got an over all idea about their service and what they are doing... so please please don't apply this card...

Don’t ever take this card…they promise you it is free of charge and then charge you an annual fee of 399 aed. Pathetic customer service; they don't even want to listen — no proper communication.

Their salesperson mislead me and gave this card with confirmation of without annual fee in first year. Once activated the card I realized annual fee is there. The response from their customer service is very pathetic. We call me this is a fraud or cheeting. So my advise is don't take this card this will be a real headache for you.

I request them to cancel my card, they told me to pay the annual fee then only they can process the cancelation...

Hi

I was sold the Dubai First Credit Card by Sales Person Named Syed FABS2298 stating that the card has no charges. I took the card believing him and never activated it. I did not received any correspondence from the bank through the email or telephonce or through text over the last 2 months. Yesterday I saw an email stating that the card is blocked as I have not paid the unpaid dues for annual maintenance charges + interest accrued for 2 months. I would like you to take this matter very seriously due to the misleading sales of the product.

Case ID: CAS-483331-Z8N6T0

Guys please be very careful dealing with Dubai First Credit Card

They are looting people, Below is my experience with them since 1 year.

I got the card as they were showing good cash back benefits and all... but later they change the benefits and reduced the percentage still i was fine but when i checked my cash back they were cheating there too i was not getting the cash back as they had mention, when i called and checked with them they are saying its a technical glitch with the vendor.. i said its not my issue i am not getting the cash back but they said they were helpless as always.. hence i decided to close this card, its more then 2 months now i have paid extra amount for the closure also, still they haven't closed it, every time they give some different excuse, its pending for approval with the managers, or we are waiting for the reversal of the card fee, you wont believe i have sent for closure of my card on July and still they are charging me their yearly card fee in Aug & Sept, this is really a crazy [censored] bank, when customer has already asked for closure in July how can you charge your customer yearly card fee and all, if you want money in this way pls ask that we have to pay our employees salary pls donate some money for the closure. Please be very very careful before applying for a card guys. i am still suffering for a closure. i am going to file a complain to central bank now this [censored] is getting delayed a lot now.

1. First I bought this card and I was not told by the agent that there is an annual charge. When I tried to reach the bank, they just filed a complaint for that person but never helped me. So much so that I was made aware of the annual charges only through a mail which said that I was being charged an interest on that.

2. They don't send a mail notification of the statement, and call you right on the next day of your payment due to tell you that your due date has expired. Why cant they call me on the due date or one day earlier?

3. On the phone, the amount they ask me to pay is only the min due. Ridiculous! So that they can charge on the amount later.

So now, I have paid one round of annual charges, and a round of interest on it + one round of charges for making min payment + two rounds of late payment fee, for absolutely no fault of mine.

This is how they make money I feel, and all their executives are instructed to just give out wrong notifications to ensure customers default.

It's regarding my Complaint Number CAS-475664-L3C2G5 raised related to my New Credit Card delivered in June month.

During the card application process, I had been informed by your salesperson that there is a special offer to me and so there won't be any Annual fee on this Credit card.

But today morning, to my surprise, I received a call that my credit card payment is due, then I got shocked, because I had not done by transaction on my card yet.

Hence I am writing this Mail to take serious action, as I got misguided by your employee, {SHAHID} who is a credit card sales person.

I took a credit card from Dubai First and I'm not aware about Subscription charges and annual fee applied on this card even though I didn't activated the card , I've requested to revise the charges but they are going to file a case against me, finally I paid 420 Dh and send a request to cancel card all my contract with Dubai First. Till now no actions from the side of Dubai First.

Worst feeling and worst service from Dubai First. I'll not refer to take Dubai First Card.

REF : CAS-452110-C8D8L9 

I have filed a complaint with Dubai First for cancellation of a credit card and waive off the charges on it.

I took a Women's card with Dubai First, back in November 2019 and it was a free a life-time card with no hidden charges. Unfortunately, I never activated this card and never used this card, so until June 2022, I was under the impression that there are no charges payable on this card since I never activated - used the card.

But I got to know recently, that there have been certain changes in Dubai First's bank charges policies, as a part of which, the free for life-time cards were made chargeable. I was not aware about this as no one reached out to me to intimate this change.

As a result, there are outstanding charges on this card and due to this my AECB credit score has gone bad.

I reached out to Dubai First customer care on 29th June 2022, gave the above narration and requested to cancel this card along with a waiver for the outstanding charges.

Since then, I have reached out to multiple customer care executives on your helpline number [protected] - but none of them have been able to resolve my query or give me a concrete answer.

Worst part - today I got to know that my complaint for cancellation and charges waive off has been sent to the concerned department only on 13th July 2022, whereas I have asked this to be done right from day one, that is on 29th June 2022.

I have absolutely no idea why on earth my request was held back for a good 15 days and only after 15 days it was sent to the concerned department for further processing !

Till date I have called on [protected] on the below dates and every single time I get the same response with no progress on the complaint filed.

29th June 2022

05th July 2022

12th July 2022

15th July 2022

19th July 2022

This is really unfair on your part to keep someone waiting for more than 20 calendar days for a single complaint filed, with no action taken at all for 15 days - I understand the lag due to Eid holidays, but barring that there has been an unreasonable delay in response till date with barely any action taken.

Would appreciate it if this is looked into and expedited, with someone reaching out to me on my registered mobile number for a status update.

Dubai first has wrongfully charged me for a huge amount of money on my credit card without any communication for more than 2 years.

I got DF card 5 years ago for free membership for life. My last availment of LOP swift was October 2017 amounting to 23,000 AED which was payable for 18 months starting from November 2018 until April 2020. It was fully paid on April 2020. No transaction made after that. I was confident and at peace that I don't have any obligations with DF since then.

However, on 7th June 2022, someone called me up that I had an overdues with DF amounting to 2,715.63 AED.

I didn't believe the caller at first because I know I don't have any dues as I haven't used my DF credit card for more than 2years. I thought it was a bogus caller or scammer so I blocked her because she was just using a mobile number not DF official number. However, she was persistent and made several attempts calling me using different mobile numbers which I blocked them all.

After disturbance calls from that caller on the same day, I immediately reached out Customer Service at DF and he confirmed it that it was an overdue annual membership fees for the card and accumulated late payment of these dues. I explained everything about my side and even told him that I never received an official reminder sms about my overdue for the last 2 years. He responded that change of policy on annual fees was released on August 2021 sent to all cardholder through registered email only. How they will know that the advisory reached and read successfully by them? Especially for those who are no longer in contact with DF for years. NO SMS? Therefore, how I will know that I have obligations to settle with DF. In fact, my credit card had expired last March 2022 and they don't even bother to inform me about replacement if they have plan to. Lastly, they don't even bother requesting for my documents (emirates ID, visa) which had expired last March 10, 2020. They were just after of the overdue payment which I believe is unjust and unfair. I will never have a due if they have communicated it through proper channel.

I immediately requested for the cancellation of my credit card which after few minutes I got an sms regaring the request (CAS-438760-D7Q4M9).

On the 1st of July 2022, after almost a month, collection agent from First Abu Dhabi Bank called me up and mentioned again about my overdues. I explained again my side. To settle this matter, the recovery agent gave me an option of paying 420 AED only (399 for annual fee + VAT). He mentioned that they will send a request to the management to waive the rest of the fees and stressed out that it is the only solution they can offer and asked me to settle it the soonest possible time which sounded a threat to me.

This is indeed unjust and unfair!

Therefore, I would want all the outstanding charges to be waived off without any settlement fees. DF should ensure that my credit score is also cleared.

I would be highlighting this issue to the Central bank of UAE as well if it is not resolved at the earliest.

Hi good evening, Please check and update me that, you have cahrges in my credit card aed 350/-by three times in same time purchases fated 18.06.2022.

Iam expecting your positive regarding the subject and return back the money in AED 750/-by 2 nos

please contact me for reference

by mnail or call as below ref,

[protected]/[protected]

[protected]@gmail.com

Dubai first has wrongfully charged me for a huge amount of money on my credit card without any communication for almost 9 years.

I took up the DF card 9 years back and I was informed that it would be free membership for an year and with no renewal charges after that. After this there has been no communication from DF with me and I haven't used that card for even a single transaction since then.

But last week when I was declined a credit card from another bank due to a low credit score under AECB, to my surprise I could see these outstanding charges on Dubai first card which was affecting my credit score badly.

To clarify this issue, I called the customer service at DF and they mentioned it as overdue annual membership fees for the card and late fees for non payment of these dues. They did not give me a detailed breakdown of these charges or show me any communication in the past 9 years where they have asked me for the settlement of these charges.

To settle this matter, the recovery agent gave me an option of paying Aed 1000 and on my reluctance to do so, he mentioned that the last offer is for Aed 500. He even mentioned that this is the only solution which they can offer if I want to improve my credit score on AECB which sounded as a threat to me.

I would be highlighting this issue to the Central bank of UAE as well if it is not resolved at the earliest.

Greetings,

Yesterday, I sent an email to Dubai First requesting for a Liability Letter to be sent to RAK bank including my personal information. Prior to that, I had been calling their Customer Service for over a week, but every time I brought up the fact that I wished to cancel my card, the call would always get cut off abruptly. The agents only ever asked for my name but never my card details. And today, I called them again and the same thing has happened. From yesterday until now I haven't gotten a single reply back either by mail OR through call. It is frustrating enough to try to get in touch with them and all the more infuriating when the company itself doesn't wish to or in fact has zero interest in pleasing its customers. Not only that, I would like to believe this is NOT the first time a customer has come up with a similar issue regarding Letters of Liability and it remains a fact that the company loves to give its customers a tough time when it comes to Card Cancellations.

With all due respect, I kindly urge you to look into this matter and give us immediate responses.

Thank you.

I would like to file a complaint regarding my credit card as when i first got this credit card the agent said its free and no annual fee is there, now I received my statement and there is an annual fee charged to my credit card. I called customer service and said there’s nothing you they can do about it. It’s not said to me about the annual fee and you they don’t consider customers and won’t give considerations. Really bad service.

I have used dubai first credit card 1-1/2 years before and i have cleared all dues .

From that time i have not used credit card

but all of sudden i got a call from bank that you have outstanding amount AED 2429.00 and your card has been blocked .

Upon checking with customer service they have told me that additional charges imposed on annual fee . But there was no SMS or mail for late payments from september till april . As i have not used this card and your service from long time , so requesting you to waive off this additional charges and cancel my credit card.

They told me there will be no annual fee. Now suddenly they charged me without any information.

From April 2022 now charged Aed 399 membership fee assessed... I dont know what is this fee.

I should not trust the flowery words offered by one of the agent from Dubai First Bank… I can still clearly remember, around 2 yrs back 2020 one of the agent offered me this credit card.. She told too many good things and benefits about this credit card, lifetime no annual fees, cashback, etc.. And she even told me it is up to me whether I want to activate the card or not, anyway it’s lifetime No Annual Fee…And that time that agent needs some help to reach her quota.. So, in other words I applied for credit card and it was aprroved…Then this year I applied for a personal loan from Emirates NBD (my mother bank) and I was shocked because I just found out that they decline my loan because they saw from their system that I have due account balance from other bank..

Actually, I told them that my bank is only ENBD and they told me that I have another bank as they can see from their system.. From there I remember this bank…I tried to call this bank to clarify the issue.. Then I was really shocked as they want me to pay 1 thousand plus diirhams… I freak out! I told them why will I pay?! I received this card 2 yrs back and from that time I never open from the envelope, dont even know how the card looks like and dont even know how much is the card limit.. I explained to them that I ddnt able to received any notifications as I changed my number and I did not open my email from long time…So how will I know the changes?! But no matter how I tried to explain to them it seems that they dont want to understand…And told me that if I want to clear my name so I have to pay them…from 1 thousand plus to four hundred plus and closed my account…but this is really NOT FAIR! Since I did not activate the card from the time I have received it… I told them they will never received any money from me coz I have all the rights to do it…Pls do the needful

I was using dubai first card from a very long time i was having due in 2020 which i cleared & asked them to close the account ,but instead of closing they sent me an upgraded card for annual fee which i did not activate & use it & did not check the status from last 2 yrs ,now it is showing outstanding they have put late fee on membership fee without even informing no communication,I want to close the card please request you to help,without using the card charges are not fair request to do the needful