UAE Resident Surprised by Charges on 'Lifetime Free' Credit Card

Feb 18, 2026

63 min

Feb 18, 2026 01:30

'Lifetime Free’ credit card promised zero cost, UAE resident still got charged

## Unexpected Fees on a "Free" Card

A UAE resident was unexpectedly charged fees on a credit card that was marketed as "lifetime free." Despite assurances of no joining or annual fees, the cardholder found unexpected charges on his statement months later.

## What "Lifetime Free" Really Means

These cards typically waive only the joining and annual fees. Other charges, such as ATM withdrawal fees, late payment penalties, interest on unpaid balances, and foreign currency mark-ups, still apply. Some cards may also impose fees if a minimum spending threshold is not met annually.

## Common Triggers for Charges

Many cardholders face fees due to conditions hidden in the fine print. Common triggers include failing to meet annual spending requirements, late payments, carrying a balance, ATM withdrawals, and foreign transactions.

## Bank Policies and Customer Disputes

Banks assert that all fees are disclosed in the Most Important Terms and Conditions document. However, some customers have successfully disputed charges by pointing out discrepancies between sales promises and actual terms.

## Tips to Avoid Charges

To avoid unexpected fees, cardholders should carefully read the fine print, pay balances in full and on time, confirm any usage requirements, and regularly check statements for errors. Promptly contacting customer support can help resolve disputes.

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