UAE Court Rules in Favor of Resident in Credit Card Dispute

Feb 19, 2026

63 min

Feb 19, 2026 22:30

UAE resident wins credit card case after court rejects bank’s fine-print claim

## Court Decision

A UAE resident, Fahrudeen Karim Abubacker Syed Mohamed, has won a legal battle against an Abu Dhabi bank over a credit card dispute. The Abu Dhabi Global Market (ADGM) Courts ruled that the bank could not enforce changes to the credit card terms through routine updates in monthly statements.

## Case Background

The dispute arose when the bank attempted to recover unpaid dues, claiming that the customer had implicitly agreed to the ADGM's jurisdiction through updated terms in monthly statements. However, the customer's legal team argued that no explicit agreement had been signed to move disputes to ADGM, and the card was originally issued in Dubai.

## Court's Findings

The court found that the bank's claim of jurisdiction was invalid as the customer had not clearly agreed to such a change. The court emphasized that significant contractual changes, such as court jurisdiction, require explicit consent and cannot be assumed through routine notifications.

## Implications

This ruling highlights the importance of clear communication and explicit consent in banking agreements. It underscores that banks cannot rely on fine print or implied consent to alter significant contract terms, especially those affecting legal rights. The decision also referenced UAE Central Bank rules mandating clear advance notice for major changes.

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