Reflect Credit Card
Your banking journey continues with Reflect
Open your account and apply for a credit card within 24 hours! Have control & boost your funds with Reflect’s hassle-free Visa Platinum Credit Card. No salary transfer and no paper work needed.
Benefits:
✓ 3% cashback on transactions (except for e-vouchers, bills payment through eFAWATEERcom portal, & adding money) capped at 35 JOD/month
✓ Freeze/unfreeze the card online through the application
✓ Adjust your payment option through the app
✓ The card can be ordered from the app, and will be delivered to your doorstep
✓ 6 Annual Global Airport Lounge Access using Visa Airport Companion application in partnership with DragonPass, which grants the cardholder to enter 25 airport lounges all around the world. To enjoy all complimentary lounge visits, make international purchases totaling at least 30 USD with your card every 3 months.
* Visa T&Cs apply
✓ Easy payment plan up to 24 months with 0% interest at selected merchant stores
What makes you eligible?
If you transfer your salary to Reflect:
| Salary | Credit Card Limit | Max Limit |
|---|---|---|
| JOD 300-499 | 1x salary | JOD 500 |
| JOD 500-699 | 1.5x salary | JOD 1,000 |
| JOD 700+ | 2x salary | JOD 3,000 |
** You will be eligible for Reflect Credit Card after 3 months of transferring your salary to Reflect.
** If you transfer your salary to Reflect, your salary must be registered to Social Security Corporation as well to be eligible.
Non-Salaried Users:
| Average Account Balance for 3 Months | Credit Card Limit | Max Limit |
|---|---|---|
| JOD 100+ | 1x average balance | JOD 1500 |
** Your average account balance must be 100 JOD every month for a minimum of 3 months to be eligible for Reflect’s Credit Card.
If your salary is transferred to Social Security Corporation:
- Your net salary must be JOD 300 or above
- In that case, you will be eligible to 0.5 x your salary (net salary) up to JOD 1000.
Minimum Monthly Payment Percentage Options:
1. Minimum Payment
Pay only 5% of your monthly due amount
2. Partial Payment
Pay 25% of your monthly due amount
3. Half Payment
Pay 50% of your monthly due amount
4. Full Payment
Pay your full due amount and avoid interest
More information:
Minimum limit: 100 JOD
Maximum limit: 3000 JOD
Monthly interest: 1.5%
Cash withdrawal fees: 4% with a minimum of 4 JOD.
Late payment fees / Over limit: 5 JOD
Credit card protection program: 0.35% of the outstanding balance
Free of annual fees
** Fees may apply for transferring funds from your credit card to your Reflect account.
To apply, you will need:
- Choose “Credit Card” from the app homepage.
- Confirm your employment status & occupation.
- Input your requested credit card limit & due payment percentage.
- Accept or decline the limit you are eligible for.
- Confirm card delivery & you will receive it during 3-5 business days.
With the Easy Payment Plan service (EPP) on Reflect’s credit card, you can benefit from the following:
– A repayment period of up to 12 months when using the Reflect credit card to pay university or school fees.
– A repayment period of up to 24 months with a monthly interest rate of 1% on the amount used on the credit card when used at any store inside or outside Jordan.
– A repayment period of up to 24 months with no interest when using Reflect credit card for purchases at participating merchants in the program.
Apply for a Credit Card now
How to order a credit card:
1- From the homepage, select Credit Card.
2- Tap Apply Now.
3- Enter your employment details and complete the income and expense declaration.
4- Choose your preferred credit limit and proceed with or skip the social security step.
5- Accept sharing your contact details with the delivery company, and submit application.
6- Once approved, review and accept the limit. Your card will be delivered within 5 business days.
Credit Protection Program
Enjoy greater peace of mind with the Credit Protection Program for Reflect Credit Cardholders.
In the unfortunate event of the cardholder’s death or permanent total disability, the program covers 100% of the outstanding credit card balance, helping protect you and your loved ones from unexpected financial burdens.
Eligibility
Reflect Credit Cardholders aged 18 to 65 years are automatically eligible for the Credit Protection Program.
Insurance covers is terminated automatically once the cardholder reaches 65 years of age.
Monthly Premium
A monthly premium of 0.35% of the outstanding credit card balance is charged and will appear on your credit card statement.
Example:
If your outstanding balance at the statement date is 500 JOD, your monthly protection fee will be 1.750 JOD (500× 0.35%).
If your outstanding balance is 0 JOD, you pay nothing.
Activating Your Credit Protection
The Credit Protection Program is automatically activated for all Reflect Credit Cardholders. If you wish to opt out of the program, you can contact our support team via WhatsApp at +962792777027 for assistance.
Submitting Claims
To submit a claim, contact our support team via WhatsApp at +962 79 277 7027. Our representatives will guide you through the claims process and provide the necessary assistance to complete your request.
Coverage is subject to the terms and conditions of the original insurance policy signed between the bank and the insurance company.
For the full insurance policy terms and conditions, including all exclusions, please click here.