Mastercard Lounge Credit Card November 2025

Credit Cards

Features and Benefits

Abu Dhabi Commercial Bank Talabat ADCB Credit Card

• Minimum Salary - AED 5,000 per month
• Annual Fee - Free for life Mastercard lounge access credit card
• Get AED 500 as a welcome bonus when you sign up for the card. 

This bonus is a one-time reward and will be added to your Talabat Pay account within 90 days of getting the card, as long as you spend at least AED 2,500 within 45 days of receiving the card. Your spending can include purchases, balance transfers, and credit card loans.

• You'll avail of talabat credit when you use the card in the following ways —

• 35% back as talabat credit on your first 10 talabat orders each month, with a maximum of AED 35 for each order and a total limit of AED 350 per month. 

Any additional talabat orders in the same month will avail you of 1.25% as talabat credit.

• 1.25% back as talabat credit on other purchases you make — whether in the UAE or abroad.
• 0.35% back as talabat credit for specific categories of domestic purchases, like fuel, education, government services, and more.
• 0.35% back as talabat credit on all purchases from European merchants.
• You can use your talabat credits to pay for talabat orders and get them for free.

• Enjoy unlimited free delivery on talabat orders as long as you meet certain minimum order values –

• AED 50 or more for talabat pro restaurants
• AED 100 or more for talabat mart, grocery, and pharmacy orders from stores marked as 'pro'

• Access over 20 MasterCard airport lounges internationally for free
• Choose from 7 different card designs to match your Mastercard lounge access credit card with your style
• Use FlexiPay to spread your balances over monthly payments.
• Enjoy free-of-cost life cover with Credit Shield.
• Transfer your outstanding balances from other bank credit cards with balance transfer.
• Benefit from a zero interest rate and pay back your credit card loan in easy monthly instalments of up to 12 months.

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Commercial Bank of Dubai Titanium Mastercard

• Minimum Salary - AED 5,000
• Annual Fee – Free for Life
• You can avail of up to 1.5 reward points for every AED you spend.
• Exercise greater control over your rewards — you can use them for cashback, Skyward miles, electronics, shopping, vouchers, and more.
• You can transfer your card balance at zero interest with a 1.99% processing fee for 6 months or 4% for 12 months. (The 0% balance transfer offer is valid until December 31, 2023, and must be used within 30 days of card issuance.)
• You can get quick cash at zero interest with a 1.99% processing fee for 6 months or 4% for 12 months.
• You can receive up to 10% cashback on your spending at Booking.com.
• Access thousands of 2-for-1 offers on dining, fitness, beauty, hotels, and attractions in the Middle East using the Priceless Specials mobile app.
• Enjoy a 10% discount when renting a car online at Rentalcars.com.
• Download the 'Mastercard Travel Pass' app from Google Play or the App Store.
• You can look out for nearby lounges and check whether you qualify for free access. Show the lounge receptionist the app QR code or membership number for access. 

Note that the fees for lounge access may vary as per the card type and will be charged to the CBD Mastercard Titanium Credit Card through the app.

• Each cardholder, both primary and supplementary, should register their cards separately using individual email IDs and show their unique QR codes or membership numbers for lounge access.
• Besides the mentioned benefits, this Mastercard lounge access credit card offers various travel, hospitality, dining, wellness, and lifestyle benefits with the Titanium platform. 

Visit Titanium Mastercard for the most up-to-date list of benefits.

• Get a 50% discount on two movie tickets in a month at Novo Cinemas when you spend AED 2,000 in a calendar month.
• Enjoy a 15% discount on food and beverages at Novo Cinemas.
• Access over 10 airport lounges in the UAE, Jordan, Kingdom of Saudi Arabia, Egypt, and Kuwait for free.
• Protect yourself and your family from unexpected events by insuring your credit card’s outstanding balance with the CBD credit shield benefit. 

This requires a monthly fee of 1% of your outstanding balance.

• CBD credit cards are equipped with Chip & Pin for secure purchases, bill payments, and cash withdrawals.

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Commercial Bank of Dubai World Mastercard

• Minimum Salary - AED 25,000 per month
• Annual Fee - Free for 1st Year
• If you spend over AED 100,000 in the last 12 months, you won't have to pay the AED 750 fee for the second year.
• Additional cards for family members over 15 years old are free for life.
• You can get up to 2.5 reward points for every AED that you spend.
• You can use your rewards for cashback, Skywards Miles, electronics, shopping vouchers, and more.
• You can transfer your balance at 0% interest with a 1.99% processing fee for 6 months or 4% for 12 months.
• You can get quick cash at 0% interest with a 1.99% processing fee for 6 months or 4% for 12 months.
• Spend at least AED 7,500 each month to enjoy unlimited free golf rounds at Trump International Golf Club.
• Spend at least AED 7,500 each month to get a free-of-cost flexible wellness membership with the ClassPass app.
• Enjoy 4 free valet parking services across the UAE every month.
• You'll get a 50% discount on 4 cinema tickets at VOX, Reel, or Novo cinemas per calendar month.
• You can save 20% on food and beverages at Reel Cinemas when you spend AED 20 or more, excluding discounted items/combos.
• Enjoy a 20% discount on regular admission tickets to Emaar attractions like KidZania, Dig It, E-Kart Zabeel, and the Dubai Aquarium and Underwater Zoo explorer experience.
• Get a 15% discount on public session tickets at Dubai Ice Rink.
• Receive bonus credits when purchasing VR Park Dubai tickets such as AED 25 bonus credits with AED 75 credits purchase, AED 50 bonus credits with AED 100 credits purchase, and AED 125 bonus credits with AED 200 credits purchase.
• You can cover your Mastercard lounge access credit card’s outstanding balance against unexpected events by paying a 1% monthly fee with the CBD credit shield benefit.
• Access more than 1,200 airport lounges internationally for free with the Mastercard Travel Pass App powered by DragonPass.
• Use Mastercard Priceless Specials to find 2-for-1 offers and discounts at restaurants and for family vacations.
• Get up to 10% cashback for your spending on Booking.com.
• Mastercard offers various travel, dining, wellness, and lifestyle benefits through the World platform. 

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Citibank Citi Cashback Card

• Minimum Salary - AED 8,000 per month
• Annual Fee - Free for 1st year
• Amazon.ae: Receive an immediate 10% discount (up to AED 50) when making eligible purchases over AED 150 on Amazon.ae once a month until December 31, 2023.
• Carrefour: Enjoy a 15% instant discount of up to AED 50 when you make eligible purchases over AED 150 at Carrefour through their app or online once a month until December 31, 2023.
• Talabat: Get a 20% instant discount (up to AED 14) on grocery and food orders at Talabat two times a month using the Talabat app. Use the promo code ‘MASTERCARD’ at checkout. 
• You also receive 3% cashback on non-AED spending 
• 2% cashback on grocery spending
• 1% cashback on miscellaneous spending 
• The cashback is automatic and applicable to all types of spending
• Savour unlimited access to over 1,100 lounges internationally with the MasterCard Travel Pass app
• There are no limits (up to your monthly credit limit), no minimum spending requirements, no exchange process, and no excluded spending categories.
• PayLite: Convert significant purchases into smaller, manageable payments
• The Citi Cashback Credit Card doesn't charge an annual fee in the first year. In the second year, you won't be charged any fees if you meet the minimum spending requirement of AED 9,000.
• Make fast, secure, and effortless payments with Apple Pay.
• Enjoy Citi World Privileges for discounts on travel, dining, and entertainment locally and in 95 countries.
• There are no caps (up to your monthly credit limit), no minimum spending requirements, no exchange process, and no excluded spending categories.
• Receive two free-of-cost airport rides per year, each up to AED 110, by using the code ‘MAUAE2’ through the Careem mobile application.

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Citibank Citi Rewards Credit Card

• Minimum Salary - AED 8,000 per month
• Annual Fee - Free for 1st Year
• Amazon.ae Offer - Save 10% instantly (up to AED 50) when you spend AED 150 or more on Amazon.ae each month until December 31, 2023.
• Carrefour Offer - Enjoy a 15% instant discount (up to AED 50) at Carrefour when you make eligible purchases over AED 150 each month using the Carrefour app or online until December 31, 2023.
• Talabat Offer - Get a 20% instant discount (up to AED 14) on your grocery and food orders on the Talabat app 2 times a month. Simply use the promo code ‘MASTERCARD’ during checkout.
• ThankYou Points:

• Avail of  1.5 ThankYou Points per USD spent on groceries and non-AED transactions and 1 ThankYou Point per USD spent in AED.
• Use your ThankYou Points for cash rebates, travel rewards, merchandise, gift vouchers, and more.
• Use points for a variety of items — from clothing and electronics to home goods

• Pay for your purchases with points through SMS or Citibank Online
• No annual fee in the first year. In the second year, no fee is applicable if you meet the minimum spend of AED 9,000 with this Mastercard lounge access credit card.
• Enjoy Citi World Privileges for discounts on travel, dining, and entertainment in 95 countries.
• Access over 1,100 lounges internationally using the MasterCard Travel Pass app.
• Save 30% on two movie tickets at VOX Cinemas every month with this Mastercard lounge access credit card.
• Access hundreds of ‘Buy 1 Get 1’ offers with the free Mastercard priceless specials app.
• Receive 2 free-of-cost airport rides (up to AED 110 each) per year by using the code ‘MAUAE2’ through the Careem mobile application.

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Citibank Emirates Citibank World Credit Card

• Minimum Salary - AED 12,000 per month
• Annual Fee - Free for 1st year
• Amazon.ae: Save 10% instantly (up to AED 50) on eligible purchases over AED 150 every month until December 31, 2023.
• Carrefour: Enjoy a 15% instant discount (up to AED 50) on eligible purchases over AED 150 every month through the Carrefour app/online until December 31, 2023.
• Talabat: Grab a 20% instant discount (up to AED 14) on grocery and food orders twice a month on the Talabat app. Just use the promo code "MASTERCARD" at checkout.
• Avail of 1 Skywards Mile for every USD spent in non-AED currency and 0.75 Skywards Miles for every USD spent in AED currency.
• Use your Skywards Miles for reward flights and upgrades with Emirates & Flydubai.
• Access over 1,100 lounges internationally with the MasterCard Travel Pass app.
• Get a flat 30% discount on two movie tickets at VOX Cinemas.
• Enjoy free-of-cost travel insurance with this Mastercard lounge access card.
• Receive free Marhaba Bronze Meet & Greet service at Dubai International Airport once a year.
• Access numerous ‘Buy 1 Get 1’ offers with the free Mastercard priceless specials app.
• Citi World Privileges: Enjoy discounts on travel, dining, and entertainment locally and in 95 countries.
• Get two free airport rides per year (up to AED 110 each) using the code ‘MAUAE2’ via Careem mobile application.

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Citibank Citi Premier Credit Card

• Minimum Salary - AED 15,000 per month
• Annual Fee - AED 750
• With Amazon.ae spends, get a 10% instant discount (up to AED 50) on eligible purchases above AED 150 once a month until December 31, 2023.
• Carrefour gives you a 15% instant discount (up to AED 50) on eligible purchases above AED 150 when you use the Carrefour app or shop online once a month until December 31, 2023.
• At Talabat, you can enjoy a 20% instant discount (up to AED 14) on grocery and food orders up to 2 times in a month using the promo code ‘MASTERCARD’ at checkout on the Talabat app.
• With Careem, Mastercard World Elite users can get 6 free-of-cost airport rides using the code ‘MAUAE6’. Mastercard World users can get 2 rides with the code ‘MAUAE2’ annually — each valued up to AED 110 — using the Careem mobile application.
• You can use your points for cash rebates, travel expenses, and merchandise, or transfer them to 12 partner airlines, such as Emirates, Etihad, flydubai, and British Airways.
• Avail of  3 ThankYou Points per USD on dining and fuel expenses, 2 ThankYou Points per USD on non-AED spending, and 1.5 ThankYou Points per USD on local (AED) expenses.
• With ThankYou Points, you have the flexibility to use them for travel rewards, merchandise, gift vouchers, and other rewarding experiences.
• Transfer your ThankYou Points to 12 airline and hotel partners for flights and hotel stays.
• Use your points for cash rebates or shopping vouchers.
• Choose from a range of merchandise, including clothing, electronics, home goods, and more.
• You can offset AED 500 with 15,000 ThankYou Points for any travel-related purchase with no limitations.
• By applying for the Citi Premier Credit Card, you can avail of a welcome offer of up to AED 750 as a statement credit (subject to Citibank Terms & Conditions).
• Access over 1,100 lounges internationally (with a guest) using the MasterCard Travel Pass app.
• Enjoy a flat 30% discount on four movie tickets at VOX Cinemas every month with this Mastercard lounge access credit card.
• Enjoy free golf once a month at some of the best golf courses in the UAE.
• Benefit from free Travel Insurance and Purchase Protection.
• Get a free-of-cost Marhaba Bronze Meet & Greet service at Dubai International Airport once a year.
• Access hundreds of ‘Buy 1 Get 1’ offers with the free Mastercard priceless specials app.
• Enjoy 6 free airport rides per year (up to AED 110 each) using the code ‘MAUAE6’ on the Careem mobile application.

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Citibank Citi Prestige Credit Card

• Minimum Payment – AED 30,000 per month
• Annual Fee – AED 1,500
• Save 10% instantly (up to AED 50) when you spend over AED 150 at Amazon.ae once a month. Offer valid until December 31, 2023.
• Get a 15% instant discount (up to AED 50) when you spend over AED 150 at Carrefour once a month using the Carrefour app or online. Offer available until December 31, 2023.
• Enjoy a 20% instant discount (up to AED 14) on grocery and food orders at Talabat twice a month by using the promo code ‘MASTERCARD’ at checkout.
• Experience a flexible lifestyle and rewards with your Citi Prestige Credit Card.
• Use points for cash, merchandise, and travel expenses, or transfer them to 12 partner airlines.
• Avail of 10,000 ThankYou Points each year upon card renewal.
• Apply for a Citi Prestige Credit Card and receive a welcome offer of up to AED 750 as a statement credit.
• Earn 3 ThankYou Points for every USD spending and 2 ThankYou Points per USD for local (AED) spending.
• ThankYou Points utilisation - 

• Use ThankYou Points for various rewards on travel, merchandise, gift vouchers, and more.
• Transfer your ThankYou Points to 12 airline and hotel partners for flights and hotel stays.
• Book flights, hotels, rental cars, and holiday packages without any blackout dates.
• Use points for cash rebates or shopping vouchers.
• Trade points for merchandise like clothing, electronics, and home goods.

• Offset AED 500 with 15,000 ThankYou Points for any travel-related purchase without any limitations.
• Enjoy unlimited access to over 1,100 lounges internationally (plus one guest) using the MasterCard Travel Pass app.
• Get 'Buy 1 Get 1 free' movie tickets at VOX & REEL cinemas.
• Get free valet parking — up to 2 times a month — with Valtrans.
• Play unlimited golf rounds on weekdays and get one free round on weekends each month.
• Enjoy a free 4th-night free hotel stay for staycations or internationally along with unlimited access to 1,000+ lounges internationally for you and a guest.
• Benefit from complimentary Travel Insurance and Purchase Protection.
• Receive insurance coverage for online purchases up to $1,000 per year at no extra cost.
• Enjoy Marhaba Silver Meet & Greet service twice a year at Dubai International Airport.
• Access numerous 'Buy 1 Get 1' offers with the free Mastercard Priceless Specials app.
• Get 8 free-of-cost airport rides per year (up to AED 110 each) using the code ‘MAUAE8’ through the Careem mobile application.

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Citibank Emirates Citibank Ultima Card

• Minimum Salary - AED 36,750 per month
• Annual Fee – AED 3,000
• Amazon.ae: You can get a 10% discount (up to AED 50) when you spend over AED 150 on Amazon.ae each month until December 31, 2023.
• Carrefour: Enjoy a 15% discount (up to AED 50) when you spend over AED 150 at Carrefour using their app or website once a month until December 31, 2023.
• Talabat: Save 20% (up to AED 14) on grocery and food orders twice a month using the Talabat app. Apply the promo code ‘MASTERCARD’ during checkout.
• Careem: If you have a Mastercard World Elite, you get 6 free airport rides per year using the code ‘MAUAE6’. On the other hand, if you have a Mastercard World, you get 2 free rides per year using the code ‘MAUAE2’, with each ride worth up to AED 110 — all using the Careem mobile application.
• Avail of up to 2.5 Skywards Miles for every dollar you spend with this Mastercard lounge access credit card.
• Get a special 100% metal card and Skywards Silver Membership.
• When you apply for the card, you'll receive a sign-up bonus of 25,000 Skywards Miles for the first year and an additional 10,000 Bonus Miles each year upon renewal.
• Enjoy unlimited golf rounds on weekdays and one free round on weekends every month.
• Earn 2.5 Skywards Miles per USD spent on Emirates.com in AED, 1.5 Skywards Miles per USD on non-AED spend, and 1 Skywards Mile per USD on other AED spend.
• You can use your Skywards Miles for reward flights and upgrades with Emirates.
• Access over 1,100 lounges internationally along with guest privileges using the MasterCard Travel Pass app.
• Receive complimentary Emirates Skywards Silver membership, which provides 12 kg extra baggage and access to Emirates lounges at Dubai Airport. You'll also have unlimited golf rounds on weekdays and one free round on weekends each month.
• Enjoy a 'Buy 1 Get 1 Free' offer on movie tickets at VOX and REEL cinemas.
• Receive free valet parking up to 2 times a month with Valtrans.
• Get insurance coverage for online purchases up to $1,000 per year at no extra cost.
• Access free-of-cost travel insurance with this Mastercard lounge access credit card.
• Enjoy complimentary Silver Bronze Meet & Greet service at Dubai International Airport once a year.
• Get 6 free airport rides per year (up to AED 110 each) by using the code ‘MAUAE6’ through the Careem mobile application.
• Access a variety of 'Buy 1 Get 1' offers through the free Mastercard Priceless Specials app.

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Citibank Emirates Citibank Ultimate Card

• Minimum Salary - AED 18,000 per month
• Annual Fee - AED 800
• Get unlimited entry to over 1,100 airport lounges internationally along with a guest. 
• Avail of 1.25 Skywards Miles for every USD spent in currencies other than AED and 1 Skywards Mile per USD spent in AED.
• Use your Skywards Miles to get reward flights and upgrades when travelling with Emirates and Flydubai.
• Convert your Skywards miles into Reward Flights and Business Class upgrades when flying with Emirates.
• Access Citi World Privileges for discounts on travel, dining, and entertainment — both locally and in 95 countries.
• Enjoy a ‘Buy 1 Get 1 Free’ deal on movie tickets at VOX cinemas.
• With this Mastercard lounge access credit card, you can receive free valet parking once a month from Valtrans.
• Play a round of golf for free each month at some of the UAE's top golf courses.
• Get free travel insurance.
• Experience a Marhaba Bronze Meet & Greet service at Dubai International Airport once a year for free.
• Access hundreds of ‘Buy 1 Get 1’ offers through the Mastercard® Priceless Specials app.
• Enjoy a 0% interest, 3-month installment plan for Emirates tickets purchased through www.emirates.ae.
• Get 6 free airport rides per year (up to AED 110 each). Use the code ‘MAUAE6’ on the Careem mobile application.

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Emirates NBD Mastercard Titanium Credit Card

• Minimum Salary - AED 5,000 per month
• Annual Fee - Free for Life
• Get Plus Points for your purchases.
• Earn 1 point for every AED 100 spent with this Mastercard lounge access credit card.
• Get 0.4% points for expenditures related to groceries, insurance, and car dealerships.
• Receive 0.2% points for fuel, utilities, real estate, and education expenses.
• Enjoy free access to airport lounges at more than 10 regional airports.
• Save up to 40% at over 100 golf courses internationally.
• Access exclusive offers and discounts on travel, lifestyle, shopping, and more.

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Emirates NBD Marriott Bonvoy World Credit Card

• Minimum Salary - AED 25,000 per month
• Annual Fee - AED 1,575
• Receive as many as 200,000 welcome points
• Automatic upgrade to Marriott Bonvoy Gold Elite status
• Avail of 5 Elite Night credits for your next Elite status and get 1 free night when you renew your card
• Enjoy VIP access to Marriott Bonvoy Moments
• Collect Marriott Bonvoy Points on your purchases
• Avail of  6 points for every US$1 spent at participating Marriott Bonvoy hotels
• Get 3 points for every US$1 spent on international and other expenses
• Opportunity to get up to 50% more points each month on retail purchases if you join the Express Points Program for a monthly fee of AED 300
• Transfer points to over 40 airlines for flight bookings
• Additional advantages of this credit card with Mastercard lounge access —

• Enjoy unlimited free access to over 1,000 airport lounges around the world
• Gain free entry to golf courses in the UAE
• Utilise concierge services to have your time-consuming tasks managed

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Emirates NBD Dnata World Credit Card

• Minimum Salary – AED 25,000 per month
• Annual Fee – AED 1,048.95
• Avail of Dnata points in the following format –

• 15% on spends at City Sightseeing, Costa Coffee, Dnata Travel, and Giraffe
• 2% on all the retail expenses
• 10% points for shopping at Al Hamra Cellar, Le Clos, Arabian Adventures, and Duty Free

• Get up to AED 2,500 worth travel vouchers in the following way —

• Get a voucher worth AED 1,000 when you pay the membership fee.
• Receive a voucher worth AED 1,500 if you spend AED 25,000 on shopping within your first three billing statements.

• Get complimentary access to over 1,000 international airport lounges through LoungeKey.
• Get much-needed help with your time-consuming tasks through the concierge services.
• You can enjoy free rounds of golf at some of the best courses in the UAE with this Mastercard lounge access credit card
• Get valet parking at specific spots in Abu Dhabi.

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Emirates NBD LuLu 247 Platinum Credit Card

• Minimum Salary - AED 15,000 per month
• Annual Fee - AED 262.5
• Get LuLu Points for your spending in the following format –

• 7% back on in-store and online shopping at LuLu
• 4% rewards on fuel purchases
• 2% cashback on utility bill payments
• 0.7% cashback on miscellaneous purchases

• Enjoy a welcome offer of 500 LuLu Points and 0% interest when transferring your balance. No processing fees are charged.
• Easily use your LuLu Points at more than 70 LuLu stores.
• Receive exclusive member perks at LuLu, including fast checkout, early access to sales and promotions, free online shipping, and other discounts.
• Access free-of-cost airport lounges through LoungeKey.
• Get a ‘buy one, get one free’ deal on movie tickets at Reel Cinemas.
• Enjoy unlimited free lounge access at over 25 airports — both regional and international.
• Access concierge services to seek help with time-consuming tasks with this credit card with Mastercard lounge access.
• Play golf for free at top courses across the UAE.
• Benefit from valet parking at select locations in Abu Dhabi.

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Emirates NBD Diners Club Duo Credit Card

• Minimum Salary - AED 10,000 per month
• Annual Fee - AED 840
• Here’s how you can avail of Plus Points with your spending —

• 5% rewards on groceries, electronics, utilities, education, and fuel
• 0.5% rewards on other expenses, such as travel, dining, hotels, and online shopping

• You will receive two cards — one Diners Club card and one Mastercard credit card. This way, you can enjoy offers from both.
• You'll get a ‘Buy 1 Get 1 Free’ offer for movie tickets at Royal Cinemas.
• This Mastercard lounge access credit card provides you unlimited free access to various airport lounges around the world.
• Benefit from concierge services to handle your time-consuming tasks.
• Access top golf courses in the UAE for free.
• Get valet parking at select locations in Abu Dhabi.
• The monthly interest rate is 3.25%. 
• The minimum payment requirement is either 5% of the outstanding balance or AED 100, whichever is higher.

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First Abu Dhabi Bank Cashback Card

• Minimum Salary - AED 5,000 per month
• Annual Fee - AED 300
• Get 5% cashback on supermarket spending, up to AED 200 per month.
• Avail of 3% cashback on school fees — up to AED 200 per month.
• Enjoy 3% cashback on dining expenses of up to AED 200 per month.
• Get 0.15% unlimited cashback on miscellaneous purchases.
• Access over 10 airport lounges in the UAE, Jordan, Kingdom of Saudi Arabia, Egypt, and Kuwait for free and without limits.
• Booking.com offers countless accommodation options in over 200 countries and territories.
• Save on hotel stays in Europe, Maldives, India, the Middle East, and Africa when you pay with this credit card with Mastercard lounge access.
• Get a 20% discount on up to 3 Careem rides per month by entering the promo code ‘MASTERCARD’ at the time of booking.
• Enjoy up to 15% off your next car rental and receive a free upgrade when you use your eligible Mastercard to reserve through MastercardMEA (avisworld.com).
• Receive up to 20% off grocery or food orders (up to 2 times a month) on the talabat app with the promo code ‘MASTERCARD’ at checkout.
• If you can't make your credit card payments due to an unfortunate circumstance, Credit Shield will pay off your outstanding balance.
• Wallet Shield covers losses due to fraudulent transactions, lost or stolen credit cards, cash, identification papers, or keys. 

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