ADCB Betaqti Credit Card

The ADCB Betaqti Credit Card is designed exclusively for Emiratis in a way to represent their unique personalities. It is a metal, laser-etched card that aims to provide complete control to the cardmembers while showcasing their names. Not only this, but it also offers a wide range of numerous features, perks, and rewards. 

From complimentary premium status memberships to access to premium airport lounges, complimentary gym access to BOGO cinema offers, luxury concierge services to peace of mind while traveling with insurance, the Betaqti Credit Card has it all.

Features and Benefits of ADCB Betaqti Credit CardADCB Betaqti Credit Card

The Betaqti Credit Card by ADCB offers the cardholders with a wide range of benefits such as:

Free Access to Gold’s Gym

The cardholder can enjoy complimentary access to all the clubs of Gold’s Gym across the UAE. Additionally, he or she can enjoy various other benefits like unlimited group classes, free Wi-Fi, and complimentary locker room service and towel.

The entry can be gained easily by presenting the Emirates ID along with the ADCB Betaqti Credit Card at the reception of the club. The list of locations along with the ladies-only gyms can be found on the official website.

Concierge Service

There is a team of luxury lifestyle experts at the service of cardmembers to assist them for their various needs such as reservation of the best tables at fine restaurants, customized travel plans, tickets to shows that are sold-out, and much more. 

Airport Lounge Access

The cardholder along with an additional guest can relax before taking that flight with the Diamond Lounge located at the VIP Terminal at the Abu Dhabi International Airport. Additionally, he or she can also enjoy unlimited access to over 1,000 international and regional airport lounges across the globe

Complimentary Stays at Marriot Bonvoy Hotels

Cardmembers can avail complimentary hotel stays at the participating hotels of Marriott Bonvey by booking their stays using the ADCB Betaqti Credit Card. They are eligible for the following perks:

  • 1 complimentary night upon booking 3 or 4 nights
  • 2 complimentary nights upon booking 6 nights

Travel Insurance

ADCB Betaqti Credit Cardholders can enjoy peace of mind while traveling with the comprehensive travel insurance that is inclusive of inconvenience and medical cover. This also includes a waiver for loss damage and car rental collision. The confirmation letter for travel insurance can be generated online in a matter of seconds.

Benefits at Premium Hotels

The cardholder has access to the Discovery Black-level Membership offered by Global Hotel Alliance that holds exclusive perks at over 500 luxury resorts and hotels across the globe. These perks include room upgrades, early check-in, and late check-out, and guaranteed availability of the room.

In order to enroll into Discovery and be upgraded to the Black-level, all the cardholder needs to do is contact the World Elite Concierge Desk at the helpline number.

MasterCard World Elite Benefits

Cardmembers have access to the exclusive World Elite Benefits offered by MasterCard with their ADCB Betaqti Credit Card.

Card Control

From setting limits to having complete control of the card, cardholders can enjoy complete access with the ADCB’s Card Control feature. The various services that can be accessed by cardholders under this feature are:

  • Setting limits for daily spends
  • Blocking all transactions
  • Blocking the transactions that take place in-store
  • Blocking the transactions that are carried online
  • Blocking transactions that are charged in foreign currency
  • Blocking any cash withdrawals from the ATM

Card Management

The cardholder can manage his or her card at all times using the 24/7 multi-functional Personal Internet Banking or Mobile Banking offered by ADCB. The following payments can be made using these platforms along with the redemption of TouchPoints:

  • Utility bills
  • Mobile phone bills
  • College and school fee
  • Salik
  • Credit Card Payments

Credit Card Loans

In case of a cash crunch, the cardmember can get cash against his or her available credit limit transferred in the account within a period of 3 working days. This service is offered at a low-interest rate and can be repaid over a flexible tenure of up to 24 months. 

Interest-Free Balance Transfers

Cardholders can easily consolidate their outstanding debt by using this feature that is available for use within 90 days from the date of registration of the card. They also have the flexibility to repay in up to 24 months.

Easy Instalments

The cardmember can now repay his or her big purchases without any stress by breaking them into affordable repayments at attractive interest rates. Additionally, when the purchase is made at any of the partner retailers, the installments can be paid back at a 0% interest rate.

Rewards and Offers of ADCB Betaqti Credit Card

Below is a rundown on the various rewards and offers on the Betaqti Credit Card:

TouchPoints Rewards

Cardholders are enrolled in a customer loyalty program offered by ADCB which entitles them to 3 TouchPoints for every spend worth AED 1 incurred on the ADCB Betaqti Credit Card. Additionally, they receive a welcome bonus of 300,000 TouchPoints.

The anniversary rewards that can be earned by cardholders are as follows:

Annual Spending Bonus TouchPoints Rewards

AED 500,000

750,000 TouchPoints

AED 350,000

500,000 TouchPoints

AED 250,000

250,000 TouchPoints

 

These TouchPoints Rewards can be accumulated by the cardholder over a period of time and then be redeemed across a variety of spending categories such as dining or shopping vouchers, airline upgrades or tickets, utility bills’ payments, and much more. The table below details the conversion rate of TouchPoints to Miles:

Etihad Guest Miles Emirates Skywards Miles Merchant Partners

14 TouchPoints are equivalent to 1 Mile

18 TouchPoints are equivalent to 1 Mile

Instant redemptions at over 1500 locations

 

Hertz President’s Circle Status

The cardholder can get upgraded to the Hertz President’s Circle’s Gold Plus tier. Under this, he or she is eligible for a discount of up to 15% on all rentals, guaranteed complimentary upgrades, among much more. The enrolment can be done simply on ADCB’s official website.

Exclusive Discounts and Offers

With the exclusive partnerships with a variety of hand-picked premium brands, ADCB ensures that cardholders receive the best of discounts and offers to suit their lifestyles. Some of these prestigious partners are:

  1. The Coffee Club
  2. Al Mandoos
  3. The St. Regis in Abu Dhabi
  4. Jumeriah at Etihad Towers in Abu Dhabi

Cinema Experience

Cardholders are provided with an upgraded cinema experience with the exclusive privileges on entertainment. They are eligible for deals at VOX Cinemas Gold by Rhodes and Theatres by Rods. The available offers are:

  1. A free ticket on buying one with the ADCB Betaqti Credit Card
  2. A discount of 20% on select meals

Complimentary Membership in Platinum Tier of U by Emaar

The Betaqti Credit Card unlocks a complimentary Platinum Tier membership into the U by Emaar program. This makes the cardholder eligible for a variety of exclusive privileges that can be enjoyed across the Emaar group, such as:

  1. A discount worth 30% on dining at fine restaurants across the Emaar group.
  2. A discount of 30% on tickets for the Dubai Opera
  3. A discount of 20% on Emaar group’s spa treatments
  4. A discount worth 10% along with late check-out across hotel chains of Address, Vida and Rove.
  5. Free room upgrades (depending on availability).
  6. Free access for 2 people at The Lounge at Fashion Avenue along with The Dubai Mall delivery service.

The cardholder can simply enroll by visiting the official website of ADCB.

BOGO Offers at Caribou Coffee

Cardmembers can enjoy the coffee with their closed ones even more with the buy one get one free offer at Caribou Coffee. This can be redeemed all year round using the ADCB Betaqti Credit Card. However, this discount is not applicable for orders that are for delivery or any bottled beverages.

Offers at Yas Island Theme Parks and Attractions

Cardholders have access to a wide range of perks and privileges across Ferrari World Abu Dhabi, CLYMB Abu Dhabi, Warner Bros. World in Abu Dhabi, and Yas Waterworld Abu Dhabi. The various privileges that can be enjoyed are:

  1. A discount of 15% on annual passes along with entry tickets.
  2. A 15% discount on merchandise.
  3. A voucher of 10% on food and beverages.
  4. Free quick pass that allows priority access to rides and attractions.
  5. A 0% interest payment plan available for purchases that exceed the amount of AED 500.

This offer is valid on the following general admission tickets at the CLYMB in Abu Dhabi:

  • First-time flyer (2 and 4 flights)
  • Indoor climbing for beginner climbers (60 minutes, 3 walls)

Careem Offers

Upon riding with Careem, the cardholder is eligible for a discount worth 20% on three rides on a monthly basis (capped at AED 25 per ride). This can be accessed simply by downloading the Careem app from the Google Play or Apple Store and adding the ADCB Betaqti Card along with the promo code.

Car Rental Offers

With the ADCB Betaqti Credit Card, cardmembers have access to the Avis Rent a car benefit. Under this, they are eligible for a discount of 25% with Avis on all car rentals. Additionally, they can also enjoy a free upgrade and a discount worth 10% on premium chauffeur services. The reservation for this can be made on the official website of the bank.

Fees and Charges of ADCB Betaqti Credit Card

The table below details the fee and charges of this ADCB card:

Fees and Charges

Amount

Annual Fee

AED 2,100

Finance Charges for Retail Purchases

2.50% monthly

Finance Charges for Cash Advance

3.50% monthly

Finance Charges for Credit Card Loan/Balance Transfer/Installment Plans

Up to 1.50% monthly

Cash Advance Limit

80% of the credit limit

Fee for Cash Advance

3.15% or AED 105 (the higher amount)

Fee for Over Limit

AED 288.75

Late Payment Charges

AED 241.50 (in case of the minimum due being paid by the due date)

Fee for Card Replacement

AED 78.75

Charges for a Duplicate Statement

AED 26.25

Processing Charge for Outstation Cheque AED 21

Charges for a Returned Cheque

AED 157.50

The margin for a transaction in foreign currency

2.99%

Fee for credit shield (optional)

1.0395% (of the outstanding amount at the billing cycle)

Fee for a temporary increase of the credit limit

AED 52.50

Processing Charges for the 0% interest payment plans at the partner merchants as well as credit card loans

AED 52.50

Sales Voucher Copy

AED 26.25

Charges for Liability/No Liability Letter

AED 52.50

(Updated as of March 2020)

Frequently Asked Questions

Q1: How can I access the Concierge Service?

Ans: The luxury experts at the MasterCard World Elite Concierge Desk can be reached on the number 800 0444 0426 (in the UAE) or +1 312 843 5336 (outside the UAE). 

Q2: How can I use the card control feature offered by ADCB?

Ans: The card control feature offered by ADCB allows the cardholder to be in complete control of the Betaqti Card with the ADCB Mobile app. From controlling all transactions to setting all spending limits, all can be controlled by following these steps:

  1. Log in to the mobile app of ADCB
  2. Set your spending limits for the month
  3. Click on the option for ‘My Accounts’ and then select the ‘Credit Cards’ option
  4. If you are owning more than one credit cards, select the card you would like to control
  5. Scroll down and click on the option for ‘Card Control Settings’ 

Q3: What is the TouchPoints Rewards program?

Ans: The TouchPoints Rewards program is a customer loyalty program offered by ADCB that aims to reward cardholders for every spending incurred on their card. For every AED 1 incurred on the Betaqti Card, 3 TouchPoints are rewarded.

These TouchPoints can be accumulated and redeemed across a variety of spending categories for dining vouchers, flight upgrades, air tickets, shopping vouchers, payment of utility bills, and much more. 

Q4: How can I enroll in the Discovery Black-level membership?

Ans: All that you need to do to get yourself enrolled in the Discovery program is contact the MasterCard World Elite Concierge Desk on the number 800 0444 0426 (in the UAE) or +1 312 843 5336 (outside the UAE) and get upgraded to the Black membership. 

Q5: Can I obtain a cash advance using my ADCB Betaqti Card?

Ans: Yes, a cash advance of up to 80% of the available credit limit can be obtained using this ADCB card.

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