ADCB Credit Cards

Founded in 1985 and headquartered in Abu Dhabi, the Abu Dhabi Commercial Bank (commonly known as ADCB) is one of the leading banks in the United Arab Emirates. It is the third largest bank in the UAE that offers retail banking, commercial banking, Islamic banking, and other financial services to its valuable customers.

The credit cards offered by ADCB come with an array of exclusive benefits, features, and rewards. The bank offers conventional & Islamic credit cards to fulfill the basic financial needs of various applicants. The credit card applicant can truly enjoy a rewarding experience by using the ADCB credit card. 

Types of ADCB Credit Cards

Abu Dhabi Commercial Bank (ADCB) offers a wide range of conventional and Islamic credit cards that come with exclusive benefits and privileges. From fee-free cards to the cards with rewards, ADCB offers a host of options. The cards are formulated as per the basic financial needs and requirement of various credit card applicants. Following are the credit cards offered by ADCB:

Etihad Guest Miles Credit Cards

TouchPoints Credit Cards

Travel Discounts Credit Card

LuluPoints Credit Cards

SmplyLife Credit Cards

UAE Nationals Credit Card

Islamic Credit Cards

Etihad Guest Miles Credit Cards:

Following are the Etihad Guest Miles credit cards offered by the ADCB:

ADCB Etihad Guest Infinite Credit CardADCB Etihad Guest Infinite Credit Card

  • Annual Membership Fee: AED 2625 (AED 1312.50 for Excellency members)
  • Retail Interest Per Month: 3.25% 

Features & Benefits of this ADCB Credit Card: 

  1. Signup Bonus: As a sign-up bonus, the ADCB Etihad Guest Infinite Card offers 60,000 Etihad Guest
  2. Etihad Guest Miles: The cardholder can earn 2 Etihad Guest Miles for local Additionally, they earn 3 Etihad Guest Miles when the card is used for purchases with Etihad Airways and for foreign purchases.
  3. Monthly Bonus: Cardholders will also receive 5,000 Etihad Guest Miles as a monthly bonus when their monthly purchases are equivalent to or higher than USD 5,000.
  4. Tier Miles: The cardholder can earn Tier Miles on making purchasing through this credit ca They can earn 1 Etihad Guest Tier mile for each USD of eligible purchase, local as well as international.
  5. Travel Benefits: Members of this credit card can avail a wide range of travel perks that includes:
    • Etihad Guest Gold Tier Membership
    • A maximum of 4 flight upgrade vouchers on a complimentary basis.
    • Airport chauffeur rides with Careem on a complimentary basis.
    • Free airport lounge access at 1000+ airport lounges.
    • A maximum of 12% discount on Agoda bookings
    • 8% off on Hotels.com.
    • Benefits of Visa Luxury hotel collection
    • Multi-trip travel insurance
  1. Lifestyle Benefits: This ADCB Credit card offers top of the line lifestyle benefits and they are as follows:
    • Free golf access at some of the leading golf courses.
    • Buy one get one free offer at Caribou Coffee.
    • Various 2 for 1 offers through the MENA app
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • A maximum of 30% discount at more than 1400 restaurants all over the UAE and also exciting offers on shopping, travel, and entertainment.
    • Round the clock concierge service globally
  1. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  2. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount  every They can carry forward the outstanding balance to the billing cycle of next month.
  3. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount. The maximum coverage offered is AED 200,000.
  4. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third
  5. Purchase Protection: The cardholder can avail free purchase protection on the products purchased using this ADCB Credit Card valid from the purchase date up to 90 It covers the loss or theft of goods as well as accidental damage.
  6. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for 24 months on various products purchased using this credit card.
  7. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  8. Balance Transfers: The card member can easily transfer their outstanding balance from other bank’s credit card to this ADCB credit card at no interest.
  9. Credit Card Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy installments of a maximum of 24 months.
  10. Interest-Free Period: The cardholder can enjoy an interest-free tenure of up to 55 days if they keep paying their balance outstanding in full on or before the due

ADCB Etihad Guest Signature Credit CardADCB Etihad Guest Signature Credit Card

  • Annual Membership Fee: AED 1050
  • Retail Interest Per Month: 3.25% 

Features & Benefits of this ADCB Credit Card:

  1. Signup Bonus: As a sign-up bonus, the ADCB Etihad Guest Signature Credit Card offers 35,000 Etihad Guest
  2. Etihad Guest Miles: The cardholder can earn 1.25 Etihad Guest Miles for local purchases. Additionally, they earn 2 Etihad Guest Miles when the card is used for purchases with Etihad Airways and for foreign purchases.
  3. Monthly Bonus: Cardholders will also receive 2,000 Etihad Guest Miles as a monthly bonus when their monthly purchases are equivalent to or higher than USD 2,000.
  4. Tier Miles: The cardholder can earn Tier Miles on making purchasing through this credit card. They can earn 1 Etihad Guest Tier mile for each USD of eligible purchase, local as well as international.
  5. Travel Benefits: Members of this credit card can avail a wide range of travel perks that includes:
    • Etihad Guest Silver Tier Membership
    • A maximum of 2 flight upgrade vouchers on a complimentary basis.
    • Airport chauffeur rides with Careem on a complimentary basis.
    • Free airport lounge access at 1000+ airport lounges.
    • A maximum of 12% discount on Agoda bookings
    • 8% off through Hotels.com
    • Benefits of Visa Luxury hotel collection
    • Multi-trip travel insurance
  1. Lifestyle Benefits: This ADCB Credit card offers top of the line lifestyle benefits and they are as follows:
    • Free golf access at some of the leading golf courses.
    • Various 2 for 1 offers through the MENA app
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • A maximum of 30% discount at more than 1400 restaurants all over the UAE and also exciting offers on shopping, travel, and entertainment.
    • Round the clock concierge service globally
  1. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  2. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every They can carry forward the outstanding balance to the billing cycle of next month.
  3. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount. The maximum coverage offered is AED 100,000.
  4. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third
  5. Purchase Protection: The cardholder can avail free purchase protection on the products purchased using this ADCB Credit Card valid from the purchase date up to 90 It covers the loss or theft of goods as well as accidental damage.
  6. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for 24 months on various products purchased using this credit card.
  7. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  8. Balance Transfers: The card member can easily transfer their outstanding balance from other bank’s credit card to this ADCB credit card at no interest.
  9. Cash Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy installments of a maximum of 24 months.
  10. Interest-Free Period: The cardholder can enjoy an interest-free tenure of up to 55 days if they keep paying their balance outstanding in full on or before the due

ADCB Etihad Guest Platinum Credit CardADCB Etihad Guest Platinum Credit Card

  • Annual Membership Fee: AED 525
  • Retail Interest Per Month: 3.25%

Features & Benefits of this ADCB Credit Card:

  1. Signup Bonus: As a sign-up bonus, the ADCB Etihad Guest Platinum Credit Card offers 12,000 Etihad Guest
  2. Etihad Guest Miles: The cardholder can earn 1 Etihad Guest Miles for local purchases. Additionally, they earn 1.25 Etihad Guest Miles when the card is used for purchases with Etihad Airways and for foreign purchases.
  3. Monthly Bonus: Cardholders will also receive 1,000 Etihad Guest Miles as a monthly bonus when their monthly purchases are equivalent to or higher than USD 1,000.
  4. 4. Travel Benefits: Members of this credit card can avail a wide range of travel perks that includes:
    • 3 free airport lounge access at 1000+ airport lounges.
    • A maximum of 12% discount on Agoda bookings
    • 8% off on Hotels.com
    • Benefits of Visa Luxury hotel collection
  1. Lifestyle Benefits: This ADCB Credit card offers top of the line lifestyle benefits and they are as follows:
    • Various 2 for 1 offers through the MENA app
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • A maximum of 30% discount at more than 1400 restaurants all over the UAE and also exciting offers on shopping, travel, and entertainment.
  1. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  2. Purchase Protection: The cardholder can avail free purchase protection on the products purchased using the ADCB Credit Card valid from the purchase date up to 90 It covers the loss or theft of goods as well as accidental damage.
  3. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for 24 months on various products purchased using this credit card.
  4. Credit Card Shield: This ADCB credit card provides protection to the cardholder in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount. The maximum coverage offered is AED 100,000.
  5. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  6. Balance Transfers: The card member can easily transfer their outstanding balance from other bank’s credit card to this ADCB credit card at no interest.
  7. Cash Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy installments of a maximum of 24 months.
  8. Interest-Free Period: The cardholder can enjoy an interest-free tenure of up to 55 days if they keep paying their balance outstanding in full on or before the due

TouchPoints Credit Cards:

Following are the TouchPoints credit cards offered by the ADCB:

ADCB Touchpoints Infinite Credit CardADCB Touchpoints Infinite Credit Card

  • Annual Membership Fee: AED 1050 (AED 525 for Excellency members)
  • Retail Interest Per Month: 3.25%

Features & Benefits of this ADCB Credit Card: 

  1. Movie Offers: The cardholder can enjoy BOGO offer at VOX cinemas.
  2. Lifestyle Benefits: This credit card offers various lifestyle benefits including:
    • Free two nights’ stay at various hotels around the globe
    • Free Platinum Membership at U by Emaar
    • BOGO offers at Caribou coffee
    • 20 percent discount on Talabat orders
    • 15 percent discount on noon.com
    • 50 percent discount on weekend rides with  Careem
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • Free golf access
    • 24/7 global concierge services
    • Various 2 for 1 offers through MENA app
  1. Travel Benefits: The cardholder can avail free unlimited access to more than 850 airport lounges around many cities across the globe. They can also enjoy discounts on hotel booking via Agoda, free airport chauffer, and access to airport dining offers via Dragon Pass Dine and Fly.
  2. Visa Benefits: This Visa card lets you enjoy various attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
  3. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  4. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every They can carry forward the outstanding balance to the billing cycle of next month.
  5. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  6. Balance Transfer: The cardholder can save on their interest expenses by transferring their outstanding amount balances from other bank’s credit cards to this ADCB credit card. Also, they can enjoy the flexibility of 0 rate of interest and repay in easy to pay monthly installments of a maximum of 12 months.
  7. Interest-Free Period: The cardholder can enjoy an interest-free tenure of up to 55 days if they keep paying their balance outstanding in full on or before the due
  8. Debit Instructions: The cardholder can setup automatic debit instructions for making payments through their current or savings account.
  9. Cash Loan: With this credit card, the cardholder can avail the ADCB credit card loan facility through which they get cash against their available credit limit. The money will get transferred to their bank account within 3 working days and the repayment of the amount can be done in easy installments of up to 12
  10. School Fee Payments: With this ADCB credit card, the cardholder can convert their child’s school & college fees into monthly installments with 0 rate of interest for a maximum of 12 months.
  11. Credit Shield: At a nominal monthly fee, cardholders can opt for the credit shield that offers  them protection for the outstanding balance up to AED 200,000 in case of  any  unforeseen events  such as critical illness, permanent total disablement, natural death, and involuntary loss of
  12. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third
  13. Multi-Trip Travel Cover: The ADCB offers a free multi-trip travel cover with this credit card, which protects the cardholder and their family on local and international trips for a maximum of 90
  14. TouchPoints Reward Program: With this ADCB TouchPoints Credit Card, the cardholder can earn 5 TouchPoints for each AED spent. They can receive 15,000 TouchPoints as bonus on spending AED 15,000 every month.

ADCB Touchpoints Platinum Credit CardADCB Touchpoints Platinum Credit Card

  • Annual Membership Fee: AED 630 (Free for the 1st Year)
  • Retail Interest Per Month: 3.25%

Features & Benefits of this ADCB Credit Card: 

  1. Movie Offers: The cardholder can enjoy BOGO offer at VOX cinemas. 
  1. Lifestyle Benefits: This credit card offers various lifestyle benefits including: 
    • 20 percent discount on Talabat orders
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • Free golf access
    • Various 2 for 1 offers through MENA app 
  1. Travel Benefits: The cardholder can avail free unlimited access to airport lounges around many cities across the They can also enjoy discounts on hotel booking via Agoda, free airport chauffer, hotel & airfare discounts with Cleartrip & MasterCard, and access to airport dining offers via Dragon Pass Dine and Fly.
  2. Visa and MasterCard Benefits: This credit card lets you enjoy various Visa and MasterCard attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
  3. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder and their family in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount. The maximum coverage offered is AED 200,000.
  4. Extended Warranty & Purchase Protection: The cardholder can avail purchase protection on the products purchased using this TouchPoints card. It covers the loss or theft of goods as well as accidental damage.
  5. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  6. Cash Loan: With this credit card, the cardholder can avail the ADCB credit card loan facility through which they get cash against their available credit limit. The money will get transferred to their bank account within 3 working days and the repayment of the amount can be done in easy installments of up to 12
  7. Balance Transfer: The cardholder can save on their interest expenses by transferring their outstanding amount balances from other bank’s credit cards to this ADCB credit card. Also, they can enjoy the flexibility of 0 rate of interest and repay in easy to pay monthly installments of a maximum of 12 months.
  8. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  9. School Fee Payments: With this ADCB credit card, the cardholder can convert their child’s school & college fees into monthly installments with 0 rate of interest for a maximum of 12 months.
  10. Interest-Free Period: The cardholder can enjoy an interest-free tenure of up to 55 days if they keep paying their balance outstanding in full on or before the due
  11. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every They can carry forward the outstanding balance to the billing cycle of next month.
  12. Debit Instructions: The cardholder can setup automatic debit instructions for making payments through their current or savings account.
  13. TouchPoints Reward Program: With this TouchPoints Credit Card, the cardholder can earn 1 TouchPoint for each AED spent. They can receive 10,000 TouchPoints as bonus on spending AED 10,000 every

ADCB Touchpoints Titanium/Gold Credit CardADCB Touchpoints Titanium Credit Card

  • Annual Membership Fee: No annual fee
  • Retail Interest Per Month: 3.25%

Features & Benefits of this ADCB Credit Card:

  1. Movie Offers: The cardholder can enjoy BOGO offer at VOX cinemas.
  2. Lifestyle Benefits: With ADCB Titanium Credit Card benefits, the cardholder can enjoy various lifestyle privileges including: 
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • Dining offers
    • Various 2 for 1 offers through the MENA app 
  1. Travel Benefits: The cardholder can avail free unlimited access to airport lounges around many cities across the globe. They can also enjoy free airport chauffer with Careem.
  2. Visa and MasterCard Benefits: This credit card lets you enjoy various Visa and MasterCard attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
  3. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  4. Cash Loan: With this credit card, the cardholder can avail the ADCB credit card loan facility through which they get cash against their available credit limit. The money will get transferred to their bank account within 3 working days and the repayment of the amount can be done in easy installments of up to 12
  5. Balance Transfer: The cardholder can save on their interest expenses by transferring their outstanding amount balances from other bank’s credit cards to this ADCB credit card. Also, they can enjoy the flexibility of 0 rate of interest and repay in easy to pay monthly installments of a maximum of 12 months.
  6. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  7. School Fee Payments: With this ADCB credit card, the cardholder can convert their child’s school & college fees into monthly installments with 0 rate of interest for a maximum of 12 months.
  8. Interest-Free Period: The cardholder can enjoy an interest-free tenure of up to 55 days if they keep paying their balance outstanding in full on or before the due
  9. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every They can carry forward the outstanding balance to the billing cycle of next month.
  10. Debit Instructions: The cardholder can setup automatic debit instructions for making payments through their current or savings account.
  11. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder and their  family in case of critical illness or permanent disability, involuntary employment loss, or even natural  In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount.  The  maximum  coverage offered is AED 200,000.
  12. TouchPoints Reward Program: With this TouchPoints Credit Card, the cardholder can earn 5 TouchPoint for each AED spent. They can receive 5,000 TouchPoints as bonus on spending AED 5,000 every month. 

Travel Discounts Credit Card:

Following is the Travel Discounts credit card offered by the ADCB: 

ADCB Traveller Credit CardADCB Traveller Credit Card

  • Annual Membership Fee: AED 1050
  • Retail Interest per Month: 3.25%

Features & Benefits of this ADCB Credit Card:

  1. Complimentary Airport Lounge Access: The member of this ADCB credit card can enjoy unlimited free access to more than 900 premium airport lounges across various
  2. Discount on Air Tickets and Hotel Bookings: With this ADCB credit card, the cardholder can get up to 20% off on flight bookings when booked through Cleartrip. They can also get 20% off on hotel bookings when booked through com.
  3. Complimentary Hotel Stays: On a minimum spend of AED 150,000 in a year, the cardholder can avail up to 6  nights’ complimentary hotel In addition to this, the member of this travel credit card will get    2 nights complimentary hotel stay voucher as a sign-up bonus.
  4. Discount on Careem Rides: The card member can get 20% off on Careem Rides two times a month.
  5. Complimentary Travel Insurance: The cardholder can avail complimentary travel insurance offered by this ADCB credit
  6. Starwood Resorts & Hotels: This ADCB credit card benefits include offers on Starwood Resorts  & The cardholder can make a booking if 2 nights & get the 3rd night complimentary.
  7. No Foreign Currency Charges: ADCB does not charge any processing fee on using this travel card internationally.
  8. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  9. Interest-Free Period: The cardholder can enjoy an interest-free tenure of up to 55 days if they keep paying their balance outstanding in full on or before the due
  10. Extra Privileges at Amusement Parks: At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, the card member can get up to 15% discount on general admission tickets and passes purchased at the park ticket counters, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth AED 150 for priority access to ticket counters and rides.

Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.

  1. Complimentary Golf Access: The card member can get free access to a range of golf clubs including The Track Meydan Golf Dubai, Yas Links Golf Club Abu Dhabi, and Arabian Ranches Golf Club
  2. Buy one, Get one offers: The cardholder can avail hundreds of free offers across the Middle East & Africa throughout fine dining establishments, premium spas & much more.
  3. Minimum Due Amount: The card member can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding amount of balance to the billing cycle of next month.
  4. Cash Loan: With this credit card, the cardholder can avail the ADCB credit card loan facility through which they get cash against their available credit limit with a pay The repayment of the amount can be done in easy installments of up to 24 months.
  5. Credit Shield: At a nominal monthly fee, the card offers an optional insurance plan which covers the outstanding balance of the card for up to the limit of AED 200,000 against any unforeseen event such as critical illness, permanent total disablement, or
  6. No Interest Balance Transfer: This feature can be availed within 90 days of registration of the card along with the flexibility of making easy repayment through installments of 24 months (maximum).
  7. Installment Plan: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum). 

LuluPoints Credit Cards:

Following are the LuluPoints Credit Cards offered by the ADCB: 

ADCB LuLu Platinum Credit CardADCB LuLu Platinum Credit Card

  • Annual Membership Fee: No annual fee
  • Retail Interest Per Month: 3.25

Features & Benefits of this ADCB Credit Card: 

  1. Complimentary Lounge Access: The cardholder can enjoy unlimited complimentary airport lounge access at over 25 local and international airport lounges across various countries.
  2. Extra Privileges at Amusement Parks: At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, the card member can enjoy up to 15% discount on general admission tickets and passes purchased at the park ticket counters, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth AED 150 for priority access to ticket counters and rides.

Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks. 

  1. Buy 1 Get 1 Offer: This ADCB credit card offers hundreds of Buy 1 Get 1 offer on fine dining, premium spas and much more across the Middle East &
  2. Careem Rides: Cardholders can avail 20% discount on three Careem rides each month. In order to avail this offer, they need to use the promo code MASTERCARD at the time of booking.
  3. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  4. Interest-Free Period: The cardholder can enjoy an interest-free tenure of up to 55 days if they keep paying their balance outstanding in full on or before the due
  5. Minimum Due Amount: The card member can pay as little as 5% of their outstanding amount every They can carry forward the outstanding balance to the billing cycle of next month.
  6. No Interest Balance Transfer: This feature can be availed within 90 days of registration of the card  along with the flexibility of making easy repayment through installments of 24 months (maximum).
  7. Credit Card Loan: With this credit card, the cardholder can avail the ADCB credit card loan  facility through which they get cash against their available credit limit with a pay The repayment of the amount can be done in easy installments of up to 24 months.
  8. Installment plans: This credit card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum) at low rates of interest.
  9. Credit Shield: At a nominal monthly fee, the card offers an optional insurance plan which covers the outstanding balance of the card for up to the limit of AED 200,000 against any unforeseen event such as critical illness, permanent total disablement, natural death, and involuntary loss of employment.
  10. LuLu Points: With the ADCB Credit Card, the cardholder can earn up to 5 LuLu points for each AED spent at a LuLu store. For other purchases, they can earn 1.25 LuLu points for each AED Every 5,000 LuLu Points can be converted into a voucher worth AED 50.

ADCB LuLu Titanium Credit CardADCB LuLu Titanium Credit Card

  • Annual Membership Fee: No annual fee
  • Retail Interest Per Month: 3.25%

Features & Benefits of this ADCB Credit Card: 

  1. Complimentary Lounge Access: The cardholder can enjoy complimentary airport lounge access at around 10 airport lounges across the Middle East which includes UAE, Egypt, KSA, Kuwait, and
  2. Extra Privileges at Amusement Parks: At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, the card member can enjoy up to 15% discount on general admission tickets and passes purchased at the park ticket counters, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth AED 150 for priority access to ticket counters and rides.

Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.

  1. Buy 1 Get 1 Offer: This ADCB credit card offers hundreds of Buy 1 Get 1 offer on fine dining, premium spas and much more across the Middle East &
  2. Careem Rides: Cardholders can avail 20% discount on three Careem rides each month. In order to avail this offer, they need to use the promo code MASTERCARD at the time of booking.
  3. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  4. Interest-Free Period: The cardholder can enjoy an interest-free tenure of up to 55 days if they keep paying their balance outstanding in full on or before the due
  5. Minimum Due Amount: The card member can pay as little as 5% of their outstanding amount month. They can carry forward the outstanding balance to the billing cycle of next
  6. No Interest Balance Transfer: This feature can be availed within 90 days of registration of the card along with the flexibility of making easy repayment through installments of 24 months (maximum).
  7. Credit Card Loan: With this credit card, the cardholder can avail the ADCB credit card loan  facility through which they get cash against their available credit limit with a pay The repayment of the amount can be done in easy installments of up to 24 months.
  8. Installment plans: This credit card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum) at low rates of interest.
  9. Credit Shield: At a nominal monthly fee, the card offers an optional insurance plan which covers the outstanding balance of the card for up to the limit of AED 200,000 against any unforeseen event such as critical illness, permanent total disablement, natural death, and involuntary loss of employment.
  10. LuLu Points: With the ADCB Credit Card, the cardholder can earn up to 5 LuLu points for each AED spent at a LuLu store. For other purchases, they can earn 1 LuLu point for each AED spent. Every 5,000 LuLu Points can be converted into a voucher worth AED 50. 

SimplyLife Credit Cards:

Following are the SimplyLife Credit Cards offered by the ADCB:

ADCB SimplyLife Cash Back Credit CardADCB SimplyLife Cash Back Credit Card

  • Annual Membership Fee: No annual fee
  • Retail Interest Per Month: 3.25%

Features & Benefits of this ADCB Credit Card: 

  1. Rewards: The cardholder can enjoy cash back of one percent on all the purchases they make using this ADCB SimplyLife Cash Back Credit Card. To be eligible for this cash back, the cardholder has to make a purchase of AED 1,000 every They get a maximum cash back of AED1,000 monthly.
  2. Movie Offers: The card member gets 2 complimentary movie tickets when they make purchases of AED 1,500 or more in a They also get cash back of up to AED 70 simply by purchasing 2 tickets anywhere for any show within the UAE.
  3. Airport Lounge: This ADCB SimplyLife credit card offers free access to premium airport lounges in Dubai and Abu
  4. Balance Transfer: The card member can easily transfer their outstanding balance from other bank’s credit card to their ADCB credit card at low-interest
  5. Simple Installments: This ADCB Credit Card allows the card members to split their transactions at low rate of interest and pay in easy to pay monthly installments of up to 24 months.
  6. Credit Card Loan: With this credit card, the cardholder can avail the ADCB credit card loan facility through which they get cash against their available credit limit with a pay The repayment of the amount can be done in easy installments of up to 24 months.
  7. Fast Pay: Members of this credit card can now pay their credit card bills free of cost at any of the ADCB’s branches and selected ATMs throughout the UAE. In addition to this, they can make the payment at ENOC/EPPCO fuel stations, UAE Exchange, AI Ansari Exchange, LuLu Exchange branches at a nominal fees.

ADCB SimplyLife Family Credit CardADCB SimplyLife Family Credit Card

The bank offers two types of Family Card one is “ADCB SimplyLife Family Credit Card” and the other one is “ADCB SimplyLife Family Premium Credit Card”.

  • Annual Membership Fee: AED 523.95 (However, the ADCB SimplyLife Family Credit Card does not charge an annual fee).
  • Retail Interest per Month: 3.25%

Features & Benefits of this ADCB Credit Card: 

  1. Insurance: Members of this card can keep their families safe with the amazing facility of complimentary life insurance a maximum of AED 100,000 on this card. In addition to this, members of the ADCB SimplyLife Family Premium Credit Card can avail a critical illness coverage of AED 50,000.
  2. Photo Card: ADCB provides their cardholders a facility of personalizing their card with a picture of their choice thereby making their memories live longer.
  3. Fast Pay: Members of this credit card can now pay their credit card bills free of cost at any of the ADCB’s branches and selected ATMs throughout the UAE. In addition to this, they can make the payment at ENOC/EPPCO fuel stations, UAE Exchange, AI Ansari Exchange, LuLu Exchange branches at a nominal fees.
  4. Movie Offers:
    • ADCB SimplyLife Family Credit Card: On purchasing 2 cinema tickets at any cinema throughout the UAE for any show, member of this credit card can earn cash back of up to AED 70 for the movie tickets. Please note that this offer is applicable on a minimum monthly spend of AED 1500 and the earned cash back will be credited automatically.
    • ADCB SimplyLife Family Premium Credit Card: On purchasing 6 cinema tickets at any cinema throughout the UAE for any show, member of this credit card can earn cash back of up to AED 210 for the movie tickets. Please note that this offer is applicable on a minimum monthly spend of AED 1500 and the earned cash back will be credited automatically.
  1. Balance Transfer: The card member can easily transfer their outstanding balance from other bank’s credit card to their ADCB credit card at low-interest
  2. Simple Installments: This ADCB Credit Card allows the card members to split their transactions at low rate of interest and pay in easy to pay monthly installments of up to 24 months.
  3. Credit Card Loan: With this credit card, the cardholder can avail the ADCB credit card loan facility through which they get cash against their available credit limit with a pay order. The repayment of the amount can be done in easy installments of up to 24 months. 

UAE Nationals Credit Card:

Following is the UAE Nationals Credit Card offered by the ADCB: 

ADCB Betaqti Credit CardADCB Betaqti Credit Card

This ADCB credit card is exclusively available for the UAE Nationals.

  • Annual Membership Fee: AED 2,100
  • Retail Interest per Month: 50%

Features & Benefits of this ADCB Credit Card:

  1. Rewards:
    • Welcome Bonus: The card member can enjoy 300,000 TouchPoints as a welcome bonus.
    • Daily Rewards: The card member can earn 3 TouchPoints for each AED spent.
    • Anniversary Rewards: The cardholder can earn: 

    750,000 TouchPoints with an annual spend of AED 500,000

    500,000 TouchPoints with an annual spend of AED 350,000

    250,000 TouchPoints with an annual spend of AED 250, 000

  1. Lifestyle benefits: The cardholder can enjoy various lifestyle perks and privileges with this card:
    • Buy One Get One Free movie ticket offer at VOX Cinemas including theatre by Rhodes.
    • Free access to all gym clubs throughout the UAE.
    • U by Emaar Platinum tier membership on a complimentary basis
    • BOGO offers at Caribou Coffee
    • Exclusive benefits at Yas Island Theme Parks & Attractions
    • Concierge services globally
    • 20% off on Careem Rides three times a month
    • Wide range of excusive benefits at The Coffee Club, Mandoos, Jumeirah at Etihad Towers, The Regis Abu Dhabi etc.
  1. Travel Benefits: Following are the travel benefits offered by this ADCB credit card:
    • Free access to more than 1000 airport lounges globally
    • Hertz President’s Circle Status
    • Free nights at participating Marriott Bonvoy Hotels
    • Up to 25% off on all rentals with
    • comprehensive travel insurance cover
    • Premium hotel perks and privileges
  1. MasterCard World Elite Benefits
  2. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  3. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  4. Balance Transfers: The card member can easily transfer their outstanding balance from other bank’s credit card to this ADCB credit card at no interest.
  5. Cash Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy installments of a maximum of 24 months. 

ADCB Islamic Credit Cards

ADCB offers the following Islamic credit cards: 

ADCB Islamic Classic Credit Card ADCB Islamic Classic Credit Card

  • Annual Membership Fee: AED 105
  • Cash Advance Charge: AED 105

Features & Benefits of this ADCB Credit Card: 

  1. Utility Bill Payments: Cardholders can pay their utility bills using personal Internet banking account or the Mobile Banking app of ADCB without waiting in a long
  2. Pay Order: With this ADCB credit card, cardholders can get cash against their available credit limit with a pay The money gets transferred to their account within the duration of 3 working days. The repayment can be done in simple installments of maximum 24 months.
  3. Fast Pay: Cardholders can pay their credit card bills at any one of the 50+ ADCB branches, AI Ansari Exchanges, UAE Exchange Centre Branches, EPPCO and ENOC stations, and at selected .
  4. Minimum Due Amount: The cardholder can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding amount to the billing cycle of the next month.
  5. Credit Shield Takaful: It is an optional plan that covers the card against various emergencies such as permanent or total disablement, natural death, critical illness, and involuntary loss of employment.
  6. TouchPoints Reward Program: With this ADCB Card, the cardholder can earn 5 TouchPoints for each AED spent.

ADCB Islamic Gold Credit Card ADCB Islamic Gold Credit Card

  • Annual Membership Fee: AED 210
  • Cash Advance Charge: AED 105

Features & Benefits of this ADCB Credit Card: 

  1. Utility Bill Payments: Card members can pay their utility bills using personal Internet banking account or the Mobile Banking app of ADCB without waiting in a long
  2. Fast Pay: Cardholders can pay their credit card bills at any one of the 50+ ADCB branches, AI Ansari Exchanges, EPPCO & ENOC stations, UAE Exchange Centre Branches, and at selected
  3. Islamic Credit Card Shield (Takaful): In case of critical illness or permanent disability, involuntary employment loss, or even natural death this ADCB card offers protection to the cardholder and his In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 0.9345 percent of the entire outstanding amount.
  4. Minimum Due Amount: The cardholder can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding amount of balance to the billing cycle of next month.
  5. Pay Order: With this ADCB credit card, cardholders can also get cash against their available credit limit with a pay The money gets transferred to their account within the duration of 3 working days. The repayment can be done in simple installments of maximum 24 months.
  6. TouchPoints Reward Program: With this ADCB Islamic Gold Credit Card, the cardholder can earn 0.75 TouchPoint for each AED spent. 

ADCB Islamic Platinum Credit Card ADCB Islamic Platinum Credit Card

  • Annual Membership Fee: AED 630
  • Cash Advance Charge: AED 105

Features & Benefits of this ADCB Credit Card: 

  1. Utility Bill Payments: Cardholders can pay their utility bills using their personal Internet banking or through the mobile banking app of ADCB without waiting in a long queue.
  2. Purchase Protection: The cardholder can avail free purchase protection on the products purchased using the ADCB Islamic Platinum Credit Card valid from the purchase date up to 90 It covers the loss or theft of goods as well as accidental damage.
  3. Pay Order: With this ADCB credit card, cardholders can also get cash against their available credit limit with a pay The money gets transferred to their account within the duration of 3 working days. The repayment can be done in simple installments of maximum 24 months.
  4. Fast Pay: Cardholders can pay their credit card bills at any one of the 50+ ADCB branches, AI Ansari Exchanges, UAE Exchange Centre Branches, EPPCO and ENOC stations, and at selected 
  1. Islamic Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 0.9345 percent of the entire outstanding amount.
  2. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for 24 months on various products purchased using this credit card.
  3. Global Assistance: The member of the ADCB Islamic Platinum Credit Card gets access to a host of privileges and benefits all over the
  4. Complimentary Airport Lounge Access: With this card, the cardholder can enjoy complimentary access to some premium airport loungesall over the world. .
  5. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every They can carry forward the outstanding balance to the billing cycle of next month.
  6. TouchPoints Reward Program: With the ADCB Credit Card, the cardholder can earn 1 TouchPoint for each AED 

ADCB Islamic TouchPoints Infinite Credit Card ADCB Islamic TouchPoints Infinite Credit Card

  • Annual Membership Fee: AED 1050 (AED 525 for Excellency members)
  • Profit Rate Per Month: 3.25%

Features & Benefits of this ADCB Credit Card: 

  1. Lifestyle Benefits: This credit card offers various lifestyle benefits including: 
    • Free two nights’ stay worth AED 12,000 that can be redeemed at Hotels.com anywhere across the world.
    • Free Platinum Membership at U by Emaar
    • BOGO offers at Caribou coffee
    • 20 percent discount on Talabat orders
    • 15 percent discount on noon.com
    • 50 percent discount on weekend rides with Careem
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • Free golf access
    • 24/7 global concierge services
    • Various 2 for 1 offers through MENA app 
  1. Travel Benefits: The cardholder can avail free unlimited access to more than 1,000 airport lounges around many cities across the globe. They can also enjoy discounts on hotel booking via Agoda, free airport chauffer, and access to airport dining offers via Dragon Pass Dine and Fly.
  2. Visa Benefits: This Visa card lets you enjoy various attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
  3. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  4. Minimum Due Amount: The card member can pay as little as 5% of the  outstanding amount  every They can carry forward the outstanding balance to the billing cycle of next month.
  5. Pay Order: With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay The money gets transferred to their account within a duration of 3  working days.  The repayment can be done in simple installments of maximum 24 months.
  6. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  7. Balance Transfer: This feature can be availed within 90 days of registration of the card along with the flexibility of making easy repayment through installments of 24 months (maximum).
  8. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder and their family in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount.  The maximum  coverage offered is AED 200,000.
  9. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third
  10. Multi-Trip Travel Cover: The ADCB offers a free multi-trip travel cover with this credit card, which protects the cardholder and their family on local and international trips for a maximum of 90
  11. TouchPoints Reward Program: With this TouchPoints Credit Card, the cardholder can earn 5 TouchPoints for each AED spent. They can receive 15,000 TouchPoints as a bonus on spending AED 15,000 every month. 

ADCB Islamic TouchPoints Platinum Credit Card ADCB Islamic TouchPoints Platinum Credit Card

  • Annual Membership Fee: AED 630 (Free for the 1st year)
  • Profit Rate Per Month: 3.25%

Features & Benefits of this ADCB Credit Card: 

  1. Movie Offers: The cardholder can enjoy BOGO offer at VOX cinemas. 
  1. Lifestyle Benefits: This credit card offers various lifestyle benefits including: 
    • 20 percent discount on Talabat orders
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • Free golf access
    • Various 2 for 1 offers through MENA app 
  1. Travel Benefits: The cardholder can avail free access to airport lounges across the globe three times a year. They can also enjoy a maximum of 12% discounts on hotel booking via Agoda, and access to airport dining offers via Dragon Pass Dine and
  2. Visa Benefits: This credit card lets you enjoy various Visa Platinum privileges and benefits.
  3. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount. The maximum coverage offered is AED 100,000.
  4. Extended Warranty & Purchase Protection: The cardholder can avail purchase protection on the products purchased using this TouchPoints card. It covers the loss or theft of goods as well as accidental damage.
  5. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  6. Minimum Due Amount:The card member can pay as little as 5% of the  outstanding amount  every They can carry forward the outstanding balance to the billing cycle of next month.
  7. Pay Order:With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay The money gets transferred to their account within a duration of 3  working days.  The repayment can be done in simple installments of maximum 24 months.
  8. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  9. Balance Transfer: This feature can be availed within 90 days of registration of the card along with the flexibility of making easy repayment through installments of 24 months (maximum).
  10. TouchPoints Reward Program: With this TouchPoints Credit Card, the cardholder can earn 1 TouchPoint for each AED spent. They can receive 10,000 TouchPoints as bonus on spending AED 10,000 every

ADCB Islamic TouchPoints Gold Credit Card ADCB Islamic TouchPoints Gold Credit Card

  • Annual Membership Fee: No annual fee
  • Profit Rate Per Month: 3.25%

Features & Benefits of this ADCB Credit Card: 

  1. Movie Offers: The cardholder can enjoy BOGO offer at VOX cinemas.
  2. Lifestyle Benefits: With ADCB Titanium Credit Card benefits, the cardholder can enjoy various lifestyle privileges including:
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • A maximum of 25% discount at more than 1400 restaurants.
    • Various 2 for 1 offers through the MENA app 
  1. Visa Benefits: This credit card lets you enjoy various Visa benefits.
  2. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount.  The maximum  coverage offered is AED 75,000.
  3. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  4. Minimum Due Amount:The card member can pay as little as 5% of the  outstanding amount  every They can carry forward the outstanding balance to the billing cycle of next month.
  5. Pay Order: With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay The money gets transferred to their account within a duration of 3  working days.  The repayment can be done in simple installments of maximum 24 months.
  6. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  7. Balance Transfer: This feature can be availed within 90 days of registration of this ADCB  Credit Card along with the flexibility of making easy repayment through installments of 24 months (maximum).
  8. TouchPoints Reward Program: With this TouchPoints Credit Card, the cardholder can earn 5 TouchPoint for each AED spent. They can receive 5,000 TouchPoints as bonus on spending AED 5,000 every month.

ADCB Islamic Etihad Guest Infinite Credit Card ADCB Islamic Etihad Guest Infinite Credit Card

  • Annual Membership Fee: AED 2625 (AED 1312.50 for Excellency members) 
  • Profit Rate Per Month: 3.25% 

Features & Benefits of this ADCB Credit Card: 

  1. Signup Bonus: As a sign-up bonus, the ADCB Islamic Etihad Guest Infinite Card offers 60,000 Etihad Guest
  2. Etihad Guest Miles:The cardholder can earn 2 Etihad Guest Miles for local Additionally, they earn 3 Etihad Guest Miles when the card is used for purchases with Etihad Airways and for foreign purchases.
  3. Monthly Bonus: Cardholders will also receive 5,000 Etihad Guest Miles as a monthly bonus when their monthly purchases are equivalent to or higher than USD 5,000.
  4. Tier Miles:The cardholder can earn Tier Miles on making purchasing through this credit ca They can earn 1 Etihad Guest Tier mile for each USD of eligible purchase, local as well as international.
  5. Travel Benefits: Members of this credit card can avail a wide range of travel perks that includes:
    • Etihad Guest Gold Tier Membership
    • Etihad Guest gold perks and privileges
    • A maximum of 4 flight upgrade vouchers on a complimentary basis.
    • Airport chauffeur rides with Careem on a complimentary basis.
    • Free airport lounge access at 1000+ airport lounges.
    • A maximum of 12% discount on Agoda bookings
    • Benefits of Visa Luxury hotel collection
    • Multi-trip travel insurance
  1. Lifestyle Benefits: This ADCB Islamic Credit card offers top of the line lifestyle benefits and they are as follows:
    • Free golf access at some of the leading golf courses.
    • Buy one get one free offer at Caribou Coffee.
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • A maximum of 30% discount at more than 1500 restaurants all over the UAE and also exciting offers on shopping, travel, and entertainment.
    • Various 2 for 1 offers through the MENA app
    • Round the clock concierge service globally
  1. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  2. Minimum Due Amount: The card member can pay as little as 5% of the  outstanding amount  every They can carry forward the outstanding balance to the billing cycle of next month.
  3. Pay Order: With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay The money gets transferred to their account within a duration of 3  working days.  The repayment can be done in simple installments of maximum 24 months.
  4. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  5. Balance Transfer: This feature can be availed within 90 days of registration of this ADCB  Credit Card along with the flexibility of making easy repayment through installments of 24 months (maximum).
  6. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount.  The maximum coverage offered is AED 200,000.
  7. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third
  8. Purchase Protection: The cardholder can avail free purchase protection on the products purchased using the ADCB Islamic Platinum Credit Card valid from the purchase date up to 90 It covers the loss or theft of goods as well as accidental damage.
  9. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for 24 months on various products purchased using this credit card.

ADCB Islamic Etihad Guest Signature Credit CardADCB Islamic Etihad Guest Signature Credit Card

  • Annual Membership Fee: AED 1050 (Free for Excellency members)
  • Profit Rate Per Month: 3.25%

Features & Benefits of this ADCB Credit Card:

  1. Signup Bonus: As a sign-up bonus, the ADCB Islamic Etihad Guest Signature Credit Card offers 35,000 Etihad Guest
  2. Etihad Guest Miles:The cardholder can earn 1.25 Etihad Guest Miles for local purchases. Additionally, they earn 2 Etihad Guest Miles when the card is used for purchases with Etihad Airways and for foreign purchases.
  3. Monthly Bonus: Cardholders will also receive 2,000 Etihad Guest Miles as a monthly bonus when their monthly purchases are equivalent to or higher than USD 2,000.
  4. Tier Miles:The cardholder can earn Tier Miles on making purchasing through this credit ca They can earn 1 Etihad Guest Tier mile for each USD of eligible purchase, local as well as international.
  5. Travel Benefits: Members of this credit card can avail a wide range of travel perks that includes:
    • Etihad Guest Silver Tier Membership
    • A maximum of 2 flight upgrade vouchers on a complimentary basis.
    • Airport chauffeur rides with Careem on a complimentary basis.
    • Free airport lounge access at 1000+ airport lounges.
    • A maximum of 12% discount on Agoda bookings
    • Benefits of Visa Luxury hotel collection
    • Multi-trip travel insurance
  1. Lifestyle Benefits: This ADCB Islamic Credit card offers top of the line lifestyle benefits and they are as follows:
    • Free golf access at some of the leading golf courses.
    • Various 2 for 1 offers through the MENA app
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • A maximum of 30% discount at more than 1500 restaurants all over the UAE and also exciting offers on shopping, travel, and entertainment.
    • Round the clock concierge service globally
  1. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  2. Minimum Due Amount: The card member can pay as little as 5% of the  outstanding amount  every They can carry forward the outstanding balance to the billing cycle of next month.
  3. Pay Order: With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay The money gets transferred to their account within a duration of 3  working days.  The repayment can be done in simple installments of maximum 24 months.
  4. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  5. Balance Transfer: This feature can be availed within 90 days of registration of this ADCB  Credit Card along with the flexibility of making easy repayment through installments of 24 months (maximum).
  6. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount. The maximum coverage offered is AED 100,000.
  7. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third
  8. Purchase Protection: The cardholder can avail free purchase protection on the products purchased using the ADCB Islamic Platinum Credit Card valid from the purchase date up to 90 It covers the loss or theft of goods as well as accidental damage.
  9. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for 24 months on various products purchased using this credit card.

ADCB Islamic Etihad Guest Platinum Credit CardADCB Islamic Etihad Guest Platinum Credit Card

  • Annual Membership Fee: AED 525 (Free for Excellency members)
  • Profit Rate Per Month: 3.25%

Features & Benefits of this ADCB Credit Card:

  1. Signup Bonus: As a sign-up bonus, the ADCB Etihad Guest Platinum Credit Card offers 12,000 Etihad Guest
  2. Etihad Guest Miles: The cardholder can earn 1 Etihad Guest Miles for local purchases. Additionally, they earn 1.25 Etihad Guest Miles when the card is used for purchases with Etihad Airways and for foreign purchases.
  3. Monthly Bonus: Cardholders will also receive 1,000 Etihad Guest Miles as a monthly bonus when their monthly purchases are equivalent to or higher than USD 1,000.
  4. 4. Travel Benefits: Members of this credit card can avail a wide range of travel perks that includes:
    • 3 free airport lounge access at 1000+ airport lounges.
    • A maximum of 12% discount on Agoda bookings
    • Benefits of Visa Luxury hotel collection
  1. Lifestyle Benefits: This ADCB Islamic Credit card offers top of the line lifestyle benefits and they are as follows:
    • Various 2 for 1 offers through the MENA app
    • Exclusive offers and privileges at Yas Island Adventure Parks
    • A maximum of 30% discount at more than 1500 restaurants all over the UAE and also exciting offers on shopping, travel, and entertainment.
  1. ADCB Mobile Application: This official mobile app helps the cardholder in managing and controlling the transactions and maintaining spending limits simply by using their mobile phones.
  2. Minimum Due Amount: The card member can pay as little as 5% of the  outstanding amount  every They can carry forward the outstanding balance to the billing cycle of next month.
  3. Pay Order: With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay The money gets transferred to their account within a duration of 3  working days.  The repayment can be done in simple installments of maximum 24 months.
  4. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  5. Balance Transfer: This feature can be availed within 90 days of registration of this ADCB  Credit Card along with the flexibility of making easy repayment through installments of 24 months (maximum).
  6. Credit Card Shield (Takaful): This ADCB credit card provides protection to the cardholder in case of critical illness or permanent disability, involuntary employment loss, or even natural In order to avail these benefits, the cardholder has to enroll themselves in the Takaful program by paying a nominal monthly fee of 1.0395 percent of the entire outstanding amount. The maximum coverage offered is AED 100,000.
  7. Purchase Protection: The cardholder can avail free purchase protection on the products purchased using the ADCB Islamic Platinum Credit Card valid from the purchase date up to 90 It covers the loss or theft of goods as well as accidental damage.
  8. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for 24 months on various products purchased using this credit card. 

Features and Benefits of the ADCB Credit Card 

Following are the major benefits and features offered by ADCB credit card:

Airport Lounge Access

The cardholder can spend their waiting time at the luxurious airport lounges across thousands of locations with the ADCB credit card. The primary cardholder can bring a guest and enjoy this privilege.

Golf Benefits

The UAE is home to some of the best golf courses in the world. With the ADCB credit cards, the card member can avail complimentary access to some of the best golf courses across the country. Upon spending a minimum amount per month, some ADCB credit cards offer complimentary golf access.

Free Movie Ticket Offers

With certain ADCB credit cards, the card member can avail Buy One Get One Free offers on movie tickets at VOX Cinemas all over the nation. It is valid for 2D, 3D, and IMAX Movie Tickets purchased with ADCB credit card through the official website of VOX Cinemas or the VOX Mobile App. Best of all,  no  minimum  monthly purchase is required to be eligible for this exciting offer. This is not less than a treat for movie-goers.

Installment Plans

Majority of the ADCB credit cards offer the cardholder to convert high-value transactions into monthly installment plans at low-interest rates and tenors of up to 24 months. In addition to this, it also offers 0% installment payment plans for specific merchants.

No Annual Fees

Many of the ADCB credit cards are fee-free for life. ADCB credit cards compare also loaded with exciting benefits and features that enable the cardholder to make the most of their credit card.

Credit Shield

ADCB credit cards provide an insurance policy known as Credit Shield. Under this insurance policy, any unforeseen event such as critical illness, natural death, permanent total disablement, and involuntary loss of employment are covered by Abu Dhabi National Insurance Company (ADNIC).

Convenient Payment Options

The cardholder can make ADCB Credit Card payment for their outstanding amount through Personal  Internet Banking, Mobile banking, Cash Deposit machines, or through any of the ADCB branches. They can also set up auto debit instructions to pay off their credit card bill using their ADCB Saving or Current Bank Account.

Alternatively, member of the ADCB credit card can make payments at ENOC/EPPCO, UAE Exchange, AI Ansari Exchange or at LuLu Exchange branches.

Note- A nominal transaction fee of AED 5 per payment will be charged for credit card bill payments made through partner payment locations.

Travel Gains

Keeping the need of avid travelers in mind, the ADCB card offers some of the best travel credit cards that   are loaded with exclusive travel benefits. From a complimentary stay in world-class hotels to upgraded room category, ADCB credit cards enable the cardholder to avail the best travel benefits. Additionally, travel benefits also include discounted car rentals and complimentary travel insurance. 

ADCB Credit Card Profit/Interest Rates and Annual Fees

Given below are the profit/interest rates and annual fees for all ADCB credit cards: 

ADCB Card Name Profit Rate/ Retail Monthly Interest Rate (in %) Annual Membership Fee (in AED)

ADCB Islamic Classic Credit Card

-

105

ADCB Islamic Gold Credit Card

-

210

ADCB Islamic Platinum Credit Card

-

630

ADCB Islamic TouchPoints Gold Card

3.25

0

ADCB Islamic TouchPoints Platinum Card

3.25

AED 630 (Free for the 1st Year)

ADCB Islamic TouchPoints Infinite Card

3.25

1,050 (525 for excellency members)

ADCB Islamic Etihad Guest Platinum Card

3.25

525

ADCB Islamic Etihad Guest Signature Card

3.25

1050

ADCB Islamic Etihad Guest Infinite Card

3.25

2625(1312.50 for excellency members)

ADCB Etihad Guest Infinite Credit Card

3.25

2625

ADCB Etihad Guest Signature Credit Card

3.25

1050

ADCB Etihad Guest Platinum Credit Card

3.25

525

ADCB Betaqti Credit Card

2.50

2100

ADCB TouchPoints Infinite Credit Card

3.25

1050

ADCB TouchPoints Platinum Credit Card

3.25

630 (Free for the 1st Year)

ADCB TouchPoints Titanium/Gold Credit Card

3.25

0

ADCB Lulu Titanium Credit Card

3.25

Nil

ADCB Lulu Platinum Credit Card

3.25

Nil

ADCB SimplyLife Cash Back Credit Card

3.25

Nil

ADCB Simply Life Family Credit Card

3.25

Nil

ADCB Simply Life Family Credit Card Premium

3.25

525.95

(Updated as on March, 2020) 

Eligibility Criteria of ADCB Credit Card

If the applicant meets the ADCB credit card eligibility requirements, applying for an ADCB Credit Card is not  at all difficult. Following are some of the factors that determine whether an applicant is eligible for an ADCB credit card or not: 

  1. Age: In order to apply for an ADCB card, the applicant should fall in the age group of 21 years to 65
  2. Income: Each of the ADCB Credit Card comes with a minimum monthly income It means that the applicant should have a steady source of income. They must have the proof of permanent monthly income to be eligible for ADCB credit cards.
  3. Address Proof: A valid residence address is also required to complete the credit card application
  4. Credit Score: No matter how good the monthly salary is, poor credit history may result in rejection of the credit card That is why having a good credit history is essential for getting an ADCB credit card. 

How to Apply for an ADCB Credit Card?

The applicant can apply for ADCB Credit Card by visiting the nearest bank branch or by submitting the credit card application online or via phone. Applicants can apply for any of the below credit cards:            

Online Application

Nowadays, banks in the UAE offer an online application process. In order to understand the  features, benefits, and requirement of the credit card, the applicants can click on  the  credit cards section on  the  official website of ADCB and opt for the credit card which suits their financial needs and requirements. They can click on the apply button, fill in  the required information, and submit their credit card application. Once  all the details are filled in, the bank officials will verify the  credibility of  the  provided information. Based on the eligibility criteria of the applicant, they will decide whether the applicant will get the credit card or not.

Bank Branch Visit

The applicant can also opt for an ADCB credit card by visiting the nearest bank branch and apply for the credit card that suits their basic requirements. The applicant has to fill in all the basic details in the credit  card application form. If they meet the eligibility criteria as per the bank’s guidelines, their credit card application will be taken forward.

Phone Banking

The applicant can also apply for an ADCB credit card by contacting the bank on their official number. 

Documents Required to Apply for an ADCB Credit Card

Documents required to complete the ADCB credit card application are as follows: 

  • Passport (For expats)
  • UAE Residence Visa (For expats)
  • Emirates ID
  • Salary Certificate
  • 3 to 6 months’ bank statements Address Proofs (such as utility bills)
  • A trade license (for self-employed individuals) 

ADCB Credit Card Limit

Different ADCB credit cards come with different card limit. While deciding the credit card limit for each applicant,  the following common parameters are taken into consideration. 

  • Type of ADCB credit card
  • Credit history of the applicant
  • Income & other debts
  • Track record with ADCB 

Fees & Charges of ADCB Credit Cards

It is very important to understand the various charges applicable on the ADCB credit card before using it. It helps to avoid paying extra. Here are the fees & charges applicable on ADCB credit cards: 

  1. Annual Membership Fees: Vary from card to card
  2. Late payment Fees: AED 50 (if the minimum payment due is not paid by the due date)
  3. Over Limit Fees: AED 75
  4. Card replacement fee: AED 75 

However, the complete list of ADCB Islamic as well as conventional credit card fees & charges can be found online on the official website of the bank. 

How to Cancel an ADCB Credit Card?

In case the cardholder isn’t able to use the  card, and  they want to  prevent charges from accumulating on the unused ADCB credit card, they should immediately cancel it. This helps them to avoid paying extra charges.

For cancelling the ADCB credit card, cardholder needs to contact the ADCB customer service representative and request for cancellation. The representative may require written confirmation for the same. Also, keep in mind that the cancel request will only be completed after all the payment of the outstanding balance is made by the cardholder. Once all the dues have been paid, the bank will cancel the credit card.

However, the bank may also cancel the credit card from their end in the following cases: 

  • If the card member has been continuously missing the payment of their credit card bill.
  • If the card member uses the card for unlawful
  • If the card has been inactive for a specific period of time (usually 12 months). 

Why Choose ADCB’s Credit Card?

ADCB is renowned for offering innovative and customer-friendly financial services. ADCB credit cards are a prime example of their commitment to customers from all economic standings. There are a dozen of reasons to pick ADCB credit card; however, following are the major ones.

Variety of Credit Cards

Ranging from free for life to high rewards credit cards; ADCB has managed to offer various categories for all types of credit card customers. They can choose any of the credit card that perfectly suits their needs, lifestyle, as well as budget.

Excellent Benefits & Features

Another major reason for choosing ADCB credit cards is that they are loaded with exciting benefits and features, which make the shopping experience truly rewarding.

Tie-up with Top Brands

Majority of the credit cards have a tie-up with top brands such as VOX Cinemas, The Track Meydan Golf Dubai, Yas Links Golf Club Abu Dhabi, St. Regis Hotels & Resorts, Westin, W Hotels, Sheraton and many more that offer extra privileges and benefits to the cardholder. 

ADCB Credit Cards - FAQs

Q1: Can I make utility bill payments using my ADCB credit card?

Ans: Yes, you can make utility bill payments using your ADCB credit card. 

Q2: How can I use TouchPoints?

Ans: You can earn TouchPoints every time you use TouchPoints credit card. You can redeem the accumulated TouchPoints for booking airline tickets, shopping, dining, paying utility bills, fuel stations etc. 

Q3: What are the benefits offered by LuLu Credit card?

Ans: LuLu Credit cards are specially designed for LuLu shoppers. You earn LuLu points every time you  use this credit card. You can redeem the accumulated LuLu points for vouchers to spend at any of the LuLu stores in the UAE. Every transaction done through LuLu credit card earns points that can be redeemed for free shopping at a range of general stores including LuLu, AI Falah Plaza & Emirates general stores in the country.

Q4: What are the variants available for the ADCB LuLu Credit card? 

Ans: Currently, the ADCB LuLu Credit Card is available in the Titanium and  Platinumvariants. 

Q5: Can a supplementary card member avail complimentary airport lounge benefits? 

Ans: Yes, a supplementary card member can avail airport lounge benefits. 

Q6: Where I can use my ADCB credit card? 

Ans: You can use your ADCB credit card anywhere in the world and can avail exclusive privileges every time you use it.

Q7: How can I update my mobile number associated with the card? 

Ans: You can update your mobile number by contacting customer care. 

Q8: Can I transfer my TouchPoints to someone else’s account? 

Ans: No, you can’t transfer your TouchPoints to someone else’s account. 

Q9: What is an installment plan? 

Ans: An installment plan allows the cardholder to pay for a big amount in smaller installments over an  agreed  upon period of time. In other words, the cardholder can purchase items within their credit card limit and pay the full amount over a period of time. Majority of the ADCB credit cards offer zero interest installment plan, which charges no additional amount for the monthly installments. However, you should confirm whether the selected merchant is eligible for the installment plan before making a purchase.

Q10: Can I avail golf privileges with the ADCB credit cards?

Ans: Yes, you can avail complimentary golf privileges with the majority of the ADCB credit cards.

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