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 in UAE

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 requirements of various credit card applicants. Following are the credit cards offered by ADCB:

Etihad Guest Miles Credit Cards

• ADCB Etihad Guest Infinite Credit Card
• ADCB Etihad Guest Signature Credit Card
• ADCB Etihad Guest Platinum Credit Card

TouchPoints Credit Cards

• ADCB Touchpoints Infinite Credit Card
• ADCB Touchpoints Platinum Credit Card
• ADCB Touchpoints Titanium/Gold Credit Card

Travel Discounts Credit Card

• ADCB Traveller Credit Card

LuluPoints Credit Cards

• ADCB LuLu Platinum Credit Card
• ADCB LuLu Titanium Credit Card

SmplyLife Credit Cards

• ADCB SimplyLife Cash Back Credit Card
• ADCB SimplyLife Family Credit Card

UAE Nationals Credit Card

• ADCB Betaqti Credit Card

Islamic Credit Cards

• ADCB Islamic Classic Credit Card
• ADCB Islamic Gold Credit Card
• ADCB Islamic Platinum Credit Card
• ADCB Islamic TouchPoints Infinite Credit Card
• ADCB Islamic TouchPoints Platinum Credit Card
• ADCB Islamic TouchPoints Gold Credit Card
• ADCB Islamic Etihad Guest Infinite Credit Card
• ADCB Islamic Etihad Guest Signature Credit Card
• ADCB Islamic Etihad Guest Platinum Credit Card

Accor Cards

• ADCB Accor Signature Credit Card
• ADCB Accor Infinite Credit Card

Etihad Guest Miles Credit Cards:

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

ADCB Etihad Guest Infinite Credit Card

• Annual Membership Fee: AED 2,625 (AED 1,312.50 for Excellency members)
• Retail Interest Per Month: 3.25% 

Features & Benefits of ADCB Etihad Guest Infinite 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 purchases. 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 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 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 1,000+ 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
6. 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 across the UAE.
   • 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.
7. 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.
8. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every month. month. They can carry forward the outstanding balance to the billing cycle of next month.
9. 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 death. death. 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%of the entire outstanding amount. The maximum coverage offered is AED 200,000.
10. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third parties. parties.
11. 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 days. It covers the loss or theft of goods as well as accidental damage.
12. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for up to 1 year on various products purchased using this credit card.
13. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero % Profit Payment Plan for 24 months (maximum).
14. 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.
15. Credit Card Loan: With this ADCB credit card loan, the cardholder can get cash against their available credit limit with a pay order. order.They can repay the amount in easy installments of a maximum of 24 months.
16. 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 date.

ADCB Etihad Guest Signature Credit Card

• Retail Interest Per Month: 3.25%
• Annual Membership Fee: AED 1,050

Features & Benefits of ADCB Etihad Guest Signature Credit Card:

1. Signup Bonus: As a sign-up bonus, the ADCB Etihad Guest Signature Credit Card offers 35,000 Etihad Guest during the 1^st year of card membership.
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
6. 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.
7. 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.
8. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every month They can carry forward the outstanding balance to the billing cycle of next month.
9. 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 death. death. 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%of the entire outstanding amount. The maximum coverage offered is AED 100,000.
10. Misuse Protection: The cardholder can keep their card protected against fraudulent or unauthorized transactions or use of card by unwanted third parties. parties.
11. 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 365 days. It covers the loss or theft of goods as well as accidental damage.
12. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for up to 1 yearon various products purchased using this credit card.
13. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero % Profit Payment Plan for 48 months (maximum).
14. 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.
15. Cash Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. order. They can repay the amount in easy installments of a maximum of up to 48 months.
16. 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 date. date.
17. 0% Interest on Payments of School Fee: The cardmember can convert the school fee payment of their child into easy installments of up to 12 months at 0% interest charges and a nominal processing fee.

ADCB Etihad Guest Platinum Credit Card

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

Features & Benefits of ADCB Etihad Guest Platinum Credit Card:

1. Signup Bonus: As a sign-up bonus, the ADCB Etihad Guest Platinum Credit Card offers 12,000 Etihad Guest Miles during the 1^st year of card membership.
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. 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
5. 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.
6. 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.
7. 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 365 days. 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 up to 1 year on various products purchased using this credit card.
9. 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 death. 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% of the entire outstanding amount.
10. Easy Installments: This ADCB Credit Card allows the user to split their transactions in a Profit Payment Plan at low interest rates with terms of up to 48 months. When shopping at the partner merchants, payments can be made in installments at 0% interest charges and at a low processing fee.
11. 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 and can repay over a tenure of 48 months in easy installments at low interest charges.
12. Cash Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a credit card loan. They can repay the amount in easy installments of a maximum of 48 months.
13. 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 date. date.
14. 0% Interest on Payments of School Fee: The cardmember can convert the school fee payment of their child into easy instalments of up to 12 months at 0% interest charges and a nominal processing fee.

TouchPoints Credit Cards:

Following are the TouchPoints credit cards offered by the ADCB:

ADCB Touchpoints Infinite Credit Card

• Annual Membership Fee: AED 1,050 (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% discount on Talabat orders
   • 15% discount on noon.com
   • 50% discount on weekend rides with Careem
   • 15% discount on Noon.com
   • 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
3. 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.
4. Visa Benefits: This Visa card lets you enjoy various attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
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 month They can carry forward the outstanding balance to the billing cycle of next month.
7. Easy Installments: This ADCB Credit Card allows the user to split their transactions in a simple Profit Payment Plan for 24 months (maximum) at low rates of interest. Additionally, when shopping with the bank’s wide partner network, purchases can be paid back in installments at 0% interest charges.
8. 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.
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 date. date.
10. Debit Instructions: The cardholder can setup automatic debit instructions for making payments through their current or savings account.
11. 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 months.
12. 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.
13. 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 job.
14. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third parties. parties.
15. 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 days.
16. TouchPoints Reward Program: With this ADCB TouchPoints Credit Card, the cardholder can earn 1.5 TouchPoints for each AED spent. They can receive 15,000 TouchPoints as bonus on spending AED 15,000 every month.

ADCB Touchpoints Platinum Credit Card

• Annual Membership Fee: AED 630 (Free for the 1^st 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. 
2. Lifestyle Benefits: This credit card offers various lifestyle benefits including: 
   • 20% discount on Talabat orders
   • Exclusive offers and privileges at Yas Island Adventure Parks
   • Free golf access
   • Various 2 for 1 offers through MENA app 
3. 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.
4. 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.
5. 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 death. 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% of the entire outstanding amount. The maximum coverage offered is AED 200,000.
6. 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.
7. 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.
8. 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 months.
9. 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.
10. Easy Installments: This ADCB Credit Card allows the user to split their transactions in a simple Profit Payment Plan for 24 months (maximum) at low rates of interest. Additionally, when shopping with the bank’s wide partner network, purchases can be paid back in installments at 0% interest charges.
11. 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.
12. 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 date. date.
13. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every month They can carry forward the outstanding balance to the billing cycle of next month.
14. Debit Instructions: The cardholder can setup automatic debit instructions for making payments through their current or savings account.
15. 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 Card

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

Features & Benefits of ADCB Touchpoints Titanium/Gold 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 
3. 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.
4. 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.
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 % Profit Payment Plan for 24 months (maximum) at low rates of interest. Additionally, when shopping at partner retailers, the installments can be paid back at 0% interest charges.
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 date.
11. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every month 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. 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 death.  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% of the entire outstanding amount.  The  maximum  coverage offered is AED 200,000.
14. TouchPoints Reward Program: With this TouchPoints Credit Card, the cardholder can earn 0.75 TouchPoint for each AED spent. 

Travel Discounts Credit Card:

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

ADCB Traveller Credit Card

• Annual Membership Fee: AED 1,050
• Retail Interest per Month: 3.25%

Features & Benefits of ADCB Traveller 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 hotels.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 stay. 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 three times a month.
5. Complimentary Travel Insurance: The cardholder can avail complimentary travel insurance offered by this ADCB credit card.
6. Starwood Resorts & Hotels: This ADCB credit card benefits include offers on Starwood Resorts and Hotels. The cardholder can make a booking of 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 date.
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 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. The repayment of the amount can be done in easy installments of up to 24 months at low interest charges.
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 natural death.
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 0% Profit Payment Plan for 24 months (maximum) at nominal interest charges. Additionally, when shopping at the partner retailers, the installments can be paid back at 0% interest. 

LuluPoints Credit Cards:

Following are the LuluPoints Credit Cards offered by the ADCB: 

ADCB LuLu Platinum Credit Card

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

Features & Benefits of ADCB LuluPoint 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 & Africa.
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 date.
5. Minimum Due Amount: The card member can pay as little as 5% of their outstanding amount every month 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 order. 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 0% Profit Payment Plan for 24 months (maximum) at low rates of interest. Additionally, when shopping at the partner retailers payments can be made at a 0% rate 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 spent. LuLu Points can be redeemed for as low as 5,000 points with both primary and supplementary cards by simply presenting the LuLu credit card at the LuLu Hypermarkets’ checkout counters.

ADCB LuLu Titanium Credit Card

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

Features & Benefits of ADCB  Lulu Titanium 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 Jordon.
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 & Africa.
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 date.
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 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. 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 0% Profit Payment Plan for 24 months (maximum) at low rates of interest. Additionally, when shopping at partner retailers these installments can be repaid at a 0% rate 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 3.5 LuLu points for each AED spent at a LuLu store. For other purchases, they can earn 1 LuLu point for each AED spent. LuLu Points can be redeemed for as low as 5,000 points with both primary and supplementary cards by simply presenting the LuLu credit card at the LuLu Hypermarkets’ checkout counters. 

SimplyLife Credit Cards:

Following are the SimplyLife Credit Cards offered by the ADCB:

ADCB SimplyLife Cash Back 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 ADCB SimplyLife Family 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 1,500 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 1,500 and the earned cash back will be credited automatically.
5. 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.
6. 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 6, 9, 12, 18, or 24 months.
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 order. The repayment of the amount can be done in easy installments of 6, 9, 12, 18, or 24 months. 

ADCB Credit Card Offers

UAE Nationals Credit Card:

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

ADCB Betaqti Credit Card

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

• Annual Membership Fee: AED 2,100
• Retail Interest per Month: 2.50%

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. Additionally, a 20% discount is offered on select meals.
   • Free access to all Gold’s 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.
2. 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 Avis
   • Comprehensive travel insurance cover
   • Premium hotel perks and privileges
3. MasterCard World Elite Benefits: The Betaqti cardholder can enjoy exclusive MasterCard World Elite Benefits with their ADCB card.
4. 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.
5. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple 0% Profit Payment Plan at low rates of interest for 24 months (maximum). Additionally, when shopping at the partners, installment payments can be made at a 0% interest rate.
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. 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

• 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 long lines.
2. Pay Order: With this ADCB credit card, cardholders can get cash against their available credit limit with a pay order. 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 ATMs.
4. Minimum Due Amount: The cardholder can pay as little as 5% of their outstanding amount every month 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 0.5 TouchPoints for each AED spent.

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 long lines.
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 ATMs.
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% of the entire outstanding amount.
4. Minimum Due Amount: The cardholder can pay as little as 5% of their outstanding amount every month 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 order. 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

• 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 long lines.
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 days. 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 order. 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 ATMs. 
5. 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 death. 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 % of the entire outstanding amount.
6. Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for up to 24 months on various products purchased using this credit card.
7. Global Assistance: The member of the ADCB Islamic Platinum Credit Card gets access to a host of privileges and benefits all over the world.
8. Complimentary Airport Lounge Access: With this card, the cardholder can enjoy complimentary access to some premium airport lounges all over the world.
9. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every month They can carry forward the outstanding balance to the billing cycle of next month.
10. TouchPoints Reward Program: With the ADCB Credit Card, the cardholder can earn 1 TouchPoint for each AED 

ADCB Islamic TouchPoints Infinite Credit Card

• Annual Membership Fee: AED 1,050 (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 1,200 that can be redeemed at Hotels.com anywhere across the world.
   • Free Platinum Membership at U by Emaar
   • BOGO offers at Caribou coffee
   • 20% discount on Talabat orders
   • 15% discount on noon.com
   • 50% 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 
2. 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.
3. Visa Benefits: This Visa card lets you enjoy various attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
4. 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.
5. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every month. month. They can carry forward the outstanding balance to the billing cycle of next month.
6. Pay Order: With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay order. 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.
7. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero % Profit Payment Plan for 24 months (maximum).
8. 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).
9. 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 death. 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% of the entire outstanding amount.  The maximum  coverage offered is AED 200,000.
10. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third parties.
11. 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 days.
12. TouchPoints Reward Program: With this TouchPoints Credit Card, the cardholder can earn 1.5 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

• Annual Membership Fee: AED 630 (Free for the 1^st 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. 
2. Lifestyle Benefits: This credit card offers various lifestyle benefits including: 
   • 20% discount on Talabat orders
   • Exclusive offers and privileges at Yas Island Adventure Parks
   • Free golf access
   • Various 2 for 1 offers through MENA app 
3. 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
4. Visa Benefits: This credit card lets you enjoy various Visa Platinum privileges and benefits.
5. 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 death. 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% of the entire outstanding amount. The maximum coverage offered is AED 100,000.
6. 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.
7. 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.
8. Minimum Due Amount:The card member can pay as little as 5% of the  outstanding amount every month. month. They can carry forward the outstanding balance to the billing cycle of next month.
9. Pay Order:With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay order. 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.
10. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero % Profit Payment Plan for 24 months (maximum).
11. 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).
12. 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

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

Features & Benefits of this ADCB Credit Card: 

1. 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 death. 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% of the entire outstanding amount.  The maximum  coverage offered is AED 75,000.
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. Minimum Due Amount:The card member can pay as little as 5% of the  outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.
4. Pay Order: With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay order. 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.
5. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero % Profit Payment Plan for 24 months (maximum).
6. 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).
7. TouchPoints Reward Program: With this TouchPoints Credit Card, the cardholder can earn 0.75 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

• 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 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 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
6. 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
7. 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.
8. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.
9. Pay Order: With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay order. 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.
10. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero % Profit Payment Plan for 24 months (maximum).
11. 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).
12. 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 death. 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% of the entire outstanding amount.  The maximum coverage offered is AED 200,000.
13. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third parties.
14. 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.
15. 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 Card

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

Features & Benefits of  ADCB Islamic Etihad Guest Signature Credit Card:

1. Signup Bonus: As a sign-up bonus, the ADCB Islamic Etihad Guest Signature Credit Card offers 35,000 Etihad Guest Miles.
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
   • Benefits of Visa Luxury hotel collection
   • Multi-trip travel insurance
6. 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
7. 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.
8. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.
9. Pay Order: With this ADCB credit card, the cardholder can also get  cash against their available credit  limit with a pay order. 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.
10. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero % Profit Payment Plan for 24 months (maximum).
11. 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).
12. 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 death. 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% of the entire outstanding amount. The maximum coverage offered is AED 100,000.
13. Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third parties.
14. 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 days. It covers the loss or theft of goods as well as accidental damage.
15. 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 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 Miles.
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. 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
5. 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.
6. 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.
7. Minimum Due Amount: The card member can pay as little as 5% of the outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.
8. Pay Order: With this ADCB credit card, the cardholder can also get cash against their available credit  limit with a pay order. 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.
9. Easy Installments: This ADCB Credit Card allows the user to split their transactions in simple zero % Profit Payment Plan for 24 months (maximum).
10. 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).
11. 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 death. 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% of the entire outstanding amount. The maximum coverage offered is AED 100,000.
12. 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 days. It covers the loss or theft of goods as well as accidental damage.
13. 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 Accor Cards

ADCB Accor Signature Credit Card

Minimum Salary (AED): 20,000

Annual Fee (AED): 1,050

• Welcome Bonus 
• Airport Lounge Access
• Dining Discounts 
• Hotel Discounts 
• Spa
• Introductory offer: Earn an additional 10,000 Reward points.

ADCB Accor Infinite Credit Card

Minimum Salary (AED): 40,000

Annual Fee (AED): 1,575

• Welcome Bonus 
• Airport Lounge Access
• Dining Discounts 
• Hotel Discounts 
• Spa
• Introductory offer: Earn an additional 20,000 reward points.

Features & Benefits of the ADCB Credit Card in UAE, Dubai

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 Login

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 SimplyLife Family Credit Card	3.25	Nil
ADCB SimplyLife Family Credit Card Premium	3.25	525.95

(Updated as on March, 2020) 

Eligibility Criteria of ADCB Credit Card in UAE, Dubai

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 years.
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 in UAE?

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:           

All ADCB Credit  Cards to Apply for
ADCB Etihad Guest Infinite Credit Card	ADCB Touchpoints Infinite Credit Card
ADCB Etihad Guest Signature Credit Card	ADCB Touchpoints Platinum Credit Card
ADCB Etihad Guest Platinum Credit Card	ADCB Touchpoints Titanium/Gold Credit Card
ADCB Traveller Credit Card	ADCB SimplyLife Credit Cards
ADCB LuLu Platinum Credit Card	ADCB LuLu Titanium Credit Card
ADCB Betaqti Credit Card	ADCB Islamic TouchPoints Infinite Credit Card
ADCB Islamic Classic Credit Card	ADCB Islamic TouchPoints Platinum Credit Card
ADCB Islamic Gold Credit Card	ADCB Islamic TouchPoints Gold Credit Card
ADCB Islamic Platinum Credit Card	ADCB Islamic Etihad Guest Infinite Credit Card
ADCB Islamic Etihad Guest Platinum Credit Card	ADCB Islamic Etihad Guest Signature Credit Card

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 in UAE

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 in UAE

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. Latepayment 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. 

Latest ADCB Credit Card Offers

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 canceling the ADCB credit card, the 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 in UAE?

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, the 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

The 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 Card Customer Care

Latest News about ABCD

ADCB & Visa Transform Merchant Smartphones into Payment Terminals

ADCB or Abu Dhabi Commercial Bank, in partnership with Visa, the leader in digital payments across the globe, introduced the first virtual POS (Point of Sale) payment terminal in the UAE. With ADCB PACE PAY, the card payments can be facilitated via the smartphone of the merchant. This empowers the cash-driven SMEs in the Emirates to continue their business without harming the social distancing norms.

ADCB PACE PAY is developed by Paysky Inc, a payment service provider. This payment terminal is the only POS, which is available on both IOS and Android platforms. The mobile application is compatible with all tablets and smartphones, hence, the users do not have to buy any physical device. Other than scanning a debit or credit card in-store, the app lets the users can generate payment links to make remote payments for home deliveries. These payment links can be shared through digital social channels such as email, SMS, Facebook Messenger, and WhatsApp.

The solution gets pre-integrated in a payment gateway, making it simpler for small merchants to move to eCommerce without going through expensive and long integration procedures. All they need to do is log in to begin using ADCB PACE PAY. Greater coverage for home delivery is available due to the option of multiple users on one account. The business owners are encouraged by the interactive transactions’ dashboard to develop data-based strategies to make their business grow.

“ADCB is delighted to partner with Visa to launch ADCB Pace Pay, an innovative app specially designed to equip small businesses across the UAE with digital payment infrastructure at zero cost per transaction. The current need for social distancing and minimum contact has accelerated the UAE’s journey to a cashless economy. However, the micro and SME community has faced several challenges as 50% of all payments in the UAE are still in cash. Committed to serving the needs of SMEs in the UAE, our virtual POS solution not only helps to include the small business community in the country’s digital transformation but also provides them with business intelligence through the interactive dashboard.”, says Arup Mukhopadhyay, the Consumer Banking Head at ADCB.

Shahebaz Khan, General Manager at Visa in the UAE added, “As businesses large and small continue to endure the financial impact of COVID-19, one thing is clear – the payment experience needs a reboot because consumers are increasingly demanding a digital-first experience. Our recent global Back to Business study showed that because of the pandemic, 9 out of 10 consumers in the UAE have changed how they pay – they want to reduce their cash usage and will opt for online and contactless payments if available. The launch of ADCB Pace Pay could not have come at a better time as we need to provide businesses with practical solutions that can help them address their customers’ preferences. ADCB Pace Pay is an extremely cost-efficient, convenient, and safe way for merchants to immediately enable their existing Android or IOS phone to start accepting card payments and we’re very proud to work with a forward-thinking partner like ADCB to launch this truly innovative solution. “

The self-help section in the solution is already loaded with useful interactive videos to help training the merchants on how to use this virtual POS. It also included an exhaustive FAQ’s list for raising service tickets and troubleshooting within the payment app. It is very easy to use for the business owners; they just have to pay a fixed subscription fee every month for getting the ADCB PACE PAY. The funds will get settled into their bank accounts directly.

ADCB Credit Cards - FAQs