ADCB Credit Cards

Introduction to 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 customized credit cards to fulfil 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 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:

Types of ADCB Credit Cards
ADCB Traveller Credit Card ADCB Touchpoints Mychoice Infinite Credit Card
ADCB LuLu Co Brand Platinum Credit Card ADCB Etihad Guest Above Platinum Credit Card
ADCB Touch Points Platinum Credit Card ADCB Etihad Guest Above Infinite Credit Card

ADCB Islamic Classic Card

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

Main Benefits of the Card:

  1. Utility Bill Payments:The cardholder can pay their utility bills using personal Internet banking account, Mobile Banking app, at any of the ADCB branch or ATM with cash deposit facility without waiting in a long queue.
  2. Pay Order:With this ADCB credit card, the cardholder can 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.
  3. Fast Pay:The cardholder can pay their credit card bill at any one of the 50+ ADCB branches, at AI Ansari Exchanges, at UAE Exchange Centre Branches, at selected ATMs from the network of various ATMs, and EPPCO/ENOC.
  4. Convenient Payment Options: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. TouchPoints Reward Program:With this ADCB Card, the cardholder can earn 0.5 TouchPoint for each dirham spent.

ADCB Islamic Gold Card

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

Main Benefits of the Card:

  • Utility Bill Payments:The card member can pay their utility bills using personal Internet banking account, Mobile Banking app, at any of the ADCB branch or ATM with cash deposit facility without waiting in a long queue.
  • Fast Pay:The cardholder can pay their credit card bills at any one of the 50+ ADCB branches, at AI Ansari Exchanges, at UAE Exchange Centre Branches, at selected ATMs from the network of various ATMs, EPPCO/ENOC.
  • 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 family. 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.
  • Convenient Payment Options: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.
  • 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.
  • TouchPoints Reward Program:With this ADCB Islamic Gold Card, the cardholder can earn 0.75 TouchPoint for each dirham spent.

ADCB Islamic Platinum Card

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

Main Benefits of the Card:

  • Utility Bill Payments:The cardholder can pay their utility bills using their personal Internet banking or through their phone 24 hours a day without waiting in a long queue.
  • Purchase Protection:The cardholder can avail purchase protection on the products purchased using the ADCB Islamic Platinum Card valid from the purchase date up to 90 days. It covers the loss or theft of goods as well as accidental damage.
  • 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.
  • Fast Pay:The cardholder can pay their credit card bills at any one of the 50+ ADCB branches, at AI Ansari Exchanges, at UAE Exchange Centre Branches, at selected ATMs from the network of various ATMs, and EPPCO/ENOC.
  • Islamic 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 0.9345 percent of the entire outstanding amount.
  • 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.
  • Global Assistance:The member of the ADCB Islamic Platinum Credit Card gets access to a host of privileges and benefits all over the world.
  • Complimentary Airport Lounge Access:With this card, the cardholder can enjoy complimentary access to some premium airport lounges across the cities they love to travel.
  • Convenient Payment Options: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.
  • TouchPoints Reward Program:With the ADCB Credit Card, the cardholder can earn 1 TouchPoint for each dirham spent.

ADCB TouchPoints Infinite Card With MyChoice

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

Main Benefits of the Card:

  • Choose How to Earn the Rewards:With this ADCB Credit Card, the cardholder gets to choose the reward as per their preference. They can enjoy the freedom of choosing how they want to earn and spend TouchPoints.

The credit cardholder can either choose one category or choose all of them:

Reward Categories Choice Bonus TouchPoints on Category-wise Purchase Maximum TouchPoints rewards/month per category enrolled
Supermarket 5 points per 1 AED 20,000
Telecom bill payments 5 points per 1 AED 20,000
Fuel 7 points per 1 AED 20,000
Utility bill payments 15 points per 1 AED 20,000
Duty-Free (national & international) 15 points per 1 AED 20,000


**In order to enjoy the ‘My Choice’ bonus rewards, the cardholder is required to make a total purchase of AED 2500 per month for each of the above-mentioned categories.

  • Complimentary Airport Lounge Access:This ADCB credit card lounge access card allows the cardholder plus one guest to enjoy unlimited free access to premium airport lounges across many cities they love to travel.
  • Complimentary Golf:ADCB TouchPoints Infinite card member has the luxury of playing complimentary golf throughout the year at:
    • The Track Meydan Golf Dubai
    • Yas Links Golf Club Abu Dhabi
    • Arabian Ranches Golf Club Dubai
    • AI Ain Equestrian Shooting & Golf Club
  • Extra Privileges:This credit card provides exclusive benefits and privileges at Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi.
  • Dining Discount:With this ADCB card, the cardholder can enjoy 25% off at some of the finest restaurants and eateries across the country.
  • Global Concierge Service:The member of this ADCB credit card can enjoy free concierge services.
  • Credit Shield: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. The maximum coverage offered is 200,000 dirhams.
  • Simple Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  • Pay Order: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.
  • Convenient Payment Options: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.
  • 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).
  • TouchPoints Reward Program:With the ADCB Credit Card, the cardholder can earn 1.5 TouchPoints for each dirham spent.

ADCB Touchpoints Credit Card with MyChoice

The card provides the flexibility to earn rewards so that the cardholder can earn while they spend. The applicant can choose from the available variants- Platinum & Rewards cards.

  • Annual Membership Fee: AED 630
  • Retail Interest per Month: 3.25%

Main Benefits of the Card:

  • Choose How to Earn the Rewards:With this ADCB Credit Card, the cardholder gets to choose the reward that fits their lifestyle. They can enjoy the freedom of choosing how they want to earn and spend TouchPoints rewards.

The credit cardholder can either choose one category or choose all of them:

Reward Categories Choice Bonus TouchPoints on Category-wise Purchase Maximum TouchPoints rewards/month per category enrolled
Supermarket 5 points per 1 AED 10,000 (Rewards) & 20,000 (Platinum)
Telecom bill payments 5 points per 1 AED 10,000 (Rewards) & 20,000 (Platinum)
Fuel 7 points per 1 AED 10,000 (Rewards) & 20,000 (Platinum)
Utility bill payments 15 points per 1 AED 10,000 (Rewards) & 20,000 (Platinum)
Duty-Free 15 points per 1 AED 10,000 (Rewards) & 20,000 (Platinum)


**In order to enjoy the ‘My Choice’ bonus rewards, the cardholder is required to make a total purchase of AED 2500 per month for each of the above-mentioned categories.

  • Complimentary Airport Lounge Access:The platinum cardholder can enjoy complimentary access to some premium airport lounges across many cities three times a year.
  • Complimentary Golf Access:The member of the Platinum Card can enjoy the privilege of playing complimentary unlimited golf throughout the year at AI Ain Equestrian Shooting & Golf Club, Arabian Ranches Golf Club Dubai, Yas Links Golf Club Abu Dhabi, & The Track, Meydan Golf Dubai. This is free of cost service offered by ADCB TouchPoint Platinum Credit Card with MyChoice.
  • Extra Privileges at Amusement Parks:At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, the ADCB credit card benefits with up to 15% discount on entry tickets and passes purchased at the park ticket counters, 10% discount on food & beverages, and 15% discount on Merchandise.
    Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.
  • Dining Discount:With this ADCB credit card, the cardholder can enjoy 25% off at some of the finest restaurants and eateries across the country.
  • Credit Shield:At a nominal monthly fee, the card offers an optional insurance plan which provides insurance coverage for card outstanding for up to the limit of AED 100,000 (Platinum) and AED 75,000 (Rewards) against any unforeseen event such as critical illness, permanent total disablement, or death.
  • Pay Order: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.
  • Convenient Payment Options: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.
  • TouchPoints Reward Program:With the ADCB Credit Card, the cardholder can earn 1 TouchPoint for each AED spent. Moreover, they also receive 60,000 TouchPoints as sign-up bonus within 60 days of the payment of the annual fee.
  • Transfer Balance:The cardholder can easily transfer their outstanding balance from other bank’s credit card to this ADCB credit card and save on interest rates. 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).
  • Installment Plan:This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).

ADCB Traveller Credit Card

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

Main Benefits of the Card:

  • 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.
  • 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.
  • Complimentary Airport Lounge Access:The member of this ADCB airport lounge access credit card can enjoy unlimited free access to premium airport lounges across various cities.
  • TouchPoints Reward Program:With the ADCB Credit Card, the cardholder can earn 2 TouchPoints for every AED spent.
  • 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.
  • 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 Dubai.
  • Discount on Careem Rides:The card member can get 20% off on Careem Rides two times a month.
  • Complimentary Travel Insurance:The cardholder can avail complimentary travel insurance offered by this ADCB credit card.
  • Convenient Payment Options: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.
  • 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 death.
  • 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.
  • Buy 1 Get 1 Offer:This traveller credit card offers hundreds of Buy 1 Get 1 offers on fine dining, premium spas and much more across the Middle East & Africa.
  • Starwood Resorts & Hotels:This ADCB credit card benefits include offers on Starwood Resorts & Hotels. The cardholder can make a booking if 2 nights & get the 3rd night complimentary.
  • No Foreign Currency Charges:ADCB does not charge any processing fee on using this travel card internationally.
  • 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).
  • Installment Plan:This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  • 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 Lulu Titanium Card

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

Main Benefits of the Card:

  • Complimentary Lounge Access:The cardholder can enjoy complimentary airport lounge access at premium airport lounges across various cities with this ADCB lounge access credit card. In addition to this, they can get unlimited lounge access at around10 airport lounges across the Middle East which includes UAE, Egypt, KSA, Kuwait, and Jordan.
  • 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.
  • Credit Shield:At a nominal monthly fee, this ADCB Titanium Credit Card offers an optional insurance plan 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.
  • 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.
  • Convenient Payment Options: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.
  • Buy 1 Get 1 Offer:This ADCB credit card offers UAE include hundreds of Buy 1 Get 1 Offer on fine dining, premium spas and much more across the Middle East & Africa.
  • Installment plans:This ADCB 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.
  • 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. Every 5,000 LuLu Points can be converted into a voucher worth 50 dirhams.
  • 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).
  • 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 Lulu Platinum Card

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

Main Benefits of the Card:

  • Complimentary Lounge Access:The cardholder can enjoy unlimited complimentary airport lounge access at over 25 local and international airport lounges across Jordan, UAE, Kuwait, Saudi Arabia, Egypt, Morocco, UK, USA, Canada, France, Germany, and Singapore etc.
  • 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.
  • 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.
  • 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.
  • Convenient Payment Options: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.
  • Buy 1 Get 1 Offer:This ADCB credit card offers UAE include hundreds of Buy 1 Get 1 offer on fine dining, premium spas and much more across the Middle East & Africa.
  • 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.
  • 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. Every 5,000 LuLu Points can be converted into a voucher worth 50 dirhams.
  • 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).
  • 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 Lulu Standard Credit Card

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

Main Benefits of the Card:

  • LuLu Points:The cardholder can earn 1.5 LuLu points for each AED spent at a LuLu store and 0.5 LuLu points for each AED spent anywhere else. These LuLu points can easily be redeemed for vouchers which can be utilized for purchases at any LuLu store in the UAE. Every 5,000 LuLu Points can be converted into a voucher worth 50 dirhams.
  • 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.
  • Credit Card Loan:With this credit card, the cardholder can get cash loan against their available credit limit at low-interest rates. The repayment of the amount can be done in easy installments of up to 24 months.
  • 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.
  • Credit Shield:At a nominal monthly fee, the credit cardholder can opt for the credit shield that offers them protection for the outstanding balance up to 200,000 dirhams in case of any unforeseen events such as critical illness, permanent total disablement, natural death, and involuntary loss of employment.
  • Convenient Payment Options: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.
  • 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).
  • 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 Above Infinite Card

  • Annual Membership Fee: AED 2625
  • Retail Interest per Month: 3.25%

Main Benefits of the Card:

  • Signup Bonus:As a sign-up bonus, the ADCB Etihad Guest Above Infinite Card offers 50,000 Etihad Guest Miles.
  • Anniversary Bonus Miles:This card offers 25,000 Etihad Guest Miles on the anniversary of the card, that is, one year of issuing the card.
  • Etihad Guest Miles:The cardholder can earn 1.5 Etihad Guest Miles for local purchases. Additionally, they earn 3 miles when the card is used for purchases with Etihad Airways. They also earn 2.25 miles on shopping at Duty-Free stores and on lodging expenses. In addition to this, they can earn 0.75 miles while spending on education, government, supermarket, or utilities.
  • Tier Miles:The cardholder can earn Tier Miles on making purchasing through this credit card. They earn 1 Etihad Guest Tier mile for each USD of eligible purchase, local as well as international.
  • Purchase Protection & Extended Warranty:Using ADCB Etihad Guest Above Infinite Card anywhere in the world, the cardholder can enjoy complimentary purchase protection for up to 365 days. In addition to this, they can enjoy an extension of manufacturer’s or retailer’s warranty on specific items.
  • Multi-Trip Travel Insurance:This credit card offers comprehensive multi-trip travel insurance, which protects the cardholder and their family member for a domestic and international trip.
  • Medical & Legal Referral Services:This card offers an optimum Medical & legal referral assistance to the card member as well as their family member when travelling outside the country for up to 90 days.
  • Credit Shield:At a nominal monthly fee, the cardholder can avail an optional insurance plan which covers the outstanding balance on 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.
  • Utility Bill Payments:The card member can pay their utility bills (AADC, DEWA, Etisalat, ADDC, and SEWA) through ADCB personal Internet banking or through mobile banking 24 hours a day without waiting in a long queue.
  • Transfer Balance:The card member can easily transfer their outstanding balance from other bank’s credit card to their ADCB credit card at low-interest rates.
  • 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 instalments of 6, 9, 12, 18 or 24 months.
  • 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.
  • 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 Above Platinum Card

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

Main Benefits of the Card:

  • Signup Bonus:As a sign-up bonus, this ADCB credit card offers 25,000 Etihad Guest
  • Anniversary Bonus Miles:This card offers 10,000 Etihad Guest Miles as an anniversary bonus.
  • Etihad Guest Miles:The cardholder can earn 1 Etihad Guest Miles for local purchases and 2 for international purchases. Additionally, they earn 2 miles when the card is used for purchases with Etihad Airways. They also earn 1.5 miles on shopping at Duty-Free stores and on lodging expenses. In addition to this, they can earn 0.75 miles while spending on education, government, supermarket, or utilities.
  • Tier Miles:The cardholder can earn Tier Miles on making purchases through this credit card, that is, 1 Etihad Guest Tier mile with every USD of eligible purchase, locally as well as internationally.
  • Complimentary Lounge Access:Thrice a year, the cardholder can avail complimentary access to premium airport lounges across the many cities by using this ADCB airport lounge credit card.
  • Complimentary Golf Access:With this card, the cardholder can get free access to The Track Meydan Golf Dubai, Yas Links Golf Club Abu Dhabi, and Arabian Ranches Golf Club Dubai.
  • Complimentary Airport Chauffeur Service:The card member can avail two one-way complimentary airport rides in a year.
  • Silver Tier Membership with Etihad Guest: This platinum card allows the cardholder to enjoy a silver tier membership with Etihad Guest by fulfilling certain criterion.
  • Complimentary Voucher Upgrade:As a Silver Tier member, the card member can enjoy a voucher upgrade that offers a discount of 50% on the redemption of Guest miles for upgrading the class on the Etihad airlines.
  • Dining Discount:They also get a discount of 25 percent at the leading eateries and restaurants in the UAE.
  • Extra Privileges at Amusement Parks:At Ferrari World Abu Dhabi and Yas Waterworld Abu Dhabi, the cardholder can avail up to 15% discount on entry tickets and annual passes, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth for priority access to ticket counters and rides.
    Note- 0% interest payment plan is available for all purchases above AED 500 made at these two amusement parks.
  • Purchase Protection & Extended Warranty:Using this ADCB Credit Card anywhere in the world, the cardholder can enjoy complimentary purchase protection for up to 365 days. In addition to this, they can also enjoy an extension of manufacturer’s or retailer’s warranty on specific items.
  • Family Protector Plus:For as little as 50 Fils per day, this card offers an optional life insurance plan that covers accidental death, natural death, disability, and in-patient medical expenditure.
  • Medical & Legal Referral Services:This card offers an optimum Medical & legal referral assistance to card owner as well as their family member when travelling outside the country for up to 90 days.
  • Credit Shield:At a nominal monthly fee, it 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.
  • Utility Bill Payments:The card member can pay their utility bills (AADC, DEWA, Etisalat, ADDC, and SEWA) through ADCB personal Internet banking or through mobile banking 24 hours a day without waiting in a long queue.
  • Transfer Balance:The card member can easily transfer their outstanding balance from other bank’s credit card to this ADCB credit card at low-interest rates.
  • 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 instalments of 6, 9, 12, 18 or 24 months.
  • 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.
  • 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 Above Gold Card

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

Main Benefits of the Card:

  • Etihad Guest Miles: With ADCB Etihad Guest Above Gold Card, the card member can earn 0.75 Etihad Guest Miles for every purchase made.
  • Extra Privileges at amusement parks: At Ferrari World Abu Dhabi and Yas Waterworld Abu Dhabi, member of Etihad Guest Above Gold Card can get up to 15% discount on entry tickets and annual passes, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth 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.
  • Credit Shield: Etihad Guest Above Gold Card offers protection from the unforeseen event of critical illness, permanent total disablement, natural death, and involuntary loss of employment. In order to get this benefit, the cardholder has to enroll in the Credit Shield program by paying a nominal monthly fee. It insures the cardholder against the risk of death due to any cause for up to 200,000 dirhams.
  • Family Protector Plus: For as little as 50 Fils per day, the optional life insurance plans provides coverage for accidental death, natural death, disability, and in-patient medical expenses.
  • Utility Bill Payments: The card member can pay their utility bills (AADC, DEWA, Etisalat, ADDC, and SEWA) through ADCB personal Internet banking or through mobile banking 24 hours a day without waiting in a long queue.
  • Transfer Balance: The card member can easily transfer their outstanding balance from other bank’s credit card to Etihad Guest Above Gold Card at low-interest rates.
  • Credit Card Loan: With Etihad Guest Above Gold Card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of 6, 9, 12, 18 or 24 months.
  • 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.
  • 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 Business Platinum Credit Card

  • Annual Membership Fee: AED 208.95
  • Retail Interest per Month: 3.25%

Main Benefits of the Card:

  • Cashback Rewards:Using this ADCB Cash Back Credit Card, the member gets 1% cashback on all purchases made anytime and anywhere in the world.
  • Complimentary Lounge Access:This ADCB airport lounge access credit card offers complimentary access to premium airport lounges across many cities for primary as well as supplementary cardholder thrice a year.
  • Business Recognition:This business card bears the name of the company that boosts its reputation.
  • Business Savers:On paying with this business card for daily expenses including stationary, travel, furniture, printing, and more, the cardholder can make business savings.
  • Dining Discount:With this ADCB credit card, the member can get up to 25% off at some of the finest restaurants and eateries across the country.
  • Insurance Coverage:This Business Platinum credit card provides 2 types of insurance coverage:
    • Corporate Liability Waiver Insurance–It safeguards the card member and their company against unauthorized use of the ADCB Business Platinum credit card by the employees.
    • Fraud Insurance–It safeguards the card member and their company against fraudulent account activities for unauthorized charges on their lost or stolen card.
  • Credit Shield:At a nominal monthly fee, the cardholder can opt for 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, natural death, permanent total disablement, or involuntary loss of employment.
  • Convenient Payment Options: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.
  • Transfer Balance:The card member can easily transfer their outstanding balance from other bank’s credit card to their ADCB credit card and save on interest within 90 days of registration of the card. They can repay the amount within 24 months.
  • Credit Card Loan:With this ADCB Cash Back Credit Card, the cardholder can also get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of 6, 9, 12, 18 or 24 months.
  • Installment plans:The card member can avail 0% instalment payment plans at low rate of interest for 24 months (maximum) for specific merchants.
  • Buy 1 Get 1 Offers:The business platinum credit card member can avail hundreds of Buy One Get One offer at spas, restaurants and more across the Middle East & Africa.

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%

Main Benefits of the Card:

  • 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 AED250, 000
  • Cinema Offers:The cardholder can get Buy One Get One Free” movie ticket offer at VOX Cinemas.
  • Complimentary Fitness Center Access:The cardholder can get free access to the fitness centre at Grand Hyatt Abu Dhabi Hotel & Residents Emirates Pearl. Moreover, this ADCB credit card offers free valet parking, 25% discount on spa treatments, 20% off on spa retail products, and 25% off on food & beverages.
  • Extra Privileges at Amusement Parks:At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, credit card member can get up to 15% discount on entry tickets and annual passes purchased at the park ticket counters, 10% discount on food & beverages, 15% discount on Merchandise, and complimentary quick passes for priority access to ticket counters and rides.
  • Discount on Careem Rides:The cardholder can get 20% off on Careem Rides three times a month. Also, they will get the first ride free.
  • Concierge Services:The luxury lifestyle experts with ADCB help the cardholder in customizing their travel plans, reserving the best table at elite restaurants, getting the tickets for sold-out shows, and many more.
  • Exclusive Offers & Discounts:This Betaqti credit card offers a wide range of benefits at The Coffee Club, Mandoos, Jumeirah at Etihad Towers, The ST. Regis Abu Dhabi etc.
  • Global Airport Lounge Access:This ADCB airport lounge access credit card offers unlimited access to more than 1000 local and international airport lounges. In addition to this, the card owner with an accompanying guest can avail exclusive Diamond lounge at the VIP terminal, and Abu Dhabi International Airport.
  • Hertz President’s Circle Status:The card member can get an upgrade to the Hertz Gold Plus Rewards President’s Circle and enjoy up to 15% off on all rentals, guaranteed complimentary upgrades etc.
  • Complimentary Hotel Stay:The cardholder will get an extra night free upon booking two or three nights at St. Regis Hotels & Resorts, Westin, W Hotels, and Sheraton. If they book four nights, they’ll get another two nights for the same price at these hotels.
  • Avis Rent a Car Benefits:The card member can avail up to 25% off on all rentals with Avis. They can avail a free upgrade and 10% discount on premium chauffeur services.
  • Travel Insurance:This ADCB credit card provides comprehensive travel cover to its cardholder that also includes medical & inconvenience cover. Additionally, it offers car rental collision coverage & loss damage waiver coverage.
  • Premium Hotel Benefits:It offers Discovery Black-level Membership from Global Hotel Alliance caters amazing benefits at more than 500 luxury resorts and hotels all over the world. The card member will enjoy room upgrades and guaranteed room availability. Also, it also offers the facility of early check-in and late check-out to its cardholder.

ADCB TouchPoints Infinite Credit Card

  • Annual Membership Fee: 1050 dirhams (525 dirhams for excellency members)
  • Retail Interest per Month: 3.25%

Main Benefits of the Card:

  • Movie Offers: The cardholder can enjoy BOGO offer at VOX cinemas.
  • 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 on 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  
  • Travel Benefits: The cardholder can avail free unlimited access to 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.
  • Visa Benefits: This Visa card lets you enjoy various attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
  • 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.
  • Convenient Payment Options: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.
  • 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.
  • Simple Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  • 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).
  • 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 percent of the entire outstanding amount. The maximum coverage offered is 200,000 dirhams.
  • Misuse Protection: The cardholder can keep their card protected against the fraudulent or unauthorized transactions or use of card by unwanted third parties.
  • 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.
  • Debit Instructions:The cardholder can setup automatic debit instructions for making payments through their current or savings account.
  • 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.
  • TouchPoints Reward Program:With this TouchPoints Credit Card, the cardholder can earn 1.5 TouchPoint for each dirham spent. They can receive 15,000 TouchPoints as bonus on spending 15,000 dirhams every month.

ADCB TouchPoints Platinum Credit Card

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

Main Benefits of the Card:

  • Movie Offers: The cardholder can enjoy BOGO offer at VOX cinemas.
  • 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 t hrough MENA app
  • Travel Benefits: The cardholder can avail free unlimited access to airport lounges around many cities across the globe. 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.
  • 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.
  • 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 percent of the entire outstanding amount. The maximum coverage offered is 200,000 dirhams.
  • 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.
  • 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.
  • Convenient Payment Options: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.
  • 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.
  • Simple Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  • 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).
  • Debit Instructions:The cardholder can setup automatic debit instructions for making payments through their current or savings account.
  • 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.
  • TouchPoints Reward Program:With this TouchPoints Credit Card, the cardholder can earn 1 TouchPoint for each dirham spent. They can receive 10,000 TouchPoints as bonus on spending 10,000 dirhams every month.

ADCB TouchPoints Titanium & Gold Credit Card

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

Main Benefits of the Card:

  • Movie Offers: The cardholder can enjoy BOGO offer at VOX cinemas.
  • 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
  • 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.
  • 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.
  • 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 percent of the entire outstanding amount. The maximum coverage offered is 200,000 dirhams.
  • 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.
  • Convenient Payment Options: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.
  • 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.
  • Simple Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan for 24 months (maximum).
  • Balance Transfer: This feature can be availed within 90 days of registration of this ADCB Titanium Credit Card along with the flexibility of making easy repayment through installments of 24 months (maximum).
  • Debit Instructions:The cardholder can setup automatic debit instructions for making payments through their current or savings account.
  • 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.
  • TouchPoints Reward Program:With this TouchPoints Credit Card, the cardholder can earn 0.5 TouchPoint for each dirham spent. They can receive 5,000 TouchPoints as bonus on spending 5,000 dirhams every month.

ADCB SimplyLife Cash Back Credit Card

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

Main Benefits of the Card:

  • Rewards: The cardholder can enjoy a cash back of one percent on all the purchases they make using this ADCB Cash Back Credit Card. To be eligible for this cash back, the cardholder has to make a purchase of 1,000 dirhams every month. They get a maximum cash back of 1,000 dirhams monthly.
  • Airport Lounge: This ADCB Simply Life credit card offers free access to premium airport lounges in Dubai and Abu Dhabi.
  • Movie Offers:The card member gets 2 complimentary movie tickets when they make purchases of 1,500 dirhams or more in a month. They also get a cash back of up to 70 dirhams simply by purchasing 2 tickets anywhere for any show within the UAE.
  • Dining Offers:This ADCB card also offers a discount of 25 percent at over 1000 restaurants in the UAE.
  • Simple Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan.
  • 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 rates.
  • Tap and Pay:This credit card is NFC enabled, making it a contactless card for simple, quick, as well as secured payments.
  • Credit Shield (Takaful): This ADCB Simply Life credit card benefits also include 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. The maximum coverage offered is 100,000 dirhams.
  • MasterCard Offers:All the MasterCard benefits are applicable to this Titanium variant. The benefits include:
    • BOGO offers on entertainment and leisure throughout Africa and Middle East.
    • Complimentary 1stride and 20 percent discount on three rides monthly with Careem.
    • ADCB Titanium Credit Card Lounge Access to over 10 airport lounges in Levant and the Middle East.
    • Maximum 15 percent discount and free upgrade applicable globally with Avis Car Rentals.

ADCB SimplyLife Family Credit Card

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

Main Benefits of the Card:

  • Travel Offers: The cardholder can enjoy various discounts with Cleartrip including 5 percent off on flights, 10 percent off on hotels, and 15 percent off on local entertainment.
  • Movie Offers:The card member gets 2 complimentary movie tickets when they make purchases of 1,500 dirhams or more in a month. They also get a cash back of up to 210 dirhams simply by purchasing 2 tickets anywhere for any show within the UAE.
  • Dining Offers:This ADCB Simply Life Credit Card also offers a discount of 25 percent at over 1000 restaurants in the UAE.
  • Simple Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan.
  • 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 rates.
  • Tap and Pay:This credit card is NFC enabled, making it a contactless card for simple, quick, as well as secured payments.
  • Credit Shield (Takaful): This ADCB Simply Life credit card benefits also include 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. The maximum coverage offered is 100,000 dirhams.
  • Visa Offers:The card member can enjoy various Visa offers, which are applicable to the Platinum variant.

ADCB SimplyLife Family Credit Card Premium

  • Annual Membership Fee: 525.95 dirhams
  • Retail Interest per Month: 3.25%

Main Benefits of the Card:

  • Travel Offers: The cardholder can enjoy various discounts with Cleartrip including 5 percent off on flights, 10 percent off on hotels, and 15 percent off on local entertainment.
  • Movie Offers:The card member gets 6 complimentary movie tickets when they make purchases of 1,500 dirhams or more in a month. They also get a cash back of up to 70 dirhams simply by purchasing 2 tickets anywhere for any show within the UAE.
  • Dining Offers:This ADCB Simply Life Credit Card also offers a discount of 25 percent at over 1000 restaurants in the UAE.
  • Simple Installments: This ADCB Credit Card allows the user to split their transactions in simple zero percent Profit Payment Plan.
  • 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 rates.
  • Tap and Pay:This credit card is NFC enabled, making it a contactless card for simple, quick, as well as secured ADCB credit card payments.
  • Visa Offers:The card member can enjoy various Visa offers, which are applicable to the Platinum variant.
  • Complimentary Insurance:This credit card provides the card member with complimentary coverage including life insurance as well as cover for critical illness.

Features and Benefits of ADCB Credit Cards

ADCB credit cards are available in a wide variety of options. Each of these cards come with a specific credit limit. The ADCB Credit Card benefits redefine the lifestyle of card member while offering them a truly rewarding experience. Some of the major benefits and features offered by ADCB credit card are as follows:

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 card, 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 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.

Dining Discount

By using the ADCB credit card, the card member can enjoy discounts and privileges at some of the finest restaurants and eateries in the UAE.

Installment Plans

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

Card Name 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 TouchPoints Gold Card 3.25 Nil
ADCB TouchPoints Platinum Card 3.25 Nil
ADCB TouchPoints Infinite Card 3.25 1,050 (525 for excellency members)
ADCB TouchPoints Infinite Card With MyChoice  3.25 Nil
ADCB Touchpoints Credit Card with MyChoice 3.25 630
ADCB Traveller Credit Card 3.25 1,050
ADCB Lulu Titanium Credit Card 3.25 Nil
ADCB Lulu Platinum Credit Card 3.25 Nil
ADCB Lulu Standard Credit Card 3.25 Nil
ADCB Etihad Guest Above Infinite Credit Card 3.25 2,625
ADCB Etihad Guest Above Platinum Credit Card 3.25 1,050
ADCB Etihad Guest Above Gold Credit Card 3.25 Nil
ADCB Business Platinum Credit Card 3.25 208.95
ADCB Betaqti Credit Card  2.50 2,100
ADCB TouchPoints Titanium and Gold Credit Card 3.25 Nil
ADCB Simply Life 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 September, 2019)

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 years.
  2. Income: Each of the ADCB Credit Card comes with a minimum monthly income requirement. 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 process.
  4. Credit Score: No matter how good the monthly salary is, poor credit history may result in rejection of the credit card application. 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.

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.

Credit card experts recommend opting for a credit card on the basis of comparison. The applicant can compare various credit cards online.

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

The applicant can also apply for an ADCB credit card through the phone. All they’re required to do is call on the toll-free number on 600 56 2626.

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 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 241.50 (if the minimum payment due is not paid by the due date)
  3. Over Limit Fees: AED 288.75
  4. Card replacement fee: AED 78.75

The complete list of ADCB credit card charges can be found online.

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 activities.
  • 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

Q.1. Can I make utility bill payments using my ADCB credit card?

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

Q.2. How many TouchPoints Credit Card does ADCB offer?

Answer: ADCB card offers two TouchPoints Credit Cards- ADCB TouchPoints Infinite Credit Card with MyChoice and ADCB TouchPoints Credit Card with MyChoice which is available in 4 variants including Platinum, Titanium, Gold, and Infinite credit cards. Apart from this, there are TouchPoints cards available in the Islamic version of the bank too.

Q.3. How can I use TouchPoints?

Answer: 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.

Q.4. What are the benefits offered by LuLu Credit card?

Answer: 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.

Q.5. What are the variants available for the ADCB LuLu Credit card?

Answer: Currently, the ADCB LuLu Credit Card is available in the Titanium, Platinum, & Standard variants.

Q.6. Can a supplementary card member avail complimentary airport lounge benefits?

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

Q.7. Where I can use my ADCB credit card?

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

Q.8. How can I update my mobile number associated with the card?

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

Q.9. Can I transfer my TouchPoints to someone else’s account?

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

Q.10. What is an installment plan?

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. Many banks offer zero interest instalment plan, which charges no additional amount for the monthly instalments. However, you should confirm whether the selected merchant is eligible for the instalment plan before making a purchase.

Well, ADCB offers zero interest installment for its cardholder.