ADCB Free for Life Credit Cards

By Laxita Gautam
  | Published: 23 August 2021 | Last Updated On: 25 August 2021

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Serving more than 1 million satisfied customers, ADCB Group is one of the largest institutions in the UAE. The bank has a large network of 54 branches and 428 ATMs across the country. In terms of assets, the bank holds third place in the UAE with a total asset value of AED 416 billion. ADCB offers a number of banking products and services ranging from private and corporate bank accounts to investment banking and loans and credit card services. 

ADCB credit cards are one of the most popular products offered by the bank. To make the credit cards affordable, the bank also offers no annual charge credit cards with low salary requirements and lenient eligibility criteria. ADCB free for life credit cards also provides numerous benefits and rewards programs from time to time.

Best ADCB Free for Life Credit Cards in UAE

ADCB Lulu Platinum Credit Card

ADCB LuLu Platinum Credit Card
Free for Life
  • Minimum Salary AED 15,000
  • Annual Fee Free for Life
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
  • Special Discounts
Reward Value: AED 4,217

Features & Benefits of ADCB Lulu Platinum Credit Card

  • No annual charges 
  • Earn Lulu Points on each transaction
  • 10% discount on food and beverages in Yas Theme Parks
  • Balance transfer facility
  • Flexi Pay options
  • Installment payment plans

ADCB Lulu Titanium Credit Card

ADCB LuLu Titanium Credit Card
Airport Lounge Access
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Movie Discounts
  • Dining Discounts
Reward Value: AED 2,968

Features & Benefits of ADCB Lulu Titanium Credit Card

  • No annual charges
  • 10% discount on food and beverages in Yas Theme Park 
  • Balance transfer facility
  • 0% interest on school fee payments
  • Flexi Pay options
  • Installment payment plans

ADCB Touchpoint Gold Credit Card

ADCB Touchpoints Gold Credit Card
Free for Life
  • Minimum Salary NA
  • Annual Fee AED Free for Life
  • Free for Life
  • Movie Discounts
  • Dining Discounts
  • Golf Benefits
  • Balance Transfer
Reward Value: NA

Features & Benefits of ADCB Touchpoint Gold Credit Card

  • No annual charge on credit card
  • 25% off on dining bills and expenses across 1400 restaurants across UAE
  • 10% discount on food and beverages in Yas Theme Parks
  • 2 for 1 deal on food and entertainment with Mastercard. Buy 1 Get 1 offer on movie tickets via the mobile application
  • Auto debit instructions facility 
  • Interest-Free days
  • 0% interest on payment of school fees

ADCB Touchpoints Platinum Credit Card

ADCB Touchpoints Platinum Credit Card
Free for Life
  • Minimum Salary AED 15,000
  • Annual Fee AED 0
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Golf Benefits
Reward Value: AED 4,456

Features & Benefits of ADCB Touchpoint Platinum Credit Card

  • No annual fee for 1st year
  • Up to 25% discount on restaurant bills across 1400 restaurants in UAE. 
  • 10% discount on food and beverages at Yas Theme Parks
  • Balance transfer facility
  • Interest-Free days
  • Flexi Pay option
  • Auto debit instructions facility
  • 0% interest on school fee payments

Features of ADCB Free for Life Credit Card

With a number of affordable credit cards without an annual fee, ADCB offers unique features and benefits. The card is not only free for life but also accompanies numerous rewards and privileges. Following are the key features and benefits of ADCB no annual charge credit cards.

  • Zero Annual Fee - The primary feature of ADCB free for life credit cards is that they do not incur any annual membership charges. The customers can apply and use the cards right away without paying any charges.
  • Rewards and Cashback - ADCB no annual charge credit cards also offers a number of reward and cashback programs from time to time. Individuals can earn rewards and cashback on each and every transaction. 
  • Salary Requirement - Although the credit cards don’t include annual charges, the bank may require individuals to satisfy salary criteria in order to avail one. The salary criterion varies between AED 5000 to 15,000 depending on the credit card type. 
  • Exclusive Dining and Lifestyle Offers - ADCB credit cards include a number of exclusive lifestyle privileges, discounts on dining, entertainment, and other lifestyle expenses. 
  • Complimentary Airport Lounge Access -  Many ADCB no annual fee credit cards offer complimentary access to over 1000 airport lounges across the globe. The cardholder simply needs to show the credit card at the lounge reception.
  • Balance Transfer - Several ADCB no annual fee credit cards provide a balance transfer facility, using which the cardholder can transfer their debt from one card to another while getting extra time and lower rates to repay their debt.
  • Travel and Stay offers - The no annual charge credit cards like ADCB Lulu and Touchpoint credit cards offer numerous benefits and exclusive offers on hotel and flight bookings.

Benefits of ADCB Credit Card with No Annual Fee

Following are the key benefits of ADCB no annual charge credit cards. 

  • The credit cards do not include any annual charges and customers can avail these right away and start spending. 
  • Earn various rewards and cashback on different cards. Lulu Platinum card offers 1.25 Lulu Points for every 1 AED spend on the card. 
  • Avail exclusive dining offers and discounts of up to 30% at major restaurants across the UAE. 
  • Get complimentary access to premium airport lounges in UAE and all major international airports worldwide. 
  • Receive 1 Touchpoint per AED spent on all ADCB Touchpoint credit cards.

Best ADCB Free for Life Credit Cards 

ADCB offers numerous gold and titanium credit cards that come with no annual charges. Moreover, there are many other cards from ADCB that do not include any membership fee. Following is the list of best ADCB no annual charge credit cards with their salary requirements and benefits.

List of ADCB Free for Life Credit with Salary Requirement

ADCB Credit Card Type

Salary Requirement 

Lulu Platinum Card

  • Minimum salary requirement of AED 15,000

Lulu Titanium Credit Card

  • Minimum salary requirement of AED 5,000

Touchpoint Gold Credit Card

  • Minimum Salary Requirement of AED 5,000

Touchpoint Platinum Credit Card

  • Minimum salary requirement of AED 15,000

TouchPoint Titanium Credit Card

  • Minimum Salary Requirement of AED 5,000

Eligibility Criteria for ADCB No Annual Charge Credit Card

The eligibility criteria differ on the basis of card type. Given below are the basic eligibility criteria to apply for an ADCB free for life credit card. 

  • The applicant must be 21 or above to apply for the credit card
  • UAE residents and nationals require Emirates ID and address proof.
  • Expats require a passport and a valid visa with address proof. 
  • They must satisfy the minimum salary requirements. 

How to apply for the ADCB Free for Life Credit Card?

ADCB Bank offers a convenient and easy application process via both online and offline channels. Individuals can choose any one of them at their convenience. Given below are the ways to apply for the no annual fee credit card. 

  • Online Application – You need to to visit the ADCB official website and select the type of credit card. Subsequently, they need to enter their personal details and the bank representative will contact them for further process. 
  • Offline Application - Individuals can visit the local branch with all the prerequisite documents and fill the application form as per the instruction of the representative. To locate a nearby branch, the individual can visit the official portal.

Fees and Charges on ADCB Free for Life Credit Cards 

Although no annual charge credit cards do not include yearly membership fees, they incur certain transaction charges and fees. Following is the list of important fees and charges on ADCB free for life credit cards.

Finance Charges

3.5% per month on retail purchase

Up to 1.5% on balance transfer

Cash Advance Fee

3.25% or AED 105 whichever is higher

Card Replacement Fee

AED 78

Late Payment Fee

AED 241.5 (if the minimum amount is not paid within due date)

Foreclosure Fee (For Credit Card loan/ Balance Transfers/Instalment Plans)

AED 210

Other Banks That Offer the Free for Life Credit Card in UAE

Credit Cards with No Annual Fees
FAB Free for Life Credit Cards in UAE CBI Free for Life Credit Cards in UAE
DIB Free for Life Credit Card in UAE ADIB Free for Life Credit Cards in UAE
Citibank Free for Life Credit Cards in UAE American Express Free for Life Credit Cards in UAE
RAKBANK Free for Life Credit Cards in UAE Najm Free for Life Credit Cards in UAE

FAQ's on ADCB Free for Life Credit Card in UAE

Is there a minimum salary criterion to apply for a no annual charge credit card?

Yes, an individual needs to satisfy the minimum salary requirement in order to apply for a no annual charge credit card.

Are there rewards and offers on no annual charge credit cards?

Yes, ADCB offers numerous rewards and offers on no annual charge credit cards. The rewards and offers depend on the credit card type.

What are the other charges on the ADCB no annual fee credit cards?

The no annual charge credit cards include finance charges up to 3.5% per month and a cash advance fee of AED 105 or 3.25% (whichever is higher).

Laxita Gautam
Laxita Gautam137 Posts

Senior Content Writer | She functions on classic British fiction, Japanese manga, and strong americanos. Laxita is tailor-made to create engaging, interactive pieces that offer simplified insights into complex subjects.