ADCB Islamic Classic Credit Card

The ADCB Islamic Classic Credit Card is a prime example of the best Islamic credit card. Loaded with unparalleled features and benefits, this ADCB credit card meets the different spending habits of its customers. However, this monthly-based fee card is now no longer available to new credit card customers and only existing members can continue to enjoy all the benefits & privileges of this ADCB Islamic credit card.

Features & Benefits of the ADCB Islamic Classic Credit CardADCB Islamic Classic Credit Card

Given below are the eminent features & benefits of the ADCB Islamic Classic Credit Card:

  • Utility Bill Payments: ADCB entitles the ADCB Islamic Classic Credit Cardmembers to top up their accounts or pay their utility bill payments for an array of services such as Etisalat, ADDC, Salik & DU. Cardholders can easily pay their utility bills through the mobile app of ADCB at any time of the day or via the ADCB internet banking from the comfort of their home without having to wait in a long queue for hours.
  • Pay Order Facility: Now cardmembers can avail cash against their available credit card limit with a pay order facility. In order to avail cash, they just need to call on 600 56 2626 and the bank will proceed with the amount transfer procedure further. It is expected that the amount will be transferred to the cardholder’s bank account within 3 working days. And the repayment can easily be done via monthly installments of a maximum of 24 months.
  • Fast Pay: Cardholders can pay their credit card bills at any of the 50+ ADCB branches, at 38 selected ATMs from the network of more than 300 ATMs, AI Ansari Exchange, ENOC & EPPCO stations.
  • Credit Shield Takaful: It is an optional takaful program that covers the ADCB Islamic Classic Credit Card’s outstanding balance amount in several unforeseen situations such as critical illness, permanent or total disablement, natural death, and involuntary loss of employment. In order to avail the benefit of this program, cardholders simply need to enroll in this program by paying a nominal monthly charge of 0.9345%.
  • Minimum Due Amount: ADCB Islamic Classic cardholders can pay as low as 5% of their entire outstanding amount every month. And then, the remaining amount can be forwarded to the next month’s billing cycle.
  • Convenient Payment Options: Cardholders can pay their credit card’s outstanding balance through any of the given below payment channels:
    • ADCB Mobile Banking App
    • ADCB Internet Banking
    • ADCB branches
    • ATMs with the cash deposit facility
    • Auto-debit Instructions through ADCB Savings or Current Account

Alternatively, members of the ADCB Islamic Classic Credit Card can make their credit card outstanding amount balance at ENOC/EPPCO, AI Ansari Exchange, and LuLu Exchange branches by paying a nominal charge of AED 5 per payment transaction.

ADCB Islamic Classic Credit Card Rewards & Offers

Following offers and rewards can be availed by the ADCB Islamic Classic Credit Cardmembers:

  • Rewards Points: 0.5 Touchpoints can be earned for every AED 1 spent with the ADCB Islamic Classic Credit Card. The more ADCB Islamic services and products cardholders use, the more reward points they can get.
  • Supplementary Cards: As a member of the ADCB Islamic Classic Credit Card, one can avail the unlimited supplementary cards/add-on cards for the eligible family members on a complimentary basis.

Fees & Charges on ADCB Islamic Classic Credit Card

Following are the fees & charges associated with the ADCB Islamic Classic Credit Card:

Particulars Fee and Charges

Annual Membership Fee

AED 105

Cash Advance Charges

AED 105

Collection Charge

AED 241.50

Exchange House Payment Charge

AED 5.25 per transaction

Pay Order Processing Charge

AED 157.50

Card replacement fee

AED 78.75

Duplicate statement Charge

AED 26.25

Returned cheque charge

AED 157.50

Outstation Cheque Processing Fee

AED 21

Sale voucher copy

AED 26.25

International currency transaction

2.99% of the total amount of transaction

Credit shield Charges

0.9345% of the entire outstanding balance

Liability or No liability Letter Fees

AED 52.50

Limit of Cash Advance

AED 5000

Frequently Asked Questions

Q1: What kind of utility bill payments can I make using the ADCB Islamic Classic Credit Card?

Ans: As a member of this ADCB Islamic credit card, you can pay utility bill payments for a wide range of services such as Etisalat, ADDC, Salik & DU through the mobile app of ADCB 24 hours a day or ADCB internet banking without waiting in a long queue for hours.

Q2: How many reward points can I earn by using ADCB Islamic Classic Credit Card for purchases?

Ans: Members of this credit card are given a membership to the loyalty reward program that is known as touchpoints. You can earn 0.5 Touchpoints for every AED 1 spent using this card and then accumulated reward points can be redeemed for various exclusive privileges.

Q3: How to apply for the ADCB Islamic Classic Credit Card?

Ans: Interested people can apply for the ADCB Islamic Classic Credit Card in any of the ways:

  • Online: Just go through the official website of ADCB in order to apply for this card directly.
  • Offline: All those people who are not comfortable with the online procedure can also apply for this Islamic credit card offline by just visiting the nearest ADCB branch.
  • Phone banking: Moreover, ADCB gives the privilege to its customers to apply for this card through phone banking. All they just need to call on 600 56 2626 to apply for it.

Q4: Is the ADCB Islamic Classic Credit Card can be applied by new customers?

Ans: No, this ADCB Islamic credit card is no longer available to new customers and only existing cardholders can continue to enjoy all the benefits & privileges of this credit card.

Q5: Can I withdraw cash through the ADCB Islamic Classic Credit Card?

Ans: Yes, it comes with a cash withdrawal facility wherein cardholders are allowed to withdraw cash up to AED 5000 in times of financial emergency.

 

 

 

 

 

 

 

 

 

 

 

 

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