ADCB Islamic Gold Credit Card

The ADCB Islamic Gold Credit Card is a monthly-based fee card. Loaded with a wide range of special features and benefits, this credit card is one of the best ADCB Islamic credit cards that help in meeting the different lifestyle needs of its card members. However, this ADCB Islamic credit card is no longer available to new credit card customers and only existing credit card members can continue to avail all the benefits and privileges of this card.

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

Look at the key features & benefits of the ADCB Islamic Gold Credit Card:

  • Bill Payments: ADCB enables the cardholders of ADCB Islamic Gold Credit Card to make the bill payments or top up their accounts for a wide range of services like Etisalat, ADDC, DU, and Salik. Members of this ADCB Islamic credit card can conveniently pay their bills through ADCB mobile app or ADCB internet banking in no time.
  • Pay Order Facility: ADCB Islamic Gold Credit Card members can get cash against their available credit limit just by calling on the number 600 56 2626. The amount will be transferred to their bank account within only 3 business days. The repayment can be done through monthly installments of 6, 9, 12 or 24 months.
  • Fast Pay: Cardholders can easily make their credit card bill payments at selected ATMs, EPPCO stations, AI Ansari Exchange, ENOC, and at any of the more than 50 ADCB branches.
  • Credit Shield Takaful: Credit shield an optional takaful plan that covers the ADCB Islamic Gold Credit Card’s outstanding balance amount against various unfortunate tragic events such as critical illness, permanent or total disablement, natural death, and involuntary loss of employment. However, members of this ADCB Islamic Credit card will need to pay a nominal fee of 9345% of the full outstanding balance amount to enjoy the benefit of this takaful program.
  • Minimum Due Amount: ADCB Islamic Gold Credit Card members can enjoy the flexibility of paying as minimum as 5% of their full outstanding amount every month. Afterward, they can carry forward a remaining amount to the billing cycle of the next month.
  • Convenient Payment Options: The ADCB Islamic Gold Credit Card bill payments can easily be made through any of the given below payment channels:
    • ADCB branches
    • Cash Deposit Machines
    • Mobile Banking App
    • ADCB Internet Banking
    • Auto-debit Instructions via ADCB Savings or Current Account

Alternatively, cardholders can also pay their credit card bill payment at ENOC/EPPCO, AI Ansari Exchange, and LuLu Exchange branches by just paying a nominal charge of AED 5 per payment transaction.

ADCB Islamic Gold Credit Card Rewards & Offers

The cardholder can enjoy the following offers and rewards with the ADCB Islamic Gold Credit Card:

  • Rewards Points: Cardholders are given membership into the rewards points program that is known as TouchPoints. Under this reward program, they can earn 0.75 Touchpoint on every AED 1 using the ADCB Islamic Gold Credit Card. And then the accumulated touchpoints can be redeemed for various attractive benefits.
  • Complimentary Supplementary Cards: Members of the ADCB Islamic Gold Credit Card can avail unlimited supplementary/add-on cards for their eligible family members on a complimentary basis.

Fees & Charges on ADCB Islamic Gold Credit Card

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

Particulares Fee & Charges

Annual Membership Fee

AED 210

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 Charge

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:  Do I need to pay an annual membership charge for supplementary ADCB Islamic Gold Credit Cards?

Ans: No! There is no charge for supplementary ADCB Islamic Gold Credit Cards. You can avail unlimited free add-on cards for the eligible family members.

Q2: How to apply for the ADCB Islamic Gold Credit Card?

Ans: You can apply for the ADCB Islamic Gold Credit Card through any of the given below ways:

  • Online: You are required to visit the ADCB’s official website and then you can apply for this credit card directly from there.
  • Offline: All those people who are not comfortable in applying for the ADCB Islamic Gold Credit Card online, such people can apply for this card offline by just visiting the nearby ADCB branch.
  • Phone banking: Alternatively, the bank also provides the flexibility to its customers to apply for the ADCB Islamic Gold Credit Card via phone banking. Interested people just need to call on 600 56 2626 in order to apply for this ADCB credit card.

Q3: Is the ADCB Islamic Gold Credit Card can be availed by new customers?

Ans: No, ADCB Islamic Gold Credit Card is no longer available to new customers and only existing cardholders can continue to avail all the benefits and privileges of this card.

Q4: It is compulsory to enroll in the credit shield takaful program?

Ans: No. Credit shield takaful is an optional program that covers the ADCB Islamic Gold Credit Card’s outstanding balance amount against various unforeseen events like permanent or total disablement, critical illness, natural death, and involuntary loss of employment.

Q5: Can I withdraw cash using the ADCB Islamic Gold Credit Card?

Ans: Yes, this card comes with a feature of cash withdrawal and it allows you to withdraw up to AED 5000 as cash in times of financial emergency.

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