ADCB Personal Loan


Abu Dhabi Commercial Bank (ADCB) is a public shareholding organization, formed in 1985 with a majority stake belonging to the Abu Dhabi Investment Council. ADCB ranks amongst the largest banks in the UAE with total assets worth over AED 145 billion. The ADCB personal loan is one of the most rewarding loans in the region, with benefits such as membership into the ADCB rewards program.

The ADCB bank personal loan is available for two categories of UAE residents. ADCB personal loans are available for Emiratis and for Expatriates with slightly differing ADCB personal loan eligibility criteria. In addition to the low ADCB personal loan interest rate, customers can also enjoy various retail store discounts and offers with an ADCB personal loan.

Features & Benefits of ADCB Personal Loan

The enticing ADCB bank personal loan features and benefits are expanded upon in the list below.

Loan Amount

The maximum ADCB personal loan amount is calculated as a multiple of the loan applicant’s salary. This is subject to change based on the earning potential of the ADCB personal loan applicant.

Life Insurance

ADCB bank personal loans offer a Credit Life insurance policy, which protects the loan holders from liability for outstanding payments in the event of sudden unexpected medical emergencies. The Credit Life insurance cover is available for as little as 1.05% of the borrowed ADCB personal loan amount.

Unemployment Cover

Loan holders may also opt-in for the involuntary loss of employment cover offered alongside the ADCB bank personal loan. This covers up to 10% of the outstanding loan payments for a period of 6 months and at a fee of 0.1% of the remaining ADCB personal loan amount.

Online Application

From applying for an ADCB personal loan to submitting an ADCB personal loan review, customers can perform all banking operations via the newly revamped ADBC online platform. The ADCB website also offers useful information and tools such as the ADCB personal loan calculator.

Loan Deferment

ADCB also reserves the right to approve postponement of ADCB personal loan instalment payments. This is only applicable for loan holders that have made a minimum of 6 ADCB personal loan payments, on time.

Other Benefits

As one of the most rewarding personal loans in the UAE, not only does the ADCB personal loan offer a free credit card, but it also offers membership into the TouchPoints rewards program. TouchPoints can be earned for every AED 1,000 of the ADCB personal loan amount upwards of AED 10,000 in total.

ADCB Personal Loan Eligibility & Documentation

The ADCB personal loan eligibility parameters are designed to assess an applicants creditworthiness and the risk of lending to them.


ADCB personal loan applicants are required to be a minimum of 21 years of age. This is applicable for UAE nationals and expats both.

Salary Transfer

Applicants may not avail of an ADCB personal loan without a salary transfer. The salary transfer must be approved by the applicant's employer.

Credit Score

The applicant’s credit score will be used to determine the maximum ADCB personal loan amount they are eligible for and subsequently, the applicable ADCB personal loan interest rate as well.

 The ADCB personal loan requirements also include submission of the following documents:

  1. Emirates ID.
  2. Residence Permit.
  3. Passport & Residence Visa (for non UAE nationals)
  4. Salary transfer letter
  5. Bank statement

The ADCB personal loan requirements may change per ADCB's discretion. Applicants should refer to the ADCB personal loan contact number for further information on the same.

ADCB Personal Loan Interest Rates

Applicants will be charged a reducing ADCB personal loan interest rate, which gets smaller with every instalment payment that the loan holder makes.

ADCB Personal Loan
Category Interest Rate Type of Interest TouchPoints Offered
For Emiratis 6.25% p.a. Reducing 200 TouchPoints per every AED 1,000 for an ADCB personal loan less than or equal to AED 150,000.
For Expatriates 5.25% p.a. Reducing 300 TouchPoints per every AED 1,000 for an ADCB personal loan of more than AED 150,000.

(Updated on May 2019)

The TouchPoints offered with an ADCB personal loan can be redeemed for shopping vouchers across tons of malls in the UAE and for lifestyle purchases such as spa and massage treatments.


Q.1. Is there a method to calculate my ADCB personal loan EMI before applying?

Ans: Yes, ADCB personal loan applicants can make use of an online personal loan calculator for the UAE ADCB loan for an estimate of the EMI. Applicants will require the ADCB personal loan interest rate, tenor and loan amount to calculate their monthly EMI.

Q.2. How long does it take for an ADCB personal loan application to get approved?

Ans: UAE residents that apply for an ADCB personal loan can expect a response within a day of submitting their form and quick approval processes. The application process for ADCB personal loans for UAE nationals and for expatriates may be initiated online, over the phone or in person at the ADCB branches.

Q.3. Is there an ADCB top-up personal loan?

Ans: Yes, ADCB personal loan top-ups are available for existing loan holders. These ADCB personal loan top-ups extend the total tenor and borrowed amount. ADCB personal loan interest rates may vary depending upon the additional amount that is availed of.

Q.4. What is the deferment charge?

Ans: ADCB personal loan holders may be granted a loan deferment only after having made 6 months of regular payments. These ADCB bank personal loan deferments can be accessed for AED 105 per each postponement.

Q.5. What does the TouchPoints program offer?

Ans: Members of the ADCB personal loan earn TouchPoints for every AED 1,000 of the borrowed amount over AED 10,000. These TouchPoints are rewards points that allow loan holders to avail of big discounts and promotions on retail purchases, lifestyle expenses and even travel costs.