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Abu Dhabi Commercial Bank has launched a range of Simply Life Credit Cards that help in making the financial lives of the users simple. SimplyLife is ADCB’s business unit that was launched with a view to offer easy financing options to the applicants with a simple application process and minimum documentation.
ADCB Simply Life Credit Card Benefits
Low retail finance charges equal to 3.25%
Personal payment plans with low rates of interest
The facility of balance transfer
The facility of credit card loan
Free life insurance along with critical illness cover
Easy bill payment without any additional charges
ADCB Simply Life Credit Card Offers
Complimentary access to the Diamond airport lounge in Abu Dhabi and Marhaba airport lounge in Dubai.
Cash back on the purchase of movie tickets
Cash back of up to AED 1,000 on a minimum spend of AED 1,000
Personalized credit card (picture on the card can be chosen by the cardholder)
Types of ADCB Simply Life Credit Cards
There are two types of SimplyLife cards:
ADCB Simply Life Cash Back Credit Card
ADCB Simply Life Family Credit Card
ADCB SimplyLife Cash Back Credit Card
On this credit card, cardholders enjoy various offers and benefits on a regular basis. They can earn cash back on their daily expenses of as low as AED 1,000. Moreover, there are various other benefits and rewards including free movie tickets, lounge access, and much more.
ADCB Simply Life Cash Back Credit Card Benefits and Features
Here is a rundown on the main features & benefits available on this credit card.
No Annual Charges
This SimplyLife credit card does not charge any annual fee and hence, is a “free for life” card.
Marhaba Airport Lounge Access
This MasterCard offers complimentary access to the Terminal 1 & 3 Marhaba Lounges in the Dubai International Airport and Terminal in the DWC: Al Maktoum International Airport. The card members simply need to show the credit card and their boarding pass at the lounge’s entry for availing this benefit.
Balance Transfer Facility
The cardmembers can transfer the remaining balance from the credit card of another bank to their Simply Life Credit card and save money with low rates of interest.
Fast Pay
The bank offers the users a facility to make payment of their ADCB credit card bills without any charge at any of the bank branches and selected ATMs throughout the Emirates. They can also make the payment at UAE Exchange, Al Ansari Exchange, ENOC/EPPCO fuel stations, and the branches of Lulu Exchange at nominal charges.
Diamond Airport Lounge Access
This ADCB Simply Life credit card offers complimentary access to the new Diamond Lounge that is located at the Abu Dhabi International Airport’s VIP terminal. The cardmembers just have to show their ADCB credit card and their boarding pass while entering the lounge for enjoying this facility.
Credit Card Loan
The credit card loan facility allows the cardmember to obtain cash in case of any financial emergencies. If cardholders need cash up to their pre-determined credit limit, they should simply call on the contact number of the bank and the funds will get transferred to their bank account within three working days. Under this facility, they are charged a very low rate of interest. They can make the repayments in simple monthly installments for 6, 9, 12, 18, or 24 months.
Personal Payment Plan
Cardholders can split their regular daily expenses that are made using this simply life credit at low rates of interest. The repayments for these payments can be made in simple monthly installments for 6, 9, 12, 18, or 24 months.
Card Control
With the card control feature, the cardholder can easily manage his or her ADCB Simply Life credit card on their finger tips. It adds safety to the card by setting up how, where, and when the credit card can be used without having to visit the branches or calling the helpline. By logging into the ADCB mobile app the following features can be accessed:
Set daily and monthly spending limits
Temporarily card blocking
Enabling or disabling transactions (international, online, in-store, cash withdrawals, etc.)
ADCB SimplyLife Cash Back Credit Card Rewards and Offers
Here is a rundown on the rewards and offers available on this credit card.
Movie Benefits
The cardholders can enjoy 2 free movie tickets on making purchases of AED 1,500 and above monthly. There is no complicated redemption process, all they need to do is buy 2 tickets for any movie show anywhere in the UAE. The bank will give them a cashback up to AED 70 per month on the tickets.
Cash back
The bank offers a cash back of 1% on all the purchases made using this credit card. The cardmembers just have to make minimum purchases of AED 1,000 monthly to obtain the cash back. The maximum amount of cash back they can receive in a month is AED 1,000.
ADCB SimplyLife Family Credit Card
This family card offers the cardholders and their family a host of exciting facilities and lifestyle benefits for catering to their daily needs. The features of this credit card are hand-picked for helping the users to protect their family and spend a good time with them.
ADCB Simply Life Family Credit Card Benefits and Features
Here is a rundown on the main features & benefits available on this credit card.
Annual Charges
This SimplyLife credit card does not charge any annual fee; however, the premium variant of this card charges an annual fee of AED 523.95.
Insurance
The cardholders can keep their respective families safe with the facility of free life insurance up to AED 100,000 on this card. The bank also offers critical illness coverage up to AED 50,000, which is applicable only on the ADCB SimplyLife Family Premium Credit Card with an annual membership charge.
Balance Transfer Facility
The card members can transfer the remaining balance from the credit card of another bank to their Simply Life Credit card and save money with low rates of interest.
Fast Pay
ADCB Simply Life credit card offers the users a facility to make payment of their ADCB credit card bills without any charge at any of the bank branches and selected ATMs throughout the Emirates. They can also make the payment at UAE Exchange, Al Ansari Exchange, ENOC/EPPCO fuel stations, and branches of Lulu Exchange at nominal charges.
Credit Card Loan
This feature helps the cardholder obtain cash in case of any financial emergencies. If cardholders need cash up to their pre-determined credit limit, they can simply call on the contact number of the bank and the funds will get transferred to their bank account within three working days. Under this facility, they are charged a very low rate of interest. They can make the repayments in simple monthly installments for 6, 9, 12, 18, or 24 months.
Personal Payment Plan
Cardholders can also split their regular daily expenses that are made using this Simplylife credit at low rates of interest and make repayments in simple monthly installments for 6, 9, 12, 18, or 24 months.
Card Control
With the card control feature, the cardholder can easily manage his or her ADCB Simply Life credit card on their fingertips. It adds safety to the card by setting up how, where, and when the credit card can be used without having to visit the branches or calling the helpline. By logging into the ADCB mobile app the following features can be accessed:
Set daily and monthly spending limits
Temporarily card blocking
Enabling or disabling transactions (international, online, in-store, cash withdrawals, etc.)
ADCB Simply Life Family Credit Card Rewards and Offers
Here is a rundown on the rewards and offers available on this credit card.
Movie Offers
Family Credit Card: The cardholders can enjoy 2 free movie tickets on making purchases of AED 1,500 and above monthly. There is no complicated redemption process, all they need to do is buy 2 tickets for any movie anywhere in the UAE. The bank will give them a cashback up to AED 70 per month on the tickets, which is credited automatically.
Family Premium Credit Card: Just as the Family card, card users can enjoy cash back on 6 movie tickets on making purchases of AED 1,500 and above monthly. The bank will give them a cashback up to AED 210 per month on the tickets, which is credited automatically.
Travel Offers
ADCB has partnered up with Cleartrip to offer cardholders exclusive deals and discounts on travel as well as entertainment when the booking is made using the ADCB Simply Life Family Credit Card. They can enjoy discounts of up to 5% on air flights, up to 10% on hotel bookings, and up to 15% on local entertainment.
Photo Card
The bank gives the card members a facility of personalizing their ADCB credit card with a picture of their choice making their memories live longer.
Documents Required and Fees & Charges on ADCB Simply Life Credit Card
The following documents are required for availing these credit cards.
Duly filled application form
Passport copy along with residence Visa (for expats) and page 60 (for UAE Nationals)- validity of 30 days during the credit card application approval
Emirates ID or EIDA application form (copy)
Government-issued photo ID or labor card (copy, self-attested by the applicant)
Bank statement for the previous 3 months
Recent payslip or current salary certificate
Fees & Charges of ADCB Simply Life Credit Card
The table below shows the latest fees and charges applicable on these credit cards.
Fees & Charges
SimplyLife Cash Back Card
SimplyLife Family Card
Annual Fee
Free for life
Family Card: Nil Family Premium Card: AED 523.95
Finance charges (monthly)
3.25% (Retail purchase) 3.50% (cash advance) Up to 1.50% (BT/Installment Payments/Credit Card Loan)
3.25% (Retail purchase) 3.50% (cash advance) Up to 1.50% (BT/Installment Payments/Credit Card Loan)
Cash advance charges
AED 105 or 3.15% (whichever is more)
AED 105 or 3.15% (whichever is more)
Over-limit charges
AED 288.75
AED 288.75
Late payment charges
AED 241.50
AED 241.50
Card replacement charges
AED 78.75
AED 78.75
Duplicate statement charges
AED 26.25
AED 26.25
Returned cheque fees
AED 157.50
AED 157.50
Sale voucher copy
AED 26.25
AED 26.25
International Currency transaction fees
2.99%
2.99%
Photo replacement charges
-
AED 57.75
Credit shield charges (optional)
1.0395% of the remaining amount during the billing cycle
1.0395% of the remaining amount during the billing cycle
Increase in credit limit (temporary)
AED 52.50
AED 52.50
Exchange house payment charges
AED 5.25 on each transaction
AED 5.25 on each transaction
Paper statement charges
AED 5.25 on each statement
AED 5.25 on each statement
Foreclosure charges
AED 210
AED 210
Processing charges on 0% payment plans and credit card loans
Ans: The benefit of photo card means that you can personalize your Simply life family credit card with any picture of your choice.
Q2: How can I make payment of my simply life credit card bills?
Ans: You can pay your simply life credit card bill without any charge at any of the bank branches and selected ATMs throughout the Emirates. You can also make the payment at UAE Exchange, Al Ansari Exchange, ENOC/EPPCO fuel stations, and branches of Lulu Exchange at nominal charges.
Q3: Is there any cash back on these credit cards?
Ans: The Simply life cash back card offers a cash back of 1% on all the purchases made using the card. You just have to make minimum purchases of AED 1,000 monthly to obtain the cash back. The maximum amount of cash back you can receive is AED 1,000.
Apart from this, you can also enjoy a cash back on movie tickets on spending a minimum of AED 1,500 monthly.
Q4: Do I get insurance on these credit cards?
Ans: You can keep your family protected with the free life insurance amounting to AED 100,000 (maximum) offered by ADCB on the Simply Life Family Credit card. If you have a Family Premium card, you can also avail of critical illness coverage of AED 50,000.
Q5: What is the facility of credit card loans available on this card?
Ans: In case of a cash crunch, if you need cash up to their pre-determined credit limit, you can simply call on the contact number of the bank and the funds will get transferred to your bank account within three working days. Under this facility, you will be charged a very low rate of interest. You can make the repayments in simple monthly installments for 6, 9, 12, 18, or 24 months.
