ADCB SimplyLife Credit Cards

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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:

  1. ADCB Simply Life Cash Back Credit Card
  2. ADCB Simply Life Family Credit Card  

ADCB SimplyLife Cashback Credit Card

On this credit card, cardholders enjoy various offers and benefits on a regular basis. They can earn cashback 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 SimplyLife Cash Back Credit Card
CashBack
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Movie Discounts
  • Dining Discounts
  • Cash back
Reward Value: AED 13,236

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Benefits of ADCB SimplyLife Cash Back Credit Card

  • Cashback Programs - ADCB SimplyLife aims to enhance your shopping experience by rewarding you on a daily basis. On every monthly purchase of AED 1,000 or above via your ADCB SimplyLife Cash Back credit card, you will receive a cashback of 1%. The more you spend, the more you earn!
  • Free Movie Tickets - For all you movie lovers out there, use the ADCB SimplyLife Cash Back credit card and get a chance to watch a free movie or cinema every month. When you spend AED 1,500 or above in a month with your ADCB SimplyLife Cash Back credit card, you receive two free movie tickets so that you can take your friend or loved ones along with you or if you are a lone wolf, use the extra ticket to maintain distance from others!
  • Dining Discounts - With ADCB SimplyLife Cash Back credit card, you can go to that expensive dining without worrying about the expenses. As an owner of this card, you receive up to a 25% discount at over 500 restaurants all over the UAE.
  • Superior Protection - Do credit cards provide insurance? Sure! ADCB SimplyLife cash back credit card provides you and your family with financial protection in case of critical illness, permanent disability, and involuntary loss of job or even death. To receive this benefit, all you need to do is enrol in the credit shield program and pay a nominal monthly fee to receive insurance benefits of up to AED 100,000.
  • Marhaba Lounge Access - As an owner of ADCB SimplyLife Cash back credit card, you receive free access to Marhaba lounges at Terminals 1 and 3 of Dubai International Airport and DWC-Al Maktoum International Airport. All you need to do is show your boarding ticket and ADCB SimplyLife cash back credit card at the entry point.
  • Diamond Lounge Access - For premium experience to ADCB SimplyLife cash back credit card holders, the bank offers complimentary access to Diamond Lounge at the VIP terminal of Abu Dhabi International Airport. To enjoy this benefit, present your ADCB SimplyLife cash back credit card along with your boarding pass.
  • No Annual Fee - You receive all these benefits at no extra cost. The annual fee charged for this card is zero.

Features of ADCB SimplyLife Cash Back Credit Card

  • Pay Utility Bills - ADCB SimplyLife Cash Back credit card can be used to pay utility bills at AACD, ADDC, DEWA, Etisalat, SEWA and Salik via ADCB Personal Internet Banking or through ADCB Mobile Banking from anywhere in the world. 
  • Pay School and College fees - Over 300 educational institutions in the UAE accept fee payment through ADCB SimplyLife Cash Back credit card.
  • Balance Transfer - While you cannot pay for one credit card through another, ADCB allows you to transfer your debt on SimplyLife Cash Back credit card to another bank’s credit card. This gives you more time to repay your debts at a lower rate of interest. 
  • Credit Card Loan - Do you need a loan? Don’t go anywhere else! Abu Dhabi Commercial Bank lends you money against your credit limit on SimplyLife Cash Back credit card. Simply call the bank and receive the cheque at your doorstep. You can repay the loan in flexible instalments of 6, 9, 12, 18, or 24 months. 
  • Personal Payment Plan - In case you do not want to pay the entire amount for your day-to-day transactions, ADCB allows you to split your everyday purchase transactions into instalments, which can be paid over a span of 6, 9, 12, 18, or 24 months at low interest rates.
  • E-statements - To contribute towards a greener environment, ADCB generates monthly e-statements for its ADCB SimplyLife cash back credit card customers. This not only helps in keeping the environment clean and safe but also allows you to keep a regular check on your expenditure.
  • Complete Control - ADCB provides an additional safety feature on your SimplyLife cash back credit card that lets you manage the usage of your credit card. Using this feature, you can restrict how, where and when you want to use your credit card. This is especially beneficial if you have a supplementary credit card or if you want to hand over your card to your children.

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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.

Eligibility for Purchasing ADCB SimplyLife Cash Back Credit Card

You are eligible to purchase an ADCB SimplyLife Cash Back credit card if:

  • You are a UAE national or expatriate resident in the UAE
  • Your minimum salary is AED 8,000 or above
  • You are aged 18 or above
  • You have a valid Emirates ID or EIDA Application form’s copy, passport, residential proof, salary certificate or payslip, labour card or government issued photo ID card

*Please note that the aforementioned list of eligibility and documents are not final. The bank may require more documents to approve your request for a credit card.

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 SimplyLife Family Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Movie Discounts
  • Dining Discounts
  • travel Dissounts
Reward Value: AED 2,140

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:
  1. Set daily and monthly spending limits
  2. Temporarily card blocking
  3. 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

  1. 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.
  2. 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 AED 52.50 AED 52.50

(Updated as of August 2020) 

Other Types of ADCB Credit Cards - 

                                                              Types of ADCB Bank Credit Card
ADCB SimplyLife Credit Cards ADCB Islamic TouchPoints Gold Credit Card
ADCB LuLu Co-Brand Platinum Credit Card ADCB TouchPoints MyChoice Infinite Credit Card
ADCB TouchPoints Titanium/Gold Credit Card ADCB Betaqti Credit Card
ADCB Traveller Credit Card ADCB Etihad Guest Signature Credit Card
ADCB TouchPoints Platinum Credit Card ADCB Islamic TouchPoints Platinum Credit Card
ADCB Lulu Titanium Credit Card ADCB Etihad Guest Above Platinum Credit Card
ADCB Etihad Guest Above Infinite Card ADCB Islamic Etihad Guest Infinite Credit Card
ADCB Islamic Gold Credit Card ADCB Islamic Etihad Guest Signature Credit Card

Frequently Asked Questions 

Q1: What does the benefit of photo card mean?

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.