ADCB SimplyLife Credit Cards

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 financial 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%
  • Easy installment plans with low rates of interest
  • Facility of balance transfer
  • 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 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 Cash Back Credit CardADCB SimplyLife Cash Back Credit Card

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On this credit card, cardholders enjoy various offers and benefits on a regular basis. They can earn cash back on expenses 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 should show the credit and their boarding pass at the lounge’s entry for availing this benefit. 

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

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 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 card members just have to show their ADCB credit card and their boarding pass while entering the lounge for enjoying this facility. 

Credit Card Loan

If the 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

They can also split their regular expenses that are made using this simply life credit at low rates of interest and make repayments in simple monthly installments for 6, 9, 12, 18, or 24 months. 

ADCB Simply Life 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 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 card members 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 is AED 1,000. 

ADCB SimplyLife Family Credit CardADCB SimplyLife Family Credit Card

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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 Lulu Exchange at nominal charges. 

Credit Card Loan

If the 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

They can also split their regular expenses that are made using this simply life credit at low rates of interest and make repayments in simple monthly installments for 6, 9, 12, 18, or 24 months. 

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. 

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 February 2020) 

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 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 a critical illness coverage of AED 50,000. 

Q5: What is the facility of credit card loans available on this card?

Ans: If you need cash up to their pre-determined credit limit, you should 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.

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