Credit Card in UAE

ADCB Accor Infinite Credit Card

Credit Card with
Cashback and Rewards
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

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ADCB Accor Infinite credit card is a fairly new product launched by the Abu Dhabi Commercial Bank in a partnership with Accor Hotels. The card is designed to offer a limitless experience to customers with highly exclusive deals and discounts at Accor Hotels and an exciting reward program. With their ADCB Accor Infinite credit card, users are set to enjoy an array of lifestyle and travel benefits.

Features of ADCB Accor Infinite Credit Card

  • Reward Points: ADCB Accor Infinite credit card offers a rather bountiful rewards program. You can earn up to 30,000 reward points when you activate your ADCB credit card. Moreover, every time you spend 1 USD or equivalent at Accor hotels in UAE, you get 3 reward points. This is also applicable elsewhere, as 3 reward points can be earned on other international spending while 1.5 reward points can be received on all domestic expenditures. You can redeem these reward points at any Accor Hotel stays around the globe. 
  • Flexible Repayment Options: From installment payment options to balance transfer, credit card loans, and the FlexiPay system, the ADCB Accor Infinite credit card presents several flexible options to pay off your expenses. You can use any of these payment options available at your disposal and benefit from special features like long repayment tenure and 0% interest rates. 
  • Credit Shield: ADCB credit cards also come with a credit shield cover to secure your financial interests in case you lose your income source and are unable to pay your credit card debt. Credit shield coverage includes involuntary loss of employment, natural death, disability, accidental death, and critical illnesses. And that’s not all, as complimentary life insurance is also offered with ADCB Accor Infinite credit card. 
  • Credit Card Loan: ADCB Accor Infinite Credit Card allows users to take a loan against their credit limit. This credit loan can be repaid in up to 12 months with 0% interest rates in easy payment installments. 
  • Value-Added Benefits: ADCB Accor Infinite credit cardholders can enjoy several value-added benefits including travel and lifestyle benefits. Dining discounts, spa offers, free access to airport lounges, concierge services, and chaffer services are a few of the many benefits you get with this ADCB credit card. 

Benefits of ADCB Accor Infinite Credit Card

  • Accor Hotel Benefits: Perhaps the biggest benefit of having an ADCB Accor Infinite credit card is the exclusive benefits that you get to enjoy at Accor hotels. From free private beach and pool access to discounts on dining and spas, there is a lot you can expect to get when you book your stay at Accor hotels using your ADCB Accor Infinite credit card. 

Some of the key benefits you can expect to enjoy using this ADCB credit card include upgrades to suits and lounges, up to 25% off on dining and spa, late checkouts, and complimentary Wi-Fi. These benefits are available on select Accor Hotels and restaurants in UAE 

  • Easy Instalment Conversion: If you sponsor your children’s education in UAE, you can use your ADCB Accor Infinite credit card to pay off their education fee and convert it into an easy monthly payment plan. These payment plans for education fees come with 0% interest, which gives you financial flexibility and the chance to effectively manage your funds. 
  • Loan Against Credit Card: Your ADCB Accor Infinite credit card can always be used to draw a loan as per the credit limit applicable on your card. You can pay back this loan in 12 months with 0% applicable interest. Easy monthly instalments can be drawn for your credit card loan as well. 
  • Balance Transfer Facility: The balance transfer facility of your ADCB Accor Infinite credit card allows you to transfer the balance due on your credit card to another credit card account and pay it off at a lower interest rate. You can transfer the balance from other credit cards to this one and pay off the debt at minimal interest rates. 
  • Travel Benefits: You can enjoy an array of travel benefits with your ADCB Accor Infinite credit card, which comes with free unlimited access to airport lounges for you and one guest, free golf sessions, a complimentary chauffeur from the airport, global concierge services all over the world, and so on. 
  • Complimentary Anniversary Stays: ADCB Accor Infinite credit card offers complimentary one-night stays at Accor Hotels on your credit card anniversary. You can book your stay from the official website of Accor Hotels any day 12 months from the anniversary date of the card. Just keep in mind that this benefit can be redeemed once you pay your annual fee for the next year. 

Reward Points for ADCB Accor Infinite Credit Card 

  • Get 15,000 reward points as your joining bonus when you apply for your ADCB Accor Infinite credit card 
  • Earn additional 15,000 reward points when you spend at least AED 30,000 within 90 days of card activation 
  • Get up to 3 reward points on every spending make at Accor Hotels (applicable on every USD 1 spent or equivalent) 
  • Get up to 3 reward points on all international expenditures and 1.5 reward points on all domestic spending (applicable on every USD 1 spent or equivalent)

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Eligibility Criteria for ADCB Accor Infinite Credit Card

  • Nationality: Any UAE national or resident can apply for the ADCB Accor Infinite credit card in UAE provided they have valid proof of their residency or citizenship when sending in their application. 
  • Age: Any UAE resident or national more than 21 years of age can apply for an ADCB credit card in UAE. The applicant must hold valid identity proof and have a regular source of income to send in an application. Applicants who complete the age eligibility criteria but are not employed can hold a supplementary ADCB Accor Infinite credit card. 
  • Employment Status: Both self-employed and salaried individuals can apply for an ADCB credit card in UAE provided the applicant is able to show valid proof of income with their application. 
  • Minimum Income: A minimum monthly income of AED 40,000 is required to get an ADCB Accor Infinite credit card. This applies to both salaried and self-employed individuals.

Eligibility Parameters 

Eligibility Criteria 

Nationality 

UAE nationals and residents 

Employment 

Salaried and self-employed 

Minimum Income 

AED 40,000

Age 

21 years

Documents Required for ADCB Accor Infinite Credit Card

The following are the basic documents you will need to get an ADCB Accor Infinite credit card in the UAE:

  • Valid passport and Visa for UAE residents
  • Emirates ID for both UAE residents and citizens 
  • Salary slips as income proof for salaried individuals 
  • Bank statements as income proof for self-employed individuals
  • Trade license and other business-related documents for self-employed individuals 

As the bank may ask for other documents as per the requirement of the hour, you should make sure to check the list of required documents in your case beforehand if you plan to apply for your ADCB credit card in the UAE offline. 

Fees & Charges for ADCB Accor Infinite Credit Card

ADCB Accor Infinite Credit Card Fees & Charges 

Applicable Charges 

Annual Fee 

AED 1,575 for primary credit card 

AED 262.5 for supplementary credit cards 

Finance charges for retail purchase 

3.25% per month

Finance charges for cash advance 

3.5% per month 

Finance charges for balance transfer, credit card loan, and instalment plans 

1.5%

Cash advance fee

AED 105 or 3.15% (whichever is higher)

Over limit fee 

AED 288.75

Late payment fee 

AED 241.5

Credit shield fee 

1.0395% of the outstanding amount in any given billing cycle 

Foreclosure fee 

AED 210

Processing fee 

AED 52.5

Minimum payable due 

5% of the outstanding amount or AED 100 (whichever is higher)

Cash advance limit 

60% of the total credit limit 

Card replacement fee 

AED 78.75

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How to Apply for ADCB Accor Infinite Credit Card?

You can apply for your ADCB Accor Infinite credit card in UAE using both online and offline application methods. Listed below are the detailed steps for different ADCB credit card application methods and platforms:

Via Policybazaar

  • Visit policybazaar.ae and head to the credit card homepage.
  • Locate the credit card lead form on this page, enter the required details, and submit the form. 
  • You will be redirected to the quotes page of the credit cards where you will find ADCB Accor credit cards as well. 
  • Compare all the available options and check if the ADCB Accor Infinite credit card meets all your requirements. 
  • Once you have made your decision, click on ‘apply now’ and visit the application page of ADCB credit cards. 
  • Fill out the application form, attach the required documents, and submit the form. 
  • Your application will be sent to ADCB immediately. The bank will analyse your application, check the eligibility, and send you a message regarding approval or rejection.
  • You will get your ADCB credit card delivered at home if your application is considered approved and all the verification-related formalities have been completed. 

Via ADCB Website 

  • Go to the official website of Abu Dhabi Commercial Bank and head to the designated page of ADCB Accor Infinite credit card.
  • Scroll down to the bottom of this page and locate the application form at the end. 
  • Choose whether you are a new customer or an existing customer of the ADCB before filling out the form. 
  • If you are an existing customer, enter your customer ID, name, email address, and registered mobile number and select your emirate. 
  • If you are a new customer, provide your name, email address, and personal mobile number, and select your emirate. 
  • Submit this application form once you are done. The bank will receive your form right away and initiate the account verification procedure. 
  • Once your application is verified and approved, the bank will send you a message of approval. 
  • You will get your credit card delivered to your home automatically after approval. 

Via ADCB Customer Centre 

  • You can also submit your credit card applications submitted via the customer care cell of Abu Dhabi Commercial Bank. 
  • Call 600502030 and connect with an executive at the bank. 
  • Let them know that you would like to apply for an ADCB Accor Infinite credit card. 
  • The executive will ask you to provide a few required pieces of information and documents. 
  • If you are an existing customer with ADCB, you may not have to submit documents like income proof, identification proof, and residency proof. 
  • Once the customer care executive has everything that they require in order, your credit card application will be submitted.
  • The bank will analyse the documents and get back to you with approval if everything checks out. 

Via SMS 

  • You can also start your ADCB Accor Infinite credit card application process using the SMS service on your mobile phone. 
  • SMS ‘ACCOR’ to 2626 and wait for a reply. 
  • Once you get reverted with instructions to get your ADCB Accor Infinite credit card, follow the steps to confirm your application. 
  • The bank will verify your application and get back to you with approval. 
  • You will get your credit card delivered at home once the bank completes all the necessary formalities and dispatches your card. 

Via ADCB Branches

  • If you want to submit your ADCB credit card application offline, find a nearby ADCB branch and make arrangements to visit it. 
  • Take all the necessary documents for the application when you visit the branch to avoid any hassles later. 
  • Connect with a credit card executive at the branch and obtain an application form from them. 
  • Fill out the application form, attach the required documents, and submit both at the branch. 
  • Once the bank verifies your application, it will send you a message concerning the approval or rejection of your application via text or email. 
  • Your ADCB credit card will be delivered to your home if your application for the card is approved. 
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ADCB Islamic TouchPoints Platinum Credit Card

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FAQ's On ADCB Accor Infinite Credit Card

How can I check the reward balance on my ADCB Accor Infinite credit card?

The reward points you earn with your ADCB Accor Infinite credit card are credited into your ALL (Accor Live Limitless) account. You can log into your ALL account to check your reward point balance.

What is the minimum salary required to get an ADCB Accor Infinite credit card in the UAE?

A minimum monthly income of AED 40,000 is required to apply for an ADCB Accor Infinite credit card in the UAE.

How do I apply for my ADCB Accor Infinite credit card?

You can use both online and offline channels to send in your applications.

What is the redemption value of ADCB Accor Infinite credit card reward points?

The redemption value of reward points for ADCB Accor Infinite credit card is set at 40 Euros for 2,000 points. 

What is the minimum required number of reward points for redemption?

You will need at least 2,000 points to redeem the reward points to avail of the benefits at Accor hotels in the UAE.

Do I need an ALL membership account to apply for an ADCB Accor Infinite credit card?

No, you do not need to have an ALL membership account beforehand to get your ADCB Accor Infinite credit card as ADCB creates a new account for you when you apply for your credit card in the UAE.

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