Credit Card in UAE

ADCB Accor Signature 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 Signature credit card is one of the two exclusive credit cards released by ADCB in partnership with Accor Hotels. This credit card is designed to offer discounts and deals at select Accor Hotels properties in UAE besides an array of other value-added benefits. The holders of this ADCB credit card in the UAE can earn reward points from Accor Live Limitless and redeem them to avail of benefits at several Accor Hotels across the UAE.

Features of ADCB Accor Signature Credit Card

  • Reward Benefits: Get up to 15,000 reward points when you sign up for your ALL – ADCB Signature credit card. While 7,500 reward points are awarded when your ADCB credit card in UAE is activated, another 7,500 reward points are given when you make a minimum spending of AED 20,000 within 90 days of card activation. You can also earn up to 3 reward points when you use your ADCB Signature credit card internationally, domestically, or at Accor Hotels. 
  • Multiple Repayment Options: Repaying the dues on your ADCB Signature credit card is fairly easy, given the number of available repayment options available. You can repay your credit card dues in full at the end of the billing cycle or you can opt for repaying the retail balance with FlexiPay and convert it into small monthly installments. You can also use your ADCB credit card in the UAE to pay for other hefty expenses in installments, with the easy monthly payment option available for all participating payment partners of ADCB. 
  • Loan Against Your Card: If you are in urgent need of money, you can utilize your ADCB Signature credit card to get an instant loan at a zero percent interest rate. The loan can then be repaid within the next 12 months at your convenience.
  • Exclusive Value-Added Benefits: In addition to exciting rewards, flexible payment options, and loyalty benefits, you can also enjoy an array of value-added benefits with the ADCB Signature credit card. Get travel benefits, dining discounts, spa offers, and discounts on access to private beaches, gyms, pools, and more. 
  • Credit Shield with Life Insurance: ADCB Signature credit card comes with a credit shield and complimentary life insurance to secure your family’s financial interests in case of a mishap. Credit shield helps you cover the credit card repayment amount for a limited period in case of involuntary loss of employment, with the other included covers being for natural and accidental death, disablement, critical illnesses, and top-up life insurance cover. 

Benefits of ADCB Accor Signature Credit Card

  • Exclusive Accor Hotel Benefits: You can enjoy a discount on pool access, dining, spa services, and more at select Accor Hotels and restaurants. You can also get the option to upgrade your room, get early check-ins or late check-outs, complimentary Wi-Fi, and more with your ADCB Accor Signature credit card. Just keep in mind that all Accor hotel benefits are applicable on the participating list of hotels and restaurants in the UAE from Accor only. 
  • EMI for Education Expenses: Paying your education fee or sponsoring the education of your dependents is easy with the ADCB Accor Signature credit card. You can convert the education fee into easy monthly payments with your ADCB credit cards in the UAE without any interest, which ensures financial stability as well as the flexibility of making large payments in smaller amounts. 
  • Loan Facility: ADCB Accor Signature credit card provides customers with the option of drawing loans against the credit limit allotted to their cards. You can get a loan in cash up to the credit limit of your credit card in UAE and repay it in easy monthly payments over up to 12 months. Additionally, the ADCB Credit Card loan is provided at a zero percent interest rate. 
  • Balance Transfer Benefits: You can use your ADCB Accor Signature credit card to settle the outstanding balance on your other credit cards from other banks. A minimal 1.05% finance charge is levied on the ADCB Accor Signature credit card balance transfer facility per month. With this special benefit, individuals can repay their credit card dues at significantly lower interest rates. 
  • Free Stays in Accor Hotels: Your ADCB Accor Signature credit card enables you to enjoy a complimentary one-night stay in select Accor Hotels on your credit card anniversary. You can redeem your one-night free stay any time within the next 12 months of your credit card anniversary after paying the annual fee for the upcoming year. 
  • Exciting Travel Benefits: ADCB credit card in the UAE is an excellent card choice if you wish to enjoy an array of travel benefits like complimentary access to airport lounges all over the world, free airport rides with a chauffeur, multi-trip insurance for your travels abroad, and so on. To get access to all the complimentary travel insurance benefits, all you need is your ADCB Accor Signature credit card. 

Reward Points for ADCB Accor Signature Credit Card 

  • Get 7,500 reward points as a joining or welcome bonus when your ADCB Accor Signature credit card gets activated 
  • Earn an additional 7,500 ALL reward points if you spend a minimum of AED 20,000 within 90 days of your card issuance date
  • Earn 2 reward points when you spend 1 US Dollar or its equivalent on Accor Hotels in the UAE 
  • Earn up to 2 reward points when you spend 1 US Dollar or an equivalent internationally
  • Get up to 1 reward point when you spend 1 US Dollar or its equivalent domestically

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Eligibility Criteria for ADCB Accor Signature Credit Card

  • Nationality: Both UAE residents and nationals are eligible to apply for the ADCB Accor Signature credit card. 
  • Age: Individuals older than 21 years can apply for all different ADCB credit cards in the UAE including the Accor Signature credit card. 
  • Employment: Both self-employed and salaried individuals are eligible to apply for an ADCB Accor Signature credit card in the UAE. However, the applicants must show proof of income when sending in their applications. 
  • Monthly Income: The minimum monthly income required to apply for an ADCB Accor Signature credit card is AED 20,000. This criterion applies to both salaried as well as self-employed individuals. 

Eligibility Parameters 

Eligibility Criteria

Age 

21 years 

Nationality 

UAE residents and citizens 

Employment 

Salaried and self-employed 

Minimum Income 

AED 20,000

Documents Required for ADCB Accor Signature Credit Card

  • Passport and Resident Visa of the UAE resident applying for the card
  • Emirates ID of the applicant (for both UAE residents and nationals)
  • Salary slips of the applicant as income proof – for salaried employees only
  • Bank statements as income proof – for self-employed applicants only
  • Trade licences and other company documents for self-employed people

Fees & Charges for ADCB Accor Signature Credit Card

ADCB Accor Signature Credit Card Fees & Charges 

Applicable Charges 

Annual fee 

AED 1,050 for primary credit card 

Finance charges for retail purchase 

3.25% per month

Cash advance fee

AED 105 or 3.15% (whichever is higher)

Late payment fee 

AED 241.5

Cash advance limit 

60% of the total credit limit 

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

1.5%

Processing fee 

AED 52.5

Over limit fee 

AED 288.75

Credit shield fee 

1.0395% of the outstanding amount in any given billing cycle 

Foreclosure fee 

AED 210

Finance charges for cash advance 

3.5% per month 

Minimum payable due 

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

Card replacement fee 

AED 78.75

How to Apply for ADCB Accor Signature Credit Card?

You can apply for your ADCB Accor Signature credit card using a few different online and offline platforms. Given below are the different platforms you can use to submit your credit card applications in the UAE and the steps to do so:

Via Policybazaar

  • Go to the official website of Policybazaar UAE (policybazaar.ae) and head to the ‘credit card’ main page. 
  • Find the lead form on the main page itself and fill it out using the required information.
  • Once you submit the form, you will be redirected to the quotes page of credit cards. 
  • Here, you will find all the different credit cards suitable for you, with the list being filtered as per the information provided on the lead form. You can change the filters as per your preference. 
  • Scan the available cards and find the ADCB Accor Signature credit card in the list. 
  • Check all the features and benefits listed for the card, and confirm all the eligibility criteria and documents required. 
  • Compare your chosen card with other top contenders if you like. 
  • Once you have finalised your choice, move forward to send in your application. 
  • Click on the "apply now" button and head to the application form. Fill out all the required details on the application form. 
  • Attach the required documents and submit the form. 
  • The bank will receive your application and connect with you for further application steps. 

Via ADCB Website 

  • Visit the official ADCB website and head to the official page of the ADCB Accor Signature credit card. 
  • Scroll down to the bottom of the page and find the application form. 
  • Select whether you are a new customer or an existing customer. 
  • If you are a new customer, enter your name, personal phone number, and email address in the designated spaces. Select your emirate and send your application. 
  • On the other hand, if you are an existing customer, enter your current customer ID, name, email, and phone number. Select your emirate and submit your application form. 
  • Once the bank receives your application, it will run a verification for your documents and eligibility. 
  • You will receive a reply with approved or denied status from the bank once your application is processed by the bank. 

Via ADCB Customer Centres

  • Connect with the ADCB customer help centre by dialling 600502030. 
  • Once you are connected with a customer care executive, inform them about your wish to apply for an ADCB Accor Signature credit card. 
  • The customer care executive will ask you to provide a few details related to the eligibility criteria for the credit card. 
  • You may be required to submit your documents in the format specified by the executive. However, if you are an existing customer, your customer ID will suffice and no other documents would be required for identification purposes. 
  • Once you have provided all the required details, the customer care executive will submit your application. 
  • Your eligibility for the ADCB Accor Signature credit card will be verified by the bank.
  • You will receive an answer regarding approval or denial of your application once the processing is done. 

Via SMS 

  • Individuals can always send their ADCB Accor Signature credit card application via SMS as well. 
  • Send ‘ACCOR’ as an SMS to 2626. 
  • Once you send this SMS, the bank will connect with you either via text or phone. 
  • Select ADCB Accor Signature credit card as your Accor card variant and move ahead with the application. 
  • Once the bank has processed your application and run verification, you will be contacted regarding the approval or rejection of your card. 
  • Your ADCB Accor Signature credit card will be delivered to your home if you get the approval. 

Via ADCB Branches 

  • You can always apply for your ADCB Accor Signature credit card directly by visiting an ADCB branch in the UAE. 
  • Collect all the required documents for the application and visit one of the nearby branches.
  • Connect with an executive from the credit card department and get an application form. 
  • Fill out the form, attach the required documents, and submit them to the executive. 
  • Wait for approval from the bank. Once you get approved for the card, it will be delivered to your residence via courier. 

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FAQ's On ADCB Accor Signature Credit Card

How can I apply for my ADCB Accor Signature credit card?

You can use an array of online and offline application platforms to apply for an ADCB Accor Signature credit card. 

What is the minimum salary required to apply for an ADCB Accor Signature credit card?

A minimum monthly income of AED 20,000 is required to apply for an ADCB Accor Signature credit card in the UAE. 

What is the minimum number of reward points required at a time to apply for redemption?

You will need a minimum of 2,000 reward points to redeem them for other benefits. 

Do I need to open an ALL account to get an ADCB Accor Signature credit card?

No, you do not need to open an ALL account before applying for your ADCB Accor Signature credit card. This account is opened on your behalf by the ADCB bank when your application is approved.

Where can I check the balance of my reward points from the ADCB Accor Signature credit card?

You can log into your ALL account to check the balance of your ADCB Accor Signature credit card reward points. 

Is the redemption value of ADCB Accor Signature credit card reward points set? What is the value of ADCB Accor Signature credit card reward points?

Yes, the redemption value of ADCB Accor Signature credit card reward points is set  for 2,0at 40 Euros00 points. 

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