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ADCB Credit Card Eligibility

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Abu Dhabi Commercial Bank, also referred to as the ADCB, is one of the leading banking institutions in the UAE owing to its financial products and services across the domains of consumer banking, business banking, and more. Among the most popular financial products offered by this bank in the UAE are the ADCB credit cards.

ADCB credit cards offer a wide range of benefits related to entertainment, travel, dining, lifestyle, and more. Taking advantage of these benefits is as simple as applying for an ADCB credit card today. However, to have your application approved, you should be aware of the ADCB credit card eligibility requirements first. Applying for these cards without fulfilling the requirements, ultimately, can lead to a direct rejection of your application.

ADCB Credit Card Eligibility Criteria

Given below are the major ADCB credit card eligibility criteria for most ADCB credit cards:

  1. The applicant must be at least 21 years old 
  2. The applicant should meet the salary requirements based on their chosen ADCB credit card
  3. A good credit score is essential to avail of any credit card
  4. The applicant must have a valid UAE mobile number 

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Eligibility Criteria for Top ADCB Credit Card

Discussed below are the eligibility criteria for the major ADCB credit cards in detail:

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Eligibility Criteria

ADCB Infinite Credit Card

  • Minimum monthly income - AED 40,000
  • Minimum age requirement - 21 years
  • Applicant must be a UAE National or resident

ADCB Signature Credit Card

  • Minimum monthly income - AED 20,000
  • Minimum age requirement - 21 years
  • Applicant must be a UAE National or resident

ADCB Betaqti Credit Card

  • Applicant must be a UAE National or resident
  • Minimum age requirement - 21 years

ADCB Etihad Guest Infinite Credit Card

  • Applicant must be a UAE National or resident
  • Minimum age requirement - 21 years

ADCB Etihad Guest Platinum Card

  • Applicant must be UAE National or resident
  • Minimum monthly salary required – AED 15,000
  • Minimum age requirement - 21 years

ADCB Traveller Credit Card

  • Applicant must be a UAE National or resident
  • Minimum age requirement - 21 years

ADCB Touchpoints Infinite Credit Card

  • Applicant must be UAE National or resident
  • Minimum age requirement- 21 years

ADCB Touchpoints Platinum Credit Card

  • Minimum age requirement - 21 years
  • Applicant must be a UAE National or resident
  • Minimum monthly salary – AED 8,000

ADCB Touchpoints Gold and Titanium Credit Card

  • Applicant must be a UAE National or resident
  • Minimum monthly salary – AED 8,000
  • Minimum age requirement - 21 years

ADCB Lulu Platinum Credit Card

  • Applicant must be a UAE National or resident
  • Minimum age requirement - 21 years

ADCB Lulu Titanium Credit Card

  • Minimum age requirement - 21 years
  • Applicant must be a UAE National or resident

Documents Required to Apply for the ADCB Credit Card

To apply for an ADCB credit card, you would be required to submit the following documents -

  1. Emirates ID (original and a copy) 
  2. Passport and Visa copy (for expatriates)
  3. Previous months’ bank statements 
  4. Pay slips or salary certificate  

Factors Affecting ADCB Credit Card Eligibility

Given below is a list of some crucial factors that affect the eligibility of ADCB credit cards in the UAE:

  1. Age - Abu Dhabi Commercial Bank has specific age requirements for approval for the credit card, with applicants required to be at least 21 years old to be considered eligible 
  2. Source of Income - To qualify for the credit card of your choice, having a salary that matches the minimum salary requirements for the card is necessary. Other than that, having a regular and stable income can generally boost the chances of getting your credit card application approved. 
  3. Existing Credit Card Performances - Getting approval for the ADCB credit card will be easier if you already have demonstrated proper management of previous or existing credit cards. When you properly manage your debts and dues, the bank assumes that you can exhibit similar punctuality in their repayment this time. 
  4. Credit Score - The credit score is a crucial factor when determining your eligibility. A good credit score indicates that you have efficiently repaid your debts and managed your finances. While each provider has different requirements concerning credit scores, most banks and financial institutions require a good credit score on the applicant’s part for approval.
  5. Credit and Debts - If you settle your credit bills only to a reduced amount or fail to pay your credit card bills, you can expect a negative impact on your credit score, which can hinder your prospects regarding ADCB credit card eligibility. Similarly, if you repay your debts without exceeding the due date, you will be able to demonstrate to the provider that you are a responsible borrower. This, in turn, can enhance your chances of getting approval for your ADCB credit card application. 

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Simple Ways to Improve ADCB Credit Card Eligibility

To improve your chances of fulfilling the ADCB credit card eligibility for your chosen card, here are some steps that you can follow for the same:

  1. Disclose All Income Sources - To fulfill the minimum income requirements while achieving a low debt-to-income ratio, you must reveal all the income sources to the bank at the time of application. However, you should make sure that you do not overstate your income sources, as any mismatch in the presented and the actual income may lead to an immediate rejection of your application.
  2. Pay Debts on Time - Repaying debts is vital if you want to improve ADCB credit card eligibility. If you pay all your debts and active credit card bills punctually, the bank will perceive you as a responsible borrower. Consequently, the bank may readily approve your credit card application (and provide lower interest rates as well).
  3. Reduce Credit Enquiries - Repeatedly making credit enquiries has a negative impact on your credit score, which, in turn, can negatively affect your application. Thus, while you should be punctual with repayments and financial obligations, it is advisable to check your credit score only once in a while.

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FAQs

Where should you use ADCB credit cards?

ADCB credit cards have a wide range of acceptance across the globe. They can be used domestically and internationally as well as offline and online for various expenditures.

What is the minimum salary criterion to apply for ADCB credit cards in UAE?

Several ADCB credit cards have a minimum salary requirement as low as AED 5,000. However, the minimum salary limit is different for each ADCB credit card.

How to redeem Lulu points?

Both primary and supplementary cardholders can redeem Lulu points on their card by making expenditures at Lulu Hypermarkets using their Lulu credit cards.

What happens if we don’t pay credit card minimum payment each month?

The bank may raise your account's interest rates, charge a penalty fee, or even cancel your credit card if you fail to make the minimum payments.

What is the interest rate for ADCB credit card?

The interest rate for most ADCB credit cards is 3.25% except for the Betaqti card, which has an interest rate of 2.5%. It should be kept in mind that interest rates may also vary as per several factors related to the applicant, their monthly income, and so forth.

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