With over 35 years of experience in the finance and banking industry, the Abu Dhabi Commercial Bank (commonly known as ADCB) is one of the top commercial banks and is the third-largest bank in the UAE.
Also Read: Opening a Bank Account in the UAE? Here’s What You Need to Know
The ADCB offers retail banking, commercial banking, Islamic banking, and other financial services such as various loan products and credit cards. In this post, we will detail all the important information you need about ADCB’s credit cards.
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Everything You Need to Know About the Best ADCB Credit Cards in the UAE – Types of Credit Card and Benefits
The Abu Dhabi Commercial Bank offers a wide array of conventional and Islamic credit cards that come with exclusive benefits and privileges. These cards have been designed based on the basic financial needs and requirements of various credit card applicants. Some cards have exclusive ADCB lounge access, no annual fee payments, ADCB credit card cash back offers,
Below are some ADCB Credit Card Types and their Benefits:
Etihad Guest Infinite Credit Card
Annual Fee: AED 2625 (AED 1312.50 for Excellency members)
Interest Rate/month: 3.25%
Benefits and Features
- Sign-up bonus: As a bonus for signing up, ADCB Etihad Guest Infinite Credit Card offers 60,000 Etihad Guest
- Etihad Guest Miles: Earn 2 Etihad Guest Miles for local travels, and earn additional 3 Etihad Guest Miles when the card is used for purchases with Etihad Airways and foreign purchases.
- Monthly Bonus: Earn up to 5,000 Etihad Guest Miles as a monthly bonus when your monthly purchases reach or exceed USD 5,000.
- Credit Card Shield (Takaful): receive card protection in case of critical illness or permanent disability, involuntary employment loss, as well as losses due to natural calamities. To avail of these benefits, you need to enroll in the Takaful program by paying a nominal monthly fee of 1.0395% of the entire outstanding amount. The maximum coverage offered in this card is AED 200,000.
- Credit Card Loan: Get cash against your available credit limit with a pay order and repay the amount in easy installments up to 24 months (max).
- Interest-Free Period: Enjoy an interest-free tenure of up to 55 days if you consistently pay your outstanding balance in full on or before its due.
Etihad Guest Signature Credit Card
Annual Fee: AED 1,050
Interest Rate/month: 3.25%
Benefits and Features
- Sign-up bonus: As a bonus for signing up, ADCB Etihad Guest Signature Credit Card offers 35,000 Etihad Guest
- Etihad Guest Miles: Earn up to 1.25 Etihad Guest Miles for local purchases and an additional 2 Etihad Guest Miles for foreign purchases and at Etihad Airways.
- Monthly Bonus: Receive 2,000 Etihad Guest Miles as a monthly bonus if your monthly purchases reach or exceed USD 2,000.
- Credit Card Shield (Takaful): Receive card protection in case of critical illness or permanent disability, involuntary employment loss, as well as losses due to natural calamities. To avail of these benefits, you need to enroll in the Takaful program by paying a nominal monthly fee of 1.0395% of the entire outstanding amount. The maximum coverage offered in this card is AED 100,000.
- Cash Loan: Get cash against your available credit limit with a pay order and repay the amount in easy installments of up to 24 months (max).
- Interest-Free Period: Enjoy an interest-free tenure of up to 55 days if you consistently pay your outstanding balance in full on or before its due.
Etihad Guest Platinum Credit Card
Annual Fee: AED 525
Interest Rate/month: 3.25%
Benefits and Features
- Sign-up bonus: As a bonus for signing up, ADCB Etihad Guest Platinum Credit Card offers 12,000 Etihad Guest
- Etihad Guest Miles: Earn 1 Etihad Guest Mile for local travels, and earn additional 1.25 Etihad Guest Miles when the card is used for foreign purchases and at Etihad Airways.
- Monthly Bonus: Earn up to 1,000 Etihad Guest Miles as a monthly bonus when your monthly purchases reach or exceed USD 1,000.
- Credit Card Shield (Takaful): receive card protection in case of critical illness or permanent disability, involuntary employment loss, as well as losses due to natural calamities. To avail of these benefits, you need to enroll in the Takaful program by paying a nominal monthly fee of 1.0395% of the entire outstanding amount. The maximum coverage offered is AED 200,000.
- Credit Card Loan: Get cash against your available credit limit with a pay order and repay the amount in easy installments up to 24 months (max).
- Interest-Free Period: Enjoy an interest-free tenure of up to 55 days if you consistently pay your outstanding balance in full on or before its due.
Betaqti Credit Card
Annual Fee: AE2,100
Retail Interest/month: 50%
Benefits and Features
- Welcome bonus: Enjoy up to 300,000 TouchPoints as a welcome bonus.
- Daily Rewards: Earn 3 TouchPoints for each AED spent.
- Anniversary Rewards: Earn up to:
- 750,000 TouchPoints with an annual spend of AED 500,000.
- 500,000 TouchPoints with an annual spend of AED 350,000.
- 250,000 TouchPoints with an annual spend of AED 250,000.
- Credit Card Loan: Get cash against your available credit limit with a pay order and repay the amount in easy installments up to 24 months (max).
- MasterCard World Elite Benefits
Traveller Credit Card
Annual Fee: AED 1,050
Retail Interest/month: 3.25%
Benefits and Features
- Discount on Air Tickets and Hotel Bookings: Get up to 20% off on hotel bookings using this card.
- ADCB Mobile Application: This provides cardholders better management and control of their transactions and maintaining spending limits through the use of their mobile phones.
- Minimum Due Amount: Pay as little as 5% of your outstanding amount every month, carrying forward the outstanding balance to the billing cycle for the next month.
- Credit Card Shield (Takaful): receive card protection in case of critical illness or permanent disability, involuntary employment loss, as well as losses due to natural calamities. To avail of these benefits, you need to enroll in the Takaful program by paying a nominal monthly fee of 1.0395% of the entire outstanding amount. The maximum coverage offered is AED 200,000.
- Credit Card Loan: Get cash against your available credit limit with a pay order and repay the amount in easy installments up to 24 months (max).
- No Interest Balance Transfer: Avail this feature within 90 days of registration of the card along with the flexible terms for easy repayment through monthly installments up to 24 months (maximum).
TouchPoints Infinite Credit Card
Annual Fee: AED 1,050 (AED 525 for Excellency Members)
Retail Interest/Month: 3.25%
Benefits and Features
- Visa Benefits: Enjoy the various attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
- ADCB Mobile Application: This provides cardholders better management and control of their transactions and maintaining spending limits through the use of their mobile phones.
- Minimum Due Amount: Pay as little as 5% of your outstanding amount every month, carrying forward the outstanding balance to the billing cycle for the next month.
- Credit Card Shield (Takaful): receive card protection in case of critical illness or permanent disability, involuntary employment loss, as well as losses due to natural calamities. To avail of these benefits, you need to enroll in the Takaful program by paying a nominal monthly fee of 1.0395% of the entire outstanding amount. The maximum coverage offered is AED 200,000.
- School Fee Payments: Pay for your child’s school and college fees in monthly installments with zero interest rates for a maximum of 12 months.
- Credit Card Loan: Get cash against your available credit limit with a pay order and repay the amount in easy installments up to 24 months (max).
TouchPoints Platinum Credit Card
Annual Fee: AED 630 (Waived for the first year)
Interest Rate/month: 3.25%
Benefits and Features
- Visa Benefits: Enjoy the various attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
- ADCB Mobile Application: This provides cardholders better management and control of their transactions and maintaining spending limits through the use of their mobile phones.
- Minimum Due Amount: Pay as little as 5% of your outstanding amount every month, carrying forward the outstanding balance to the billing cycle for the next month.
- Credit Card Shield (Takaful): receive card protection in case of critical illness or permanent disability, involuntary employment loss, as well as losses due to natural calamities. To avail of these benefits, you need to enroll in the Takaful program by paying a nominal monthly fee of 1.0395% of the entire outstanding amount. The maximum coverage offered is AED 200,000.
- School Fee Payments: Pay for your child’s school and college fees in monthly installments with zero interest rates for a maximum of 12 months.
- TouchPoints Rewards Program: Earn 5 TouchPoints for each AED spent and up to 5,000 TouchPoints as a bonus on spending AED 5,000 every month.
TouchPoints Titanium / Gold Credit Card
Annual Membership Fee: None
Retail Interest/month: 3.25%
Benefits and Features
- Visa and MasterCard Benefits: Enjoy the various attractive lifestyle experiences and privileges from dining to golf to shopping and many others.
- Minimum Due Amount: Pay as little as 5% of your outstanding amount every month, carrying forward the outstanding balance to the billing cycle for the next month.
- Credit Card Shield (Takaful): receive card protection in case of critical illness or permanent disability, involuntary employment loss, as well as losses due to natural calamities. To avail of these benefits, you need to enroll in the Takaful program by paying a nominal monthly fee of 1.0395% of the entire outstanding amount. The maximum coverage offered is AED 200,000.
- School Fee Payments: Pay for your child’s school and college fees in monthly installments with zero interest rates for a maximum of 12 months.
- TouchPoints Rewards Program: Earn 5 TouchPoints for each AED spent and up to 5,000 TouchPoints as a bonus on spending AED 5,000 every month.
LuLu Platinum Credit Card
Annual Fee: No annual fee
Retail Interest/Month: 3.25%
Benefits and Features
- ADCB Mobile Application: This provides cardholders better management and control of their transactions and maintaining spending limits through the use of their mobile phones.
- Minimum Due Amount: Pay as little as 5% of your outstanding amount every month, carrying forward the outstanding balance to the billing cycle for the next month.
- Credit Card Shield (Takaful): receive card protection in case of critical illness or permanent disability, involuntary employment loss, as well as losses due to natural calamities. To avail of these benefits, you need to enroll in the Takaful program by paying a nominal monthly fee of 1.0395% of the entire outstanding amount. The maximum coverage offered is AED 200,000.
- Credit Card Loan: Get cash against your available credit limit with a pay order and repay the amount in easy installments up to 24 months (max).
- LuLu Points: Earn up to 5 LuLu points for each AED spent at a LuLu store. For other purchases, you can earn up 1.25 LuLu points for each AED. 5,000 LuLu Points can be converted into a voucher worth AED 50.
LuLu Titanium Credit Card
Annual Fee: No Annual Fee
Retail Interest/month: 3.25%
Benefits and Features
- ADCB Mobile Application: This provides cardholders better management and control of their transactions and maintaining spending limits through the use of their mobile phones.
- Minimum Due Amount: Pay as little as 5% of your outstanding amount every month, carrying forward the outstanding balance to the billing cycle for the next month.
- Credit Card Shield (Takaful): receive card protection in case of critical illness or permanent disability, involuntary employment loss, as well as losses due to natural calamities. To avail of these benefits, you need to enroll in the Takaful program by paying a nominal monthly fee of 1.0395% of the entire outstanding amount. The maximum coverage offered is AED 200,000.
- Credit Card Loan: Get cash against your available credit limit with a pay order and repay the amount in easy installments up to 24 months (max).
- LuLu Points: Earn up to 5 LuLu points for each AED spent at a LuLu store. For other purchases, you can earn up 1.25 LuLu points for each AED. 5,000 LuLu Points can be converted into a voucher worth AED 50.
How to Apply for an ADCB Credit Card in the UAE
Now that you have seen a variety of credit cards offer by ADCB, the next step is to apply for one. There are several ways for you to apply for a credit card from ADCB. You may apply online, visit the bank, or call your bank’s hotline number(s).
For online application, you just have to visit the ADCB’s official website where you can click your credit card of choice to know more about its features, benefits, and requirements. Once you’ve decided on which credit card to get, simply click on the ‘Apply’ button, fill in the required details, submit your application and wait for the bank officials to verify the information you provided. Based on the eligibility criteria of the applicant, they will decide whether you will get the credit card or not.
Either way, you may also opt to visit your bank and fill out an application form on-site or contact the bank to help you apply for a credit card of your choice.
What are the Documents Needed to Apply for a Credit Card?
- Passport (for non-citizens)
- UAE Residence Visa (for non-citizens)
- Emirates ID
- Salary Certificate
- 3-6 months’ bank statements
- Proof of Billing/Address (Utility Bills)
- A trade license (for self-employed individuals)
How to Pay ADCB Credit Card Bill in the UAE
To keep things and easy and convenient for ADCB credit cardholders, it is offering several payment channels for its credit cardholders. You can choose to pay your credit card bill online, or payment via Mobile banking app or via over-the-counter option:
- ADCB Personal Internet Banking: To access this service, simply click the “Credit Card Payment” option under the “Islamic Credit Card” menu to pay for your credit card balance.
- Mobile Banking App: In your ADCB Mobile Banking App, select the credit card that you wish to pay for under the “Manage your Credit Cards” tab.
- Over-the-Counter Payment/ATMs with a cash deposit facility
- Enroll your card under the ADCB’s auto-debit Program: Set up auto-debit instructions to make payments from an ADCB Islamic Banking Current or Savings Account. To activate the auto-debit feature, you may call 600 562626 or visit the nearest ADCB branch.
Alternatively, you can also make payments at ENOC/EPPCO, Al Ansari Exchange, or at LuLu Exchange branches.
Note: There is a small transaction fee of AED 5 per payment transaction for bill payments through partner payment locations such as exchange houses and ENOC/EPPCO locations.
ADCB Contact Information
Address: Abu Dhabi Commercial Bank Building, Sheikh Zayed street, P.O. Box: 939, Abu Dhabi, United Arab Emirates
Website: https://www.adcb.com/
Email: customercare@adcb.com
ADCB Credit Card Customer Care Number:
- Betaqti Credit Card: +971 600555000
- Traveller Credit Card: +971 600502030
- TouchPoints Infinite Credit Card: +971 600502030
- TouchPoints Platinum Credit Card: +971 600502030
- ADCB Lulu Platinum Credit Card: +971 600508008
- Lulu Titanium Card: +971 600502030
- ADCB Lulu Standard Credit Card: +971 600502030
- Etihad Guest Above Gold Credit Card: +971 600502030
- Etihad Guest Above Platinum Credit Card: +971 600502030
Credit cards do not only offer perks or freebies for travel or leisure activities for members. As you have seen in the overview of the features of each ADCB credit card, benefits now include special rewards for purchases and even options to pay for other necessities such as schooling fees and insurance coverage.
And where convenience equates necessity, a credit card is something that you need to look into, and ADCB has a wide variety of options you can choose from based on your lifestyle and needs. If you wish to request for more information regarding any of ADCB’s credit cards, you may reach them through their customer hotline or via email at customercare@adcb.com.
Have you applied for a credit card in the UAE yet? Among the various features offered by ADCB, which ones are you most interested in your credit card? Let us know what you think by writing in the comments section below!
ALSO READ: Opening a Bank Account in the UAE? Here’s What You Need to Know
