ADCB SimplyLife Credit Card in UAE

Minimum Salary

Interest Rate

Loan Amount

Reducing Rate

Eligibility

  • You must be at least 18 years of age to apply for a credit card.
  • Both UAE residents and non-residents can apply.

Documentation

Apart from the application form, some basic documents are needed, like:

  • A copy of valid Passport (with residence visa for Expatriates and page 60 for UAE Nationals both valid for 30 days at the time of approval of the card).
  • Copy of the Labor Card/Government issued photo ID (self-attested by the applicant).
  • Valid Emirates ID/copy of EIDA application form.
  • Salary certificate (Current )/latest pay slip.
  • Past 3 months active bank account statements.

Benefits

Here is a list of ADCB SimplyLife Credit Card benefits:

Cashback credit card

  • 1.5% cashback on all transactions made using the card. The minimum monthly spend requirement is AED 1000 and the maximum monthly cash back limit is AED 1000.
  • Zero annual fees.
  • ReadyMoney facility - UAE's first credit card money transfer solution.
  • Get free access to the Marhaba lounges at Terminals 1, 2 and 3 of the Dubai International Airport and the terminal in Al Maktoum International Airport.
  • Get free access to the Diamond lounge at VIP terminal of the Abu Dhabi International Airport.
  • You can pay your ADCB SimplyLife credit card bills through any of their branches and select ATMs across the UAE free of charge. These bills can also be paid for a nominal fee at Al Ansari Exchange, UAE Exchange, Lulu Exchange branches and ENOC/EPPCO fuel stations.
  • Balance transfer facility available
  • Convert your purchases into 6, 9, 12, 18 or 24 month installments at low interest rates.
  • Loan against credit card available.

Family Credit Card

  • Free life insurance of up to AED 100,000 with the card. You can get additional critical illness cover and cover against involuntary loss of employment worth AED 50,000 with Simply Life Family Card Premium for an annual fee of AED 499 per annum.
  • Enjoy up to 5% discount on flight tickets, up to 10% discount on hotel stays and up to 15% discount on local entertainment for bookings made on cleartrip.com.
  • 50% discount on movie tickets when booked online or through the Vox Mobile App across all VOX Cinema outlets in the UAE.
  • Option to personalize your card with a photo of your choice.
  • ReadyMoney facility - UAE's first credit card money transfer solution.
  • You can pay your ADCB SimplyLife credit card bills through any of their branches and select ATMs across the UAE free of charge. These bills can also be paid for a nominal fee at Al Ansari Exchange, UAE Exchange, Lulu Exchange branches and ENOC/EPPCO fuel stations.
  • Balance transfer facility available.
  • Convert your purchases into 6, 9, 12, 18 or 24-month installments at low-interest rates.
  • Loan against credit card available.

FAQ

Q. What are the finance charges for ADCB SimplyLife Credit Cards?

A. The finance charges are 3.25% per month for retail purchases and 3.25% per month for a cash advance. [These are effective since April 15, 2016] For cash advances, there is an additional cash advance fee of 3% of the amount subject to a minimum of AED 50.

Q. What is the maximum tenure provided on 0% EPP?

A. The maximum tenure depends on the outlet you made your purchase which varies from 3-12 months.

Q. What is the maximum credit limit provided?

A. The maximum credit limit depends on the minimum salary of the credit card applicant.

Q. Can the credit limit be increased?

A. Yes, the credit limit can be increased for a limited time on paying AED 52.50 as temporary credit limit charges.

Q. What are the processing fees on converting regular payments to Easy Installment plan?

A. AED 52.50 is charged as processing fees on converting regular payments to easy payment plan.

Q. Can the photo on the credit card be replaced?

A. Yes, you can get the photo on the credit card replaced on paying AED 57.75 as replacement fees.

Q. Is it mandatory to get credit shield on the card?

A. No, credit shield for the credit card is mandatory.

ADCB SimplyLife Credit Card Offers (Updated in June 2018)

Dining

Offers for the following cuisines available at–

  • Indian – Gharana - Holiday Inn Al Barsha, Junoon - Shangri La Hotel, The Bombay, Kareem's Restaurant, Foodlands, Flavours of India, Zari Zardozi and Foodworld.
  • International – Pepper Restaurant, Cote Jardin, Brasserie On Zero Restaurant and Citrus.
  • American – Dairy Queen, Uturn Diner, and Easy Bites.
  • Arabic – Lemon Lounge Restaurant, Hubbly Bubbly-Holiday Inn, Dunes Delight, Resto, The Village Club, Wooden Bakery, and Al Fanar Restaurant & Café.
  • Cafés – Caramel Café - Novotel Al Bustan, Cafe Arabia, Rumours Café Lounge, Gérard Pâtisserie, Café De Baileys, Waves Restaurant, Steers, Cinnamon City Café & Restaurant and Blendz Café.
  • Italian – Al Dente Ristorante, Al Gusto Italiano, and 800 Pizza.
  • Asian – Silk Route Café.
  • Steakhouse – Choice Cut Steakhouse and Viewz Restaurant.
  • Mediterranean – Zaitouna.
  • Japanese – Sushi San.
  • SeaFood – Casa Samak Seafood Restaurant.
  • Finger Food – Burger House.
  • Lebanese – Marrakech.

Shopping

  • Get 1.5% cashback on utility spendings like electricity, water, power, etc.,
  • Get up to 1.5% cash back on using any Simply life credit card for fuel.
  • Shop at Joyalukkas and convert you payments to Easy Instalment plan on 0% interest. Offer lasts till June 30, 2018.
  • Can convert your purchases at any Apple store in UAE to 0% EPP. Offer lasts till October 31, 2019.

Leisure and Entertainment

  • Two movie tickets free for making a monthly purchase of AED 1500 using the SimplyLife credit card. No redemption process required. Simply buy the tickets and get cash back.
  • Get 15% off at Jood Spa. Offer lasts until November 30, 2018.
  • Get up to 20% off at Pulse Fitness Center, Dubai. Offer valid till November 30, 2018.
  • Get up to 33% off at Pharaohs Club, Dubai. Offer valid till November 30, 2018.
  • Get 20% off at Cleopatra’s Spa. Offer valid till November 30, 2018 .

Zero interest payment plan

SimplyLife credit cards come with a zero interest payment plan across various stores and outlets for purchases made in these sectors:

  • Automobiles
  • Electronics
  • Health and Wellness
  • Jewellery
  • Shopping
  • Travel and Hotels

ADCB SimplyLife

On April 14, 2014, the Abu Dhabi Commercial Bank [ADCB] announced the launch of ‘Simply Life’, a consumer finance brand offering simple and quick personal finance products to consumers in the UAE. Two months later, ADCB launched SimplyLife Credit Card in an effort to enhance the loan offers made by Simply Life.

There are two ADCB SimplyLife Credit Cards offered to consumers in the UAE:

  • SimplyLife Family credit card
  • SimplyLife Cashback credit card

Packed with numerous features, the credit cards offered by Simply Life ADCB have minimum documentation and no complications.