ADCB Credit Cards in UAE
Credit Bureau Consent, Welcome Offer & General Terms & Conditions
I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Marino, San Marino, Vatican and Isle of man. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals. Find your nearest Citi branch: www.findmyciti.com/ae/. Call us at: +971 4 311 4000.
Address: Citibank UAE, P.O. Box 749, Dubai, United Arab Emirates.

ADCB Credit Card Details | |
---|---|
Minimum Salary | AED 5000 - AED 40,000 |
Annual Fees | AED 0 - AED 2625 |
Cashback | Yes |
Balance Transfer | Yes |
Interest rate | 3.25% |
ADCB Credit Card Offers |
|
Top ADCB Credit Cards | ADCB Touchpoints Infinite Credit Card ADCB Lulu Platinum Credit Card ADCB Touchpoints Platinum Credit Card ADCB Traveller Credit Card |
Features of ADCB Credit Card
- High discounts on travel bookings
- Get discounts on careem rides and movie tickets
- Get ADCB TouchPoints on every AED spent using the card
- Can use Lulu credit card and avail Luu Hypermarket Offers
- The annual fee ranges from AED 0 - AED 2.6K
- Can set card spending limit using ADCB mobile app
- Interest rate of 3.25% is charged
- Foreign currency transactions will be charged from 0% - 2.99%
Eligibility Criteria of ADCB Credit Card
- Minimum salary range from AED 5K-40K depending on the type of card.
- Minimum age of 21 years is required
- Both UAE Nationals and Expats are eligible
Documents Required of ADCB Credit Card
- Salary Certificate/Salary transfer letter (Salaried individuals)
- Emirates ID
- UAE Residence Visa(For Expats)
- 3-6 months bank statements
- Address Proofs(Utility bills)
- Passport (Expats)
- Trade licence(Self employed individuals)
ADCB Credit Card Interest rates

14 ADCB Bank Credit Cards
LuLu Platinum Card

Overview
- Can get 5 Lulu points on every AED spent at lulu hypermarket
- Can get 1.25 Lulu points on every AED spent anywhere
- Can redeem Lulu points at Lulu hypermarket
Overview
- Can get 5 Lulu points on every AED spent at lulu hypermarket
- Can get 1.25 Lulu points on every AED spent anywhere
- Can redeem Lulu points at Lulu hypermarket
- AED 50 voucher is provided on getting 5000 lulu points
- 3 free access to selected airport lounges can be availed
- Guests accompanied to the airport lounges will be charged AED 27
- Can avail Buy 1 - Get 1 free offer at selected restaurants, spas, etc.
- Can get a cash loan for low-interest rates
- Can convert payments to easy payment plan on no interest charged
Islamic Classic Card

Features
- You can pay your utility bills, through your internet banking 24 hours a day
- Avail pay order against your credit limit of your card.
- Get the option of fast pay by paying your credit card bill at one of ADCB’s 50 branches
Features
- You can pay your utility bills, through your internet banking 24 hours a day
- Avail pay order against your credit limit of your card.
- Get the option of fast pay by paying your credit card bill at one of ADCB’s 50 branches
- Avail Islamic credit shield (Takaful) by paying a nominal fee.
- You can avail 50 ADCB Branches, at 38 select ATMs from our network of Over 300 ATMS, ENOC/EPPCO, at 55 Al Ansari Exchanges or at over 50 UAE Exchange Centre Branches.
- This card also insures the Cardholder against risk of death by any cause for up to AED 100,000.
- A monthly fee of AED 105 is charged
- This card is no more available for new applicants.
Benefits
- You can also avail cash with your available credit limit with a pay order
- Avail convenient payment options like ‘Internet banking’, ‘Mobile banking app’ or through any of ADCB’s branches or ATMs to deposit cash.
- You can now pay your Credit Card bills at any one of over 50 ADCB Branches, at 38 select ATMs from our network of Over 300 ATMs, ENOC/EPPCO, at 55 Al Ansari Exchanges or at over 50 UAE Exchange Centre Branches.
- Pay as little as 5% of your outstanding amount each month, and carry forward the outstanding amount balance to the next billing cycle.
- Can earn 0.5 touchpoints on every AED spent using the card
- Can avail fast pay option and pay credit card bill at ease
- Provides Takaful Credit Shield at nominal rates
- Provides supplementary cards
Lulu Titanium Card

Overview
- Can get 3.5 Lulu points on every AED spent at lulu hypermarket
- Can get 1 Lulu points on every AED spent anywhere
- Can redeem Lulu points at Lulu hypermarket
Overview
- Can get 3.5 Lulu points on every AED spent at lulu hypermarket
- Can get 1 Lulu points on every AED spent anywhere
- Can redeem Lulu points at Lulu hypermarket
- AED 50 voucher is provided on getting 5000 lulu points
- Free access to selected airport lounges can be availed
- Guests accompanied to the airport lounges will be charged AED 32
- Can avail Buy 1 - Get 1 free offer at selected restaurants, spas, etc.
- Can get a cash loan for low-interest rates
- Can convert payments to easy payment plan on no interest charged
Islamic Gold Card

Overview
- Can earn 0.75 touchpoints on every AED spent using the card
- Can avail fast pay option and pay credit card bill at ease
- Provides Takaful Credit Shield at nominal rates
Overview
- Can earn 0.75 touchpoints on every AED spent using the card
- Can avail fast pay option and pay credit card bill at ease
- Provides Takaful Credit Shield at nominal rates
- Provides supplementary cards
- Can get a cash advance on the credit limit provided
- This card is not available for new customers. Existing cardholders can avail the benefits
TouchPoints Titanium Credit Card with MyChoice*

Overview
- No annual fees are charged life long
- Free movie tickets can be availed at VOX cinemas
- Can get up to 2
Overview
- No annual fees are charged life long
- Free movie tickets can be availed at VOX cinemas
- Can get up to 2
- Can pay school fees using easy payment plan on 0% interest rate
- Can get bonus touchpoints of 5000 on spending AED 5000 using the card in a month
- Touchpoints can be redeemed for shopping, lifestyle benefits, skywards miles, Etihad Guest miles, etc.
- Can get up to 25% off on dining at selected restaurants
- Can avail Buy 1 - Get 1 free offer at selected restaurants, spas, etc.
- Can get unlimited free access to airport lounges
- Can get up to 20% off on careem rides
- Can avail the auto-payment facility to pay bills
Islamic Platinum Card

Overview
- Can earn 1 touchpoint on every AED spent using the card
- Can avail fast pay option and pay credit card bill at ease
- Provides Takaful Credit Shield at nominal rates
Overview
- Can earn 1 touchpoint on every AED spent using the card
- Can avail fast pay option and pay credit card bill at ease
- Provides Takaful Credit Shield at nominal rates
- Provides supplementary cards
- Can get a cash advance on the credit limit provided
- Can get free access to airport lounges
- This card is not available for new customers. Existing cardholders can avail the benefits
Business Platinum Credit Card

Benefits
- Get 1% cashback on purchases made for business
- Get complimentary access to airport lounges
- Get up to 25% off on dining at selected restaurants
Benefits
- Get 1% cashback on purchases made for business
- Get complimentary access to airport lounges
- Get up to 25% off on dining at selected restaurants
- Can get loan on credit card for low interest rates
- Can avail buy 1 get 1 free offers at spa, restaurants, etc
Etihad Guest Above Platinum Card

Features
- You can use your Etihad Guest Above Credit for convenient utility bill payment effortlessly. You can also avail online banking or through mobile banking anytime to pay your bills.
- Transfer your outstanding balance to your ADCB Etihad Above Gold Credit card at very low interest rates.
- You can split your everyday transactions made on this card and pay in easy instalments of 6,9,12,18 or 24 months.
Features
- You can use your Etihad Guest Above Credit for convenient utility bill payment effortlessly. You can also avail online banking or through mobile banking anytime to pay your bills.
- Transfer your outstanding balance to your ADCB Etihad Above Gold Credit card at very low interest rates.
- You can split your everyday transactions made on this card and pay in easy instalments of 6,9,12,18 or 24 months.
- Can also avail credit card loan by simple calling any near by branch and receive a cheque at your doorstep. You can also pay the amount in Instalments of 6,9,12,18 or 24 months.
- You can receive purchase protection this card for whole 90 days anywhere in the world.
- You can subscribe to a life insurance plan that covers natural death, accidental death and disability.
- Your Etihad Guest above platinum Credit card also provides immediate medical and legal referral assistance, you and your family, when travelling together outside your principal country.
- Your Etihad Guest Above credit card also provides you with credit shield by paying a nominal fee.
- 0% Installment Payment Plan from selected merchants.
- 25 days of interest free period and minimum payment of 5% or 100 AED which ever is higher
- You need a minimum salary of AED 15,000 to avail this card.
- For Non EMI plans balance transfers for 9 and 12 months are at a rate of 0.49%
Benefits
- Get 3 complimentary lounge access at airports of various cities you would love to travel.
- You can play free golf at one of the finest golf courses in Abu Dhabi.
- As a privileged member of this card you can receive 2 complimentary airport transfers in a calendar year.
- Provides credit shield on nominal rates
- Can get up to 15% OFF at Yas Waterworld, Ferrari World, and Warner Bros
- Can avail balance transfer facility at low rates
- Can convert regular payments to Easy Installment Plan
- Provides interest-free days for 55 days
TouchPoints Platinum Credit Card with MyChoice*

Overview
- No annual fees are charged in the first year
- Can pay school fees using easy payment plan on a 0% interest rate
- 1 Touchpoint per 1 AED spent using the card
Overview
- No annual fees are charged in the first year
- Can pay school fees using easy payment plan on a 0% interest rate
- 1 Touchpoint per 1 AED spent using the card
- Can get bonus touchpoints of 10000 on spending AED 10,000 using the card in a month
- Touchpoints can be redeemed for shopping, lifestyle benefits, skywards miles, Etihad Guest miles, etc.
- 18 touchpoint = 1 Skywards Mile and 14 touchpoints = 1 Etihad Guest Mile
- Can get up to 25% off on dining at selected restaurants
- Can avail Buy 1 - Get 1 free offer at selected restaurants, spas, etc.
- Can get free access to golf clubs on spending minimum AED 5000(pm)
- Can get unlimited free access to airport lounges
- Can avail the auto-payment facility to pay bills
Etihad Guest Signature Credit Card

Features
- Can earn high Etihad guest miles and tier miles
- Redeem Etihad miles for flight ticket discounts, upgrades and travel privileges
- Provides lifestyle and dining benefits
Features
- Can earn high Etihad guest miles and tier miles
- Redeem Etihad miles for flight ticket discounts, upgrades and travel privileges
- Provides lifestyle and dining benefits
- Interest rate charged on retail purchases is 3.25%
- A minimum salary of AED 20,000 is required
Benefits
- Earn 35,000 Etihad guest miles as sign up bonus
- Earn 1.25 Etihad guest miles per 1 USD spent on domestic purchases
- Earn 2 Etihad guest miles per 1 USD spent on international purchases
- Earn 2 Etihad guest miles per 1 USD spent on Etihad Airways bookings
- Earn 0.33 Etihad guest miles per 1 USD spent on utility bill payments, supermarkets, education, government services
- Can earn monthly bonus miles on spending USD 2000 using the card
- Earn 1 Tier mile per 1 USD spent on any local and international purchases
- Automatic upgrade to Etihad Guest Silver Tier membership on earning 18,000 tier miles within 6 months of card activation or taking two return Etihad airways flights within 6 months of card activation
- 2 free airport chauffeur rides
- Free access to airport lounges worldwide
- 12% off on hotel bookings made with Agoda.com
- 8% off on hotels.com
- Multi-trip travel insurance cover is provided
- Exclusive privileges on Visa luxury hotel collection
- Free golf clubs access
- 2-for-1 deals on Visa MENA app
- Up to 30% off on dining and shopping at selected stores
- 10%-15% off at Yas Waterworld and Ferrari World Abu Dhabi
- Can aval 0% Easy Payment Plan(EPP) option
- Can avail balance transfer on zero interest rates
Traveller Credit Card

Overview
- Can get 20% off at cleartrip.ae
- Can get 20% off hotels.com
- Unlimited access to airport lounges is provided
Overview
- Can get 20% off at cleartrip.ae
- Can get 20% off hotels.com
- Unlimited access to airport lounges is provided
- No interest rates are charged on international transactions made
- Can get up to 6 free hotel night stays vouchers
- High discounts at Starwood Hotels and Resorts
- Free travel insurance
- Free access to golf clubs
- Can avail Buy 1 - Get 1 free offer at entertainment and leisure
- Can get 2 touchpoints on every 1 AED spent
Touchpoints Infinite Card

Overview
- Excellency customers can get a discount on the annual fees
- Free gift voucher from hotels.com is provided
- Can get free movie tickets, beverages, etc.
Overview
- Excellency customers can get a discount on the annual fees
- Free gift voucher from hotels.com is provided
- Can get free movie tickets, beverages, etc.
- Can get up to 4 movie tickets for free per month
- Can pay school fees using easy payment plan on a 0% interest rate
- Earn 1.5 Touchpoints per 1 AED spent using the card
- Can get bonus touchpoints of 15000 on spending AED 15,000 using the card in a month
- Touchpoints can be redeemed for shopping, lifestyle benefits, skywards miles, Etihad Guest miles, etc.
- Can avail Buy 1 - Get 1 free offer at selected restaurants, spas, etc.
- Can get free access to golf clubs on spending minimum AED 5000(pm)
- Can get unlimited free access to airport lounges
- Can avail the auto-payment facility to pay bills
Betaqti Credit Card

Features
- Provides movie discounts and offers
- Can avail lifestyle benefits
- Can get access to airport lounges
Features
- Provides movie discounts and offers
- Can avail lifestyle benefits
- Can get access to airport lounges
- Get free beverages at coffee houses
- Can earn touchpoints
- Only UAE nationals are eligible
- Interest rate charged is 2.50%
- AED 5000 is the minimum salary required
Benefits
- Earn 300,000 touchpoints as sign up bonus
- Earn 3 touchpoints per 1 AED spent using the card
- Can redeem touchpoints for shopping, lifestyle, Etihad guest miles, Emirates Skywards miles
- Avail Buy 1 - Get 1 free offer on movie tickets at Vox cinemas
- Get 20% off on food and beverages at VOX Cinemas
- Free access to Gold’s Gym clubs in the UAE
- Free U By Emaar Platinum Tier membership and avail exclusive privileges like 30% off on dining, Dubai opera tickets, 20% off on spa and much more
- Buy 1 - Get 1 free coffee at Caribou Coffee
- Get up to 15% off at Yas Waterworld, Ferrari World, etc
- Get 20% off on 3 chauffeur rides with Careem
- Free access to airport lounges
- Free nights at Marriot Bonvoy™ participating hotels
- Get up to 25% off on renting a car at Avis Car rentals
- Free travel insurance is provided
Etihad Guest Infinite Card

Overview
- Earn 50,000 Etihad Guest Miles as a welcome bonus
- Can get 25,000 Etihad Guest Miles on the anniversary of your card
- Earn up to 3 guest miles on every 1 USD spent using the card
Overview
- Earn 50,000 Etihad Guest Miles as a welcome bonus
- Can get 25,000 Etihad Guest Miles on the anniversary of your card
- Earn up to 3 guest miles on every 1 USD spent using the card
- Provides credit shield on nominal rates
- Provides life insurance to the cardholder
- No annual fees are charged
- Can get up to 15% OFF at Yas Waterworld, Ferrari World, and Warner Bros
- Can avail balance transfer facility at low rates
- Can convert regular payments to Easy Installment Plan
- Provides interest-free days for 55 days
ADCB Credit Card Benefits
- Purchase protection and travel insurance are provided
- Exclusive credit cards for self employed individuals in the UAE
- 1% cashback on using ADCB Business Card
- Complimentary access to golf clubs
- Offers on Mastercard Buy 1 Get 1 free app
- Can get up to 15000 touchpoints as a monthly bonus
- Can get up to 1.5 touchpoints on every 1 AED spent using Touchpoints cards
- Can earn up to 3 Etihad guest miles on Etihad Guest Above cards
- On using Lulu cards, can earn up to 5 Lulu points on every 1 AED spent
- Can redeem lulu points for Lulu Hypermarket Offers
Travel
- Get 20% off on flight and hotel bookings made through Cleartrip
- Complimentary access to more than 850 airport lounges worldwide
- Can get airport transfers as complimentary
- Can avail upgrade vouchers that will upgrade your flight tickets to a higher class
- Get complimentary night stays on bookings made at Hotels.com using ADCB Traveler Card
- Can get up to 12% OFF on hotel bookings made at agoda.com using Touchpoints cards
Dining
- Several places like French Bakery, Al Andalus Restaurant, Al Faya Restaurant, Arabesk Restaurant and more than 1000+ dining places offer 10% - 50% discount on the usage of ADCB Card in UAE
- Can get free food items on your regular puchases at KFC, Hardees, Pizza Hut, etc.
- Can avail Buy 1 - Get 1 Free offers at several food outlets on Mastercard Buy 1 - Get 1 free app
Jewellery
- Can avail 0% Installment plan on jewellery purchases made at JoyAlukkas, GRT, Damas, Kalyan Jewellers, and other 15+ jewellers using ADCB Card
- Can gain ADCB TouchPoints for every AED spent on jewellery purchase using the card in UAE
Shopping
- Can convert payments to 0% EPP at Amazon.ae, Awok.ae, Angels, Carrefour, Homecentre, etc.
- Can get 10%-15% off at German Experts Car Maintenance, Classic Furniture and several other outlets
- Can convert payments above AED 500 at Yas waterworld and ferrari world to 0% EPP
- Get exclusive offers at Lulu Hypermarket
Entertainment and leisure
- Can avail Buy 1 - Get 1 free offer on movie tickets
- 20% discount on movie tickets at Roxy Cinemas, UAE on using ADCB Card. This is valid until Sept 30, 2020
- Avail 10-15% discounts on entry tickets, merchandise, food and beverages and much more benefits at Ferrari World Abu Dhabi. Offer lasts till 19th December 2023
- At Yas Waterworld and Ferrari World, get 15% off entry tickets and discounts on food, merchandise, etc.
- Get access to all the airport lounges globally using ADCB TouchPoints Infinite Card
- Get 15% discount at Warner Bros World on using the card to purchase the tickets
Frequently Asked Questions
⭐ What is the purpose of touchpoints?
A. You get touch points each time you use your card and redeem those at supermarkets, fuel stations, dining, travel purchases etc.
⭐ Can I transfer my touchpoints to someone else?
A. No. You can’t transfer your touch points to anyone.
⭐ Can I avail airport lounge benefits anywhere?
A. Yes. You can get access to airport lounges globally.
⭐ Are there any specific cards for business purpose?
A. Yes, Particularly for business purpose ADCB has designed Business Credit card.
⭐ What are the traveling benefits provided?
A. You can get many benefits right from the discounts on tickets, hotel bookings to lounge access and much more.
⭐ What are the benefits I can get from LuLu Credit card?
A.LuLu Credit cardis specially meant for LuLu shoppers and get LuLu Points each time you use it LuLu Hypermarket, Al Falah stores, and Emirates general stores.
⭐ Are there any processing charges on using the card outside UAE?
A. No, 0% processing fees on using the card outside UAE.
⭐ What is the minimum purchase to be made to avail movie ticket discounts?
A. There is no minimum purchase required to avail discounts on movie tickets.
⭐ Can supplementary cardholders avail airport lounge benefits?
A. Yes. Supplementary cardholders are eligible to get complimentary access to airport lounges.
⭐ What are the offers provided on ADCB credit card?
A. Check here for the list of ADCB credit card offers
⭐ What are the annual fees charged?
A. There are primary credit cards that are provided on zero annual fees, while on some the minimum annual fees charged is AED 208. On the supplementary cards, annual fees of AED 103.95 is charged.
⭐ How do I contact ADCB?
A. You can contact ADCB through various ways. VisitADCB Customer Care for details.
⭐ Where can Lulu points redeemed at?
A. Lulu points can be redeemed for Lulu hypermarket offers and rewards.
About ADCB
Abu Dhabi Commercial Bank (ADCB), features in the Forbes list of top 1000 biggest public companies. It provides retail, commercial, Islamic banking and other financial services to people. Founded in 1985 and headquartered in Abu Dhabi, UAE, the bank operates on five strategic pillars:
- UAE-centric approach with controlled internationalization
- Sustainability through growth of liabilities
- Culture of efficiency and service excellence
- Follow a pre-defined risk strategy
- Focuses on staff
ADCB offers three categories of services:
- Aspire
- Privilege Club
- Excellency
The services and charges vary depending on the category in which you choose to bank with them.
Get in touch with ADCB Customer Care
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