ADCB Credit Cards

Abu Dhabi Commercial Bank offers a diverse range of credit cards in the UAE. These cards are exclusively tailored to suit various financial needs and lifestyles. With exclusive benefits such as cashback, travel rewards, dining discounts, and shopping privileges, ADCB credit cards provide lifestyle convenience. ...read more

ADCB Credit Card in UAE
ADCB Credit Card

Apply Credit Card & get Cashback and Rewards*

  • Compare from top banks
  • No annual fee
  • Benefits up to AED 2,000
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Best credit cards with 0 Annual fee*

Dubai
Abu Dhabi
Sharjah
Ras Al Khaimah
Best ADCB Credit Cards

Cardholders can enjoy flexible payment options, high credit limits, and access to premium services, including complimentary airport lounge access and hotel discounts. Whether you are a frequent traveler, a savvy shopper, or a foodie, ADCB credit card offers customised solutions for your needs.

Apply ADCB Credit Card Online

ADCB Credit Card Benefits and Features

Tabled below are the top ADCB credit card benefits and privileges in the UAE: 

Card Name Minimum Salary Required Features/ Benefits Apply

Talabat ADCB Credit Card

AED 5,000

Welcome Bonus & Basic Benefits

  • A welcome bonus worth AED 750
  • Choose from 7 different card designs
  • Complimentary life cover with Credit Shield
  • Repay balances with the FlexiPay feature
  • Availability of the balance transfer facility
  • Take a credit card loan with zero interest rate and repay in 12 monthly instalments

Talabat Credit Points

  • 35% Talabat credit points on the first 10 Talabat orders per calendar month
  • 1.25% Talabat credit points on domestic and international retail purchases across the globe

Travel Benefits

  • Up to 8% discount on airfares, or hotel bookings with Cleartrip
  • Unlimited complimentary lounge access at over 25 Mastercard airport lounges across the globe
  • Up to 10% cashback on bookings with Booking.com
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ADCB LULU Titanium Credit Card

AED 5,000

Welcome Bonus & Basic Benefits

  • Earn up to 3.5 LULU points on each AED spent
  • Earn LULU points on multiple categories
  • 0% interest payment plan on school fee payment
  • Interest-free days in outstanding balance payment
  • Set up Auto Debit instructions
  • Credit Shield with complimentary life cover
  • Other features include:
    • FlexiPay
    • Instalment Payment Plans
    • Balance Transfer Facility
    • Credit Card Loan

Travel & Lifestyle Benefits

  • 20% off on Talabat food and grocery deliveries
  • ‘Buy 1 Get 1’ offers free deals on fine dining, premium spas, and more across the Middle East and Africa
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ADCB 365 Cashback Credit Card

AED 8,000

Welcome Bonus & Basic Benefits

  • Get a welcome bonus worth AED 365 on spending AED 5,000 within the first 45 days
  • 0% interest payment plan on school fees

Cashback Benefits

  • 1% cashback on retail purchases
  • 3% cashback on
    • Telecom
    • Fuel
    • Salik Payment
    • Utility Bill Payment
  • 5% cashback on groceries
  • 6% cashback on dining and online food orders

Lifestyle & Travel Benefits

  • ‘Buy 1 Get 1’ offer on VOX Cinemas movie tickets
  • 12% discounts on hotel accommodations with Visa Agoda
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Explore Exclusive Offers on ADCB Credit Cards

ADCB LULU Platinum Credit Card

AED 8,000

Welcome Bonus & Basic Benefits

  • Free for life card
  • 0% Interest Payment Plan on school fee payment

LULU Points

  • Up to 8% LULU points per AED 1 spent
  • Earn 0.2 LULU points upon paying for:
    • Fuel
    • Transport
    • Charity
    • Telecommunication
    • Real Estate
    • Government Services
    • Education
  • Earn 0.4 LULU points upon paying on:
    • Quick Service Restaurants
    • Insurance
    • Auto Dealer
    • Supermarkets

Travel and Lifestyle Benefits

  • 20% off on Talabat food and grocery deliveries
  • ‘Buy 1 Get 1’  free movie ticket at Reel Cinemas
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ADCB Etihad Guest Infinite Credit Card

 AED 30,000

Welcome Bonus & Basic Benefits 

  • 60,000 Etihad Guest Miles as welcome bonus
  • Get up to 3 Etihad Guest Miles 
  • per 1 USD
  • 0% interest on school fee payments

Travel Benefits 

  • Multi-trip travel insurance
  • Complimentary access to to over 1,200 airport lounges worldwide
  • Discounts on over 900 luxury hotels and resorts bookings 

Lifestyle Benefits 

  • Complimentary golf access
  • ‘Buy 1 Get1’ offer at Caribou Coffee
  • Accessibility of concierge service globally 
  • Up to 30% off on travel, shopping, entertainment, and more
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Are You Eligible for an ADCB Bank Credit Card?

The general eligibility criteria for ADCB cards are mentioned below:

Eligibility Type Criteria
Age Minimum 21 Years
Salary Minimum AED 5,000
Employment Status Salaried or Self-Employed
Nationality UAE Expat or UAE National
Credit Score As per the bank’s requirements

ADCB Credit Cards- List of Required Documents

Submit the given set of documents for card application verification:

For Salaried Individuals For Self-Employed Individuals
  • Emirates ID
  • Passport
  • Residence Visa (Applicable to Expatriates)
  • Income Proof- Salary Certificate/ Pay Slips
  • Latest 3-6 Months’ Personal Bank Statements
  • Emirates ID
  • Passport
  • Residence Visa (Applicable to Expatriates)
  • Trade Licence
  • Memorandum of Association (MoA)
  • Latest 3-6 Months’ Company Bank Statements

Note: The Bank may ask you to submit additional documents as per the requirement.

ADCB Credit Cards- Fees and Charges

The major fees and charges of ADCB credit cards are as follows:

Type of Fee Charges
Cash Advance Fee 3.69% per month
Over Limit Charge AED 288.75
Card Replacement Fee AED 78.75
Duplicate Statement Fee AED 26.25
Temporary Credit Limit Increase Fee AED 52.50
Minimum Payment Due 5% or AED 100 (whichever is higher)

📚Frequently Asked Questions

Q1: Which ADCB card doesn’t have annual fees?

Ans: Some of the top ADCB cards with zero annual charges are:

  • Talabat ADCB Credit Card
  • LULU Titanium Credit Card
  • LULU Platinum Credit Card
Q2: How to activate an ADCB credit card?

Ans: Activate your ADCB credit card via internet and mobile banking. For offline processes, either call the bank authorities or directly visit your nearest bank branch.

Q3: I want to increase my ADCB card limit for a few months. Does the bank charge any additional fee for increasing the limit?

Ans: Yes, a fee of AED 52.50 is charged for temporarily increasing a card limit.

Q4: Which ADCB cards offer complimentary lounge access?

Ans: Several cards provide complimentary lounge access, such as:

  • ADCB LULU Platinum Credit Card
  • ADCB LULU Titanium Credit Card
  • Talabat ADCB Credit Card
Q5: What is the minimum salary for an ADCB credit card in the UAE?

Ans: With a monthly salary of AED 5,000, you can apply for ADCB credit cards in the UAE. However, this is the minimum criteria. Actual salary requirement may go higher as per the specific card you’ve applied for.

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