# ADCB Free for Life Credit Cards

**Published:** 2025-05-22T07:34:49.443Z
**Updated:** 2026-07-30T16:31:49.246Z
**Author:** Tanvi Pathak
**Original Url:** https://www.paisabazaar.ae/credit-cards/articles/adcb-free-for-life-credit-cards/

Are you new to credit cards or a low-income earner looking for convenient credit options? ADCB free for life credit cards are just what you need. These cards have exceptional advantages for travel, dining, and shopping. All these benefits come without the hassle of paying any annual fees. Find out all about these credit cards here! ...read more

## An Overview of ADCB Free for Life Cards

ADCB offers over 15 credit cards across the UAE. These cards are designed to serve all categories of eligible individuals. One such category is low-income earners and those new to credit cards. ADCB free for life credit cards are ideal for them because there is no need to pay an annual membership fee to keep their card active. What’s beneficial is that despite having zero annual charges, these cards come with extensive perks on travel, shopping, dining, and more. 

## Most Popular Credit Card in UAE

Salary Range

Free for Life

### Cashback Credit Card

CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance

Minimum Salary:**5,000**

Annual Fee:**Free for Life**

5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining

Enjoy complimentary airport lounge access to over 25 lounges worldwide.

Cashback

### ULTRACASH Mastercard Touch Card

Valet ParkingBalance Transfer Facility0% Installment Plans

Minimum Salary:**10,000**

Annual Fee:**500**

Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates

10% cashback on Fuel for the first 3 months and 5% thereafter

Reward Points

### TouchPoints Visa Infinite Credit Card

Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan

Minimum Salary:**25,000**

Annual Fee:**1,050**

15,000 Bonus TouchPoints for spends of AED 15,000

VOX Cinemas Buy one get one FREE

  

## ADCB Free for Life Credit Cards- Key Features & Benefits 

The following is a list of all the ADCB free for life cards available in the UAE:

| Credit Card Name  | Minimum Salary Requirement  | Key Features | Apply |
| --- | --- | --- | --- |
| ADCB Essential Cashback Card | AED 5,000 | Earn 1% cashback on all purchases<br>Earn up to AED 70 cashback on movie tickets<br>4 complimentary access to more than 25 airport lounges across the globe<br>20% off on food and grocery deliveries on the Talabat app<br>50% discount on the Shahid VIP monthly package<br>Protection benefits include Purchase Protection and Credit Shield | View Offers |
| ADCB TouchPoints Titanium and Gold Credit Card  | AED 5,000 | Earn up to 0.5 TouchPoints for each AED 1 spent<br>Receive 5,000 TouchPoints as a bonus on spending AED 5,000 monthly<br>0% Interest Payment Plan for paying school fees<br>BOGO Vox movie ticket offer<br>Exclusive dining offers at 1400+ restaurants<br>20% off on food and grocery deliveries on the Talabat app<br>Unlimited access to more than 10 airport lounges globally<br>Discounts on Avis car rentals | View Offers |
| ADCB LuLu Titanium Card  | AED 5,000 | Earn up to 3.5 LuLu points for every AED 1 purchase<br>Earn 0.2 LuLu points on- Education<br>Fuel<br>Real Estate<br>Telecommunication<br>Transport<br>Government Services<br>Earn 0.4 LuLu points on- Supermarkets<br>Insurance<br>Quick Service Restaurants<br>Auto Dealers<br>0% Interest Payment Plan on school fee<br>Unlimited access to more than 10 airport lounges globally<br>Hundreds of BOGO offers across the Middle East and Africa<br>20% off on Talabat food and grocery deliveries | View Offers |
| ADCB LuLu Platinum Card  | AED 8,000 | Earn 8% LuLu Points on every AED 1 spent at LuLu stores<br>Earn up to 1.25% LuLu points per AED 1 spent<br>BOGO Reel movie ticket offer<br>0% Interest Payment Plan on school fee paymentEarn 0.2 LuLu points on- Education<br>Fuel<br>Real Estate<br>Telecommunication<br>Transport<br>Government Services<br>Earn 0.4 LuLu points on- Supermarkets<br>Insurance<br>Quick Service Restaurants<br>Auto Dealers<br>4 complimentary access to more than 25 airport lounges across the globe | View Offers |
| ADCB Talabat Card  | AED 5,000 | A welcome bonus of up to AED 750 on spending a minimum of AED 5,000 in the first 45 days<br>35% back on the first 10 orders on the Talabat app<br>Unlimited free deliveries on a minimum order value of AED 50 on all Talabat Pro orders<br>Up to 1.25% talabat credit on all retail purchases<br>BOGO movie ticket offers at Reel Cinemas<br>Complimentary 4 visits to more than 25 airport lounges<br>Discounts on Cleartrip and Booking.com | View Offers |

  

## Are You Eligible for an ADCB Free for Life Card?

To understand if you are eligible for free-for-life credit cards, refer to the general eligibility for [ADCB Credit Cards](https://www.paisabazaar.ae/credit-cards/adcb-credit-cards/) below-

| Eligibility Type  | Requirements  |
| --- | --- |
| Minimum Salary  | AED 5,000 |
| Minimum Age | 21 years  |

## Apply for an ADCB Free for Life Card via Paisabazaar.ae

You can quickly apply for an ADCB free for life credit card via Paisabazaar.ae – UAE’s largest banking aggregator. 

1.  Click here for the application form. 
2.  Complete the form with the correct details. 
3.  Use filters or manually locate ADCB cards. 
4.  Compare and select your preferred card.

**Here’s why Paisabazaar UAE is your go-to platform for card needs-** 

✨ A wide range of card options is available. 

✨ Compare and choose between similar cards. 

✨ Dedicated customer support team.

✨ Hassle-free application process. 

  

## ADCB Free for Life Cards- Fees 

The primary charges associated with the ADCB cards are tabulated below- 

| Type of Fees  | Charges  |
| --- | --- |
| Overlimit Fee  | AED 288.75 |
| Cash Advance Fee  | 3.15% or AED 105 (Whichever is higher)  |
| Late Payment Fee | AED 241.50  |
| Paper Statement Fee  | AED 5.25 |
| Duplicate Statement Fee  | AED 26.25 |
| Credit Shield Fee  | 1.0395% of the outstanding at the billing cycle  |
| Finance Charges (Instalment Plans/ Credit Card Loan/ Balance Transfer) | Up to 3.69% per month  |
| Finance Charges (Cash Advance) | 3.69% per month |
| Finance Charges (Retail Purchase)  | 3.69% per month  |

## FAQ's on ADCB Free for Life Credit Card in UAE

### Q1: Is there an ADCB card that offers amazing deals on food and groceries?

**Ans:** Most ADCB cards offer discounts on food and groceries. However, the ADCB Talabat card is exclusively for the high rewards Talabat offers. You get free and discounted deliveries every month when you place an order through the Talabat app.

### Q2: Is the ADCB 365 Cashback card free for life?

**Ans:** No, the card is free for the first year. An annual fee of AED 383.25 is charged from the second year onwards. 

### Q3: Do I get free access to airport lounges with the ADCB Essential Cashback card?

**Ans:** Yes, you can enjoy 4 complimentary visits to more than 25 airport lounges per year. 

### Q4: I missed my ADCB credit card payment. How much fee will I have to pay?

**Ans:** ADCB charges a late payment fee of AED 241.50.

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