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MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 525

  • Golf offers
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • 12,000 Welcome bonus Etihad guest Miles
  • Earn Etihad Guest Miles on all spends
  • 30% off at over 1,400 restaurants in the UAE
  • Benefits at Ferrari World & Yas Water World

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary.

Key Features

  • Get 12,000 Etihad Guest Miles on paying the first year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 spent locally
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Silver Tier membership
  • Complimentary upgrade voucher from Etihad Airways
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary Airport Chauffeur service (2 per year)
  • Complimentary Global Concierge service
  • Access to over 200 airport restaurant offers globally
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty on eligible purchases
  • Medical and legal referral services
  • Optional credit shield
  • Up to 12% off Agoda bookings
  • Dining and lifestyle discounts
  • Utility Bill payments
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 1 Etihad Guest Mile for every USD 1 spent locally.
  • Etihad Guest miles multiplier.
  • Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month.
  • Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment(60 days)
  • 1000 USD min spend monthly to get 1000 Etihad Guest Miles

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • No Annual Fee
  • Interest-free balance transfers
  • Redeem reward points instantly at Lulu
  • Benefits at Ferrari World & Yas Waterworld
  • Lulupoints can be redeemed with supplementary card

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn 5 LuluPoints on purchases made at Lulu and 1.25 LuluPoints on purchases made elsewhere for every 1 AED spent
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Redeem LuluPoints instantly while shopping at Lulu stores
  • Benefits at Ferrari World and Yas Waterworld Abu Dhabi
  • Optional Credit Shield
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Balance Transfer
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn LuluPoints

  • For every 1 AED spent earn 5 LuluPoints on purchases made at all Lulu stores in UAE.
  • For every 1 AED spent earn 1.25 LuluPoints on purchases made elsewhere subject to meeting a monthly spend goal of AED 3,500 (Lulu & elsewhere).
  • 5000 Lulupoints gives voucher worth AED 50.
  • Points can be redeemed instantly at the checkout counters of Lulu Hypermarket across UAE.
  • Can be redeemed for as low as 5000 Lulupoints & with supplementary card as well.

Things To Be Aware Of

  • Minimum monthly spend of AED 3,500

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Benefits at Ferrari World & Yas Waterworld
  • Interest-free balance transfers
  • Golf & Cinema offers
  • First year free

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 105

Joining Offers

Receive 10,000 bonus TouchPoints when you spend AED 10,000 each month

Key Features

  • Earn bonus Touchpoints on one or all of these categories - Supermarket, Fuel, Telecom, Utility Bills, Duty Free
  • All other retail purchases will earn 1 Touchpoint per AED spent
  • 10,000 bonus Touchpoints
  • Balance transfer
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers 20% off at Talabat orders
  • Discounts with Agoda
  • Dragon Pass ‘Dine & Fly’ airport Dining Program
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets and upgrades, paying utility bills and more
  • Benefits at Ferrari World & Yas Waterworld Abu Dhabi
  • Buy 1, Get 1 Free with VOX Cinemas, Up to 4 free tickets per month
  • Complimentary Lounge Access
  • Free all year at The Track Meydan Golf Club Dubai, Arabian Ranches Golf Club Dubai and Yas Links Golf Club Abu Dhabi
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more

Reward Features

Earn Touchpoints

  • Earn 1 TouchPoint for every AED 1 on retail
  • Earn  1 TouchPoint for every AED 1 on Utility
  • 10,000 bonus TouchPoints when you spend AED 10,000 each month
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets, upgrades & much more

Things To Be Aware Of

  • Minimum monthly required to earn 5,000 bonus Touchpoints
  • Minimum monthly spend of AED 5000 for free Golf

MINIMUM SALARY

AED 15,000

RATE

3.25

ANNUAL FEE

AED 1050

  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Life Insurance
  • Up to 25,000 Reward points as joining bonus
  • 50% discount on beach & pool at select Accor hotels in UAE
  • Upgrade to ALL Gold status & VIP guest status
  • Complimentary Airport Chauffer
  • Unlimited complimentary access to over 1000+ airport lounges

MINIMUM SALARY

AED 15,000

RATE

3.25

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / 105 AED

Joining Offers

Up to 25,000 Reward points, equal to €500 in hotel stays at Accor hotels around the world

Enjoy a rewarding welcome bonus on your ALL - ADCB Signature Credit Card. You will receive up to 25,000 Reward points from ALL when you apply and use your ALL - ADCB Signature Credit Card.

  • Earn 7,500 Reward points from ALL when you apply for an ALL - ADCB Signature Credit Card.
  • Earn 7,500 Reward points from ALL when you spend AED 20,000 within 90 days from the date the card was issued.
  • Introductory offer: Earn an additional 10,000 Reward points if you apply on or before 31st August 2022.

Key Features

  • 50% off beach, swimming pool and gym access at select Accor hotels in UAE
  • 35% off all-inclusive access at select Rixos Resorts in UAE
  • Fast track upgrade to Gold status from ALL
  • Complimentary night on card anniversary at select Accor Premium hotels in UAE
  • 25% off restaurants at select Accor hotels in UAE
  • 25% discount in Spas at select Accor hotels in UAE
  • Unlimited buy 1 Get 1 free at Caribou coffee
  • Complimentary golf access
  • 20% off 3 Careem rides a month
  • 50% off 3 Careem food & shop orders every month
  • Fraudulent card misuse protection
  • Unlimited complimentary airport lounge access for cardholder
  • Complimentary Airport Chauffer – up to 2 rides a year
  • Multi-Trip Travel Insurance
  • Up to 30% off YQ Meet and Assist

Reward Features

Earn up to 2 Reward points from ALL for every USD1 spent*

Spending has never been so rewarding. Accumulate Reward points on all retail purchases when you use your ALL – ADCB Signature Credit Card.

  • Earn 2 Reward points from ALL on spends at Accor hotels in the UAE
  • Earn up to 2 Reward points from ALL on your international spends

Earn up to 1 Reward point from ALL on domestic spend

*Purchases on fuel, education, government, real estate, telecommunication, charity and transportation categories will earn 0.15 Reward points from ALL per USD 1 spent. Purchases at supermarkets, auto dealers, insurance and quick service restaurants earn 0.20 Reward points from ALL per USD 1 spent. International spends at countries in the EU region will earn 0.75 Reward points from ALL per USD 1 spent.

Who is Eligible for a Abu Dhabi Commercial Bank (ADCB) Credit cards for AED 14000 to 16000?

To apply for a Abu Dhabi Commercial Bank (ADCB) Credit cards, you need to meet these eligibility criteria:

  • Minimum Salary: AED 14000 per month

  • Age: 21 years and above

  • Residency: UAE nationals and expatriates

  • Employment Type: Salaried or self-employed professionals

Documents Required

Prepare the following documents before applying:

  • Emirates ID (for UAE residents)

  • Passport & Visa Copy (for expatriates)

  • Salary Certificate from employer

Bank Statements (last 3-6 months)

FAQs

You need to earn a minimum salary of AED 14000, be 21 years or older, and provide necessary documents such as Emirates ID, salary certificate, and bank statements.

Some cards require a salary transfer, while others do not. Check the terms and conditions of each card before applying.

Credit limits vary based on your salary, credit history, and bank policies.