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ADCB CREDIT CARD ELIGIBILITY AND MINIMUM SALARY REQUIREMENTS

Abu Dhabi Commercial Bank is known for its competitive potential and is highly looked up to as a leading financial institution in the United Arab Emirates. Abu Dhabi Commercial Bank offers its users a wide range of banking products and services along with a variety of credit cards. A wide range of cashback offers and reward points that can be earned while making daily payments are won and earned by applicants.

ADCB Credit Cards eligibility depends on those individuals who do not receive a high regular monthly salary. They can also apply for ADCB credit cards offered by Abu Dhabi Commercial Bank. The minimum age to apply for and possess an ADCB Credit card in UAE is 21 years and above. Applicants who are 21 years and above are permitted to apply for an ADCB Credit Card to receive its perks, such as reward points and cashback, upon usage. Be it dining, Cinema, shopping or travel tickets,  ADCB offers cashback and discounts on all such expenditures. The ADCB Credit Card Salary requirements, along with the age factor, also includes various other factors, that are discussed below.

In order to qualify for Abu Dhabi Commercial Bank credit cards, applicants are required to meet specific ADCB bank credit card eligibility criteria, such as the minimum age, a stable income, a good credit score and much more.

Types Of Abu Dhabi Commercial Bank Credit Cards In United Arab Emirates

Abu Dhabi Commercial Bank offers a wide range of credit cards for its users to choose from. Be it an ADCB credit card minimum salary credit card or an ADCB cashback-covered credit card, ADCB has it all arranged for its applicants. Abu Dhabi Commercial Bank offers its users various types of credit cards to choose from, and they are :

  • ADCB LULU Titanium Credit Card
  • ADCB Touchpoint Gold Credit Card
  • ADCB Touchpoint Titanium Credit card
  • Talabat ADCB Credit Card
  • ADCB Touchpoint Platinum Credit Card
  • ADCB Etihad Guest Platinum Credit Card
  • 360 Cashback Credit card

The above-mentioned ADCB Credit Cards are minimum salary ADCB credit cards, which require applicants to have a minimum salary for ADCB credit cards. Along with that, applicants avail cashback offers and discounts on entertainment, education and travel expenditures. The below-mentioned credit cards have a high salary requirement, and they are:

  • Betaqti Credit Card
  • ADCB Etihad Guest Signature Credit card
  • Traveller Credit Card
  • ALL- ADCB Signature Credit Card
  • ALL- ADCB Infinite Credit Card
  • ADCB Touchpoint Infinite Credit Card 

Factors Affecting Eligibility To Obtain ADCB Credit Card In UAE

In order to apply for a ADCB credit card, the applicant is required to match a few eligibility criteria’s issued by the bank, which in this case is the Abu Dhabi Commercial Bank. A list of factors that may affect the eligibility of an individual in order to apply for an Abu Dhabi Commercial Bank credit card in UAE are as follows :

  1. Age – If the applicant is not 21 years and above they may be restricted from applying for a credit card in UAE. The applicant's Age requirement is 21 years and above.
  2. Income- The Credit Card Minimum salary requirement plays a significant role in applying for a credit card in UAE, even if it’s a small salary amount, individuals can apply for a credit card in UAE. The ADCB Bank credit card minimum salary  to obtain a credit card in UAE is AED 5,000.
  3. Credit Score- It is important for the applicant to hold a good credit score as some banks may not have high salary requirements but may check for a good credit score in order to handover a credit card to the applicant.
  4. Employment Status- In order to apply for a credit card with any bank in the United Arab Emirates,  the applicant is required to be fully employed or must be self- employed in order to confirm the employment Status of the applicant.
  5. Nationality- The ADCB Bank Credit Card eligibility also depends on what nationality can apply for a credit card and a UAE Nationality or an Expatriate living in UAE  are permitted to apply for a credit card with Abu Dhabi Commercial Bank. 
  6.  Debt-To-Income Ratio- A High ratio typically above 50% indicates high risk in management of financial obligations which could lead to rejection. A low ratio indicates a manageable financial obligations, assuring lower risk.

Documents Checklist To Get An ADCB Credit Card In UAE

As it has been established that the ADCB Credit Card Minimum salary required is AED 5,000 and above. However, documentation plays a vital role in obtaining an ADCB credit card with low salary requirements. Below is a general list of documents asked for by the bank upon application for ADCB Credit Cards. Few documents may vary depending on the employment Status of the applicant, being full time salaried employees or self employed. The documents Checklist for “Salaried” Individuals are as follows :

  1. Emirates ID - Applicants are required to bring along or upload (depending on the application process being online of offline) their Emirates ID.
  2. Passport - Applicants are allowed to present their passport as an ID Proof as well. A passport is a well-known form of identity for an individual around the globe.
  3. Residence Visa - This is applicable for Expatriates living in United Arab Emirates. By providing the residence Visa, the Expatriate proves their relevance in the country and helps the bank regulated the history and background of the applicant.
  4. Income Proof, & Salary Certificate - Applicants are required to present their pay slips and income proof in order to obtain a credit card with ADCB. An income proof and a salary certificate shall confirm to the bank that the applicant is employed and receives an amount in the form of a salary, every month.
  5. Latest 3-6 Months Bank Statements - Applicants are required to present their last 3 to 6 months' bank statements in order to get a credit card offered by Abu Dhabi Commercial Bank. The bank statements will depict the income regularity of the applicant and the summary of how the applicant has been managing his or her finances.

As of Self-employed individuals, they may have irregular income coming in at irregular timings making ADCB a good bank for self employed individuals to opt for. The documents required for a Self Employed Individual in order to obtain a credit card from Abu Dhabi Commercial Bank are as follows :

  1. Emirates ID
  2. Passport
  3. Residence Visa – This is applicable only to Expatriates.
  4. Trade License- Applicants are required to present their trade License in order to apply for a ADCB Credit Card.
  5. Memorandum Of Association- Applicants are required to have their MOA in order to present to Abu Dhabi Commercial Bank to obtain a ADCB Credit card.
  6. Bank Statements- Applicants are required to present their latest 3 to 6 months bank statements.

Best ADCB Credit Cards In UAE

Among the wide range of credit cards available for Abu Dhabi Commercial Bank (ADCB) users to choose from, a few, chosen as the BEST, are as follows :

Talabat ADCB Credit Card

Talabat ADCB Credit Card is not just catering to individuals who receive a lower monthly come, but also allows its users to earn rewards and cashback offers with every transaction as low as AED 1. Discounts on movie tickets, and travel insurance is all covered in ADCB credit cards. With a multiple benefits and advantages, ADCB has a lot to offer its users as compared to any other credit card in UAE.

Talabat ADCB credit card offers its users a Buy One Get One Free movie tickets at VOX Cinemas along with unlimited free deliveries at the Talabat Food Delivery Application on a minimum order value of AED 50. A AED 500 welcome Bonus is also availed, along with zero annual fee, at applying for a Talabat ADCB credit card with Abu Dhabi Commercial Bank. 

To obtain a credit card like the Talabat ADCB Credit card, individuals are required to be of 21 years and above and have a good credit history at the least. A minimum monthly salary requirement is also applied which has to be of at least AED 5,000, upon which the applicant shall be successful in obtaining a credit card with ADCB.

ADCB 365 Islamic Cashback Covered Card


Applicants applying for an ADCB 365 Islamic Cashback Covered Card must have a monthly salary of at least AED 8,000. An annual fee of AED 365 + VAT is charged in the second year, after the first year being absolutely free of cost from an annual fee charge.

A bunch of cashback offers available for applicants upon applying for a ADCB 365 Islamic Cashback Covered Card are as 5% cashback on Groceries and 1% cashback on all retail expenditures.

Dining and hotel discounts are offered to applicants applying for an ADCB 365 Islamic Cashback Covered Card.

ADCB LULU Titanium Credit Card

The ADCB LULU Titanium Credit Card is a Credit card offered by Abu Dhabi Commercial Bank in UAE to applicants who may receive a lower monthly salary of AED 5,000. To obtain a credit card from Abu Dhabi Commercial Bank or any bank in the UAE, applicants are required to carry a clean credit score with zero fraudulent activities.

A few offers offered by the ADCB LULU Titanium Credit Card are 0% on interest payment plan on school fees payments and up to 3.5 LULU Points on every purchase worth AED 1.

To apply for an ADCB LULU Titanium Credit card,  applicants need not pay any annual fee for life and are permitted to access Airport Lounges Globally.

ADCB LULU Platinum Credit Card

Applying for the ADCB LULU Platinum Credit Card is now better than ever with the monthly salary requirement only being AED 15,000. No annual fee is charged to applicants applying for the ADCB LULU Platinum Credit Card and is a good preference for individuals with a good monthly salary in the UAE.

A few offers that come along with the ADCB LULU Platinum Credit card are 5% cashback on El Futtaim FAB Rewards for every expenditure worth AED 1. Applicants also get to earn 5 LULU Points for every AED 1 purchase.

Multiple lifestyle benefits come along with having a ADCB LULU Platinum Credit card such as rewards points, and discounts, be it dining or shopping, lifestyle benefits significantly increase. Airport lounge access gets easy with the ADCB LULU Platinum Credit card , globally.

Conclusion

The ADCB Bank Credit Card eligibility criteria to apply for a credit card in the Abu Dhabi Commercial Bank depends on factors such as age, income, job stability, and many more. Abu Dhabi Commercial Bank is known to be one of the best banks in the UAE for applicants to apply for a credit card that requires a low monthly income, such as AED 5,000  to AED 8,000. A few credit cards that offer excellent cashback offers and discounts on dining and daily expenditures are the Talabat ADCB Credit Card, ADCB LULU Titanium Credit Card, ADCB 365 Islamic Flex Credit Card,  and ADCB LULU Platinum Credit Card.

FAQs

The Minimum salary requirement to open an ADCB Credit card is AED 5,000 and above.

The Minimum salary for obtaining a credit card in the United Arab Emirates is AED 5,000 and above.

The cashback offers offered by ADCB depends on the credit card type. For example The Talabat ADCB Credit card offers a zero annual fee and a free deliveries on the Talabat Food Delivery Application.

The minimum salary requirement for the ADCB 365 Islamic Cashback Covered Card is AED 8,000.

Banks typically prefer providing credit cards to high-income earners.

Pyypl Debit MasterCard is a credit card that is known to have No Minimum Salary requirement.

No, at least for the first year, in some ADCB credit cards and free of cost for life in a few other credit cards, Abu Dhabi Commercial Bank does not charge an annual fee usually.

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