The ADCB Supplementary Credit Card is an essential financial product that complements a primary credit card, offering users the ability to share the benefits of their account with family members or close individuals. With a variety of benefits, features, and flexibility, the ADCB Supplementary Credit Card can provide enhanced financial convenience and control. This guide will offer an in-depth look at the advantages, features, application process, and much more.
In this detailed article, you will find everything you need to know about the ADCB Supplementary Credit Card, including how it can benefit you and your family, the application process, and the best ways to use it effectively.
Key Information About ADCB Supplementary Credit Card
Before diving into the specifics, here is a table summarizing the key information about the ADCB Supplementary Credit Card:
| Feature | Details |
|---|---|
| Product Name | ADCB Supplementary Credit Card |
| Primary Cardholder | Can add up to 4 supplementary cardholders |
| Eligibility | Must be a primary cardholder of an ADCB credit card |
| Fees | AED 105 per supplementary card annually |
| Rewards Program | Yes, earns points on every purchase |
| Freebies | Access to exclusive deals and discounts |
| Credit Limit | Combined credit limit shared with primary cardholder |
| Spending Alerts | Real-time transaction alerts via SMS/Email |
| Online Access | Full online and mobile banking access |
| Card Type | Visa/MasterCard (depending on the type) |
This table provides a quick overview of the ADCB Supplementary Credit Card and its key features.
1. What is the ADCB Supplementary Credit Card?
The ADCB Supplementary Credit Card is designed for people who want to share their credit card account’s benefits with family members. By adding supplementary cardholders, you allow your loved ones to enjoy the same privileges, including reward points, access to exclusive offers, and even flexible payment options. The primary cardholder maintains control over the account, including managing spending and payment of dues.
1.1 Key Features of the ADCB Supplementary Credit Card
- Sharing Credit Limit: The credit limit on the ADCB Supplementary Credit Card is shared with the primary cardholder, allowing users to manage their finances effectively.
- Rewards Program: Each purchase made on the supplementary card contributes to the primary cardholder’s reward points, which can be redeemed for various benefits like shopping vouchers, flights, and more.
- Wide Acceptance: As the card is either Visa or MasterCard-based, it enjoys global acceptance, making it easy for users to make purchases anywhere.
1.2 Benefits of the ADCB Supplementary Credit Card
- Enhanced Convenience: Add family members, friends, or partners to your account and enjoy the benefits without worrying about multiple bills or accounts.
- Budgeting Control: As the primary cardholder, you maintain control over spending limits, monitoring purchases, and making payments.
- Exclusive Offers: Access to ADCB’s loyalty program, offering a variety of discounts and special offers at local retailers and online platforms.
2. Application Process for ADCB Supplementary Credit Card
The process of applying for the ADCB Supplementary Credit Card is straightforward but requires a few important steps. The following sections will guide you through the process of adding supplementary cardholders to your ADCB credit account.
2.1 Eligibility Criteria
To be eligible to add a supplementary credit cardholder, the primary cardholder must meet the following requirements:
- Primary Cardholder Requirement: Must be an existing ADCB credit cardholder in good standing.
- Age: Supplementary cardholders must be at least 18 years old.
- Credit History: The primary cardholder must have an acceptable credit history with ADCB.
2.2 Steps to Apply
- Log into Your ADCB Online Account: Access your ADCB online banking or mobile banking app to initiate the process of adding a supplementary cardholder.
- Submit Required Documents: Provide necessary documentation such as proof of identification for the supplementary cardholder, proof of income, and other details as requested.
- Review and Confirm Details: Review the terms and conditions, then confirm the addition of the supplementary card.
- Wait for Approval: ADCB will process your request, and once approved, the supplementary cardholder will receive their new credit card.
| Step | Details |
|---|---|
| Step 1 | Log into ADCB online banking or mobile app |
| Step 2 | Submit required documents |
| Step 3 | Review and confirm application details |
| Step 4 | Wait for confirmation and card approval |
3. Fees and Charges Associated with ADCB Supplementary Credit Card
While the ADCB Supplementary Credit Card offers many benefits, there are some associated fees that the primary cardholder must consider. Here’s a detailed breakdown of the charges you may incur:
3.1 Annual Fees
- Supplementary Card Fee: AED 105 per year for each supplementary card issued.
- Primary Card Fee: The fee for the primary cardholder is separate, depending on the type of ADCB credit card they hold.
3.2 Other Fees and Charges
| Fee Type | Amount |
|---|---|
| Supplementary Card Fee | AED 105/year |
| Late Payment Fee | AED 200 |
| Cash Withdrawal Fee | 3% of the transaction amount or AED 100 (whichever is higher) |
| Overlimit Fee | AED 200 |
| Foreign Transaction Fee | 2.99% |
3.3 How to Avoid Fees
To minimize or avoid fees on the ADCB Supplementary Credit Card, the primary cardholder should:
- Ensure timely payment of the card balance.
- Monitor spending closely to avoid exceeding the credit limit.
- Use the credit card responsibly to avoid cash withdrawal and foreign transaction fees.
4. How to Maximize the Benefits of Your ADCB Supplementary Credit Card
To make the most out of the ADCB Supplementary Credit Card, the primary cardholder can follow some simple steps to ensure they maximize the rewards and benefits.
4.1 Take Advantage of the Rewards Program
Every time you or your supplementary cardholder makes a purchase, reward points accumulate, which can be redeemed for exciting rewards like:
- Shopping Vouchers: Earn points for every dirham spent, which can be converted into shopping vouchers from top retailers.
- Airline Miles: Use points to earn airline miles with ADCB’s travel rewards program, perfect for those who travel frequently.
- Exclusive Deals: Access special discounts, offers, and cashback deals with select merchants both locally and globally.
4.2 Set Spending Limits and Track Usage
As the primary cardholder, it is essential to manage the spending limits for supplementary cardholders to prevent overspending and ensure control over the account. The ADCB mobile app allows for easy monitoring of transactions, giving you real-time alerts and reports.
| Tip | Details |
|---|---|
| Set Individual Limits | Customize spending limits for each supplementary cardholder |
| Monitor Purchases | Use the ADCB mobile app for real-time transaction alerts |
| Maximize Rewards | Regularly check for special offers to maximize the benefits of reward points |
Conclusion
The ADCB Supplementary Credit Card is a versatile financial tool that offers a host of benefits for the primary cardholder and their family. With its affordable annual fee, wide range of rewards, and ease of use, it is an excellent option for anyone looking to streamline their finances while sharing the privileges of a credit card.
By understanding the application process, fees, and features, primary cardholders can fully leverage the advantages of supplementary cards, ensuring that all cardholders enjoy the same perks while maintaining control over their spending. Whether it’s earning reward points, accessing exclusive offers, or managing multiple accounts seamlessly, the ADCB Supplementary Credit Card is a valuable addition to any financial portfolio.
