ADCB Credit Card Requirements: The Best Guide
Introduction
Abu Dhabi Commercial Bank (ADCB) is one of the leading banks in the UAE, offering a wide range of adcb credit cards with exclusive benefits. However, before applying, it’s essential to understand the eligibility criteria, required documents, and other conditions to ensure a smooth application process. This guide covers everything you need to know about ADCB credit card requirements in detail.
1. Eligibility Criteria for ADCB Credit Card
Before applying for an ADCB credit card, you must meet specific eligibility requirements. These factors determine whether you qualify for a card.
1.1 Minimum Age Requirement
- Applicants must be at least 21 years old to apply for an ADCB credit card.
- Some premium or exclusive cards may have higher age restrictions (e.g., 25+ years).
1.2 Employment Status
- Salaried employees must be employed in a UAE-registered company.
- Self-employed individuals must provide business proof and financial stability documentation.
1.3 Minimum Salary Requirement
Different ADCB credit cards have varying salary requirements. Below is a general breakdown:
Credit Card Type | Minimum Salary Required |
---|---|
Standard Credit Cards | AED 5,000 – AED 7,000 |
Gold Credit Cards | AED 8,000 – AED 12,000 |
Platinum Credit Cards | AED 15,000+ |
Infinite & Signature Cards | AED 30,000+ |
1.4 Residency Status
- UAE nationals and expatriates can apply.
- Expatriates must have a valid UAE residency visa.
2. Documents Required for ADCB Credit Card Application
To apply for an ADCB credit card, applicants must submit the following documents.
2.1 For Salaried Employees
- Emirates ID (original & copy)
- Valid UAE residence visa & passport (for expatriates)
- Salary certificate (issued within the last 30 days)
- Bank statements (last three to six months)
- Completed application form
2.2 For Self-Employed Individuals
- Trade license (valid & attested)
- Passport & residency visa copy
- Bank statements (last six months)
- Audited financial statements (if applicable)
2.3 Additional Documents (if required by ADCB)
- Proof of address (utility bills, tenancy contract, etc.)
- Existing credit card statements (if applicable)
- Other income proof (if any)
3. Types of ADCB Credit Cards and Their Features
ADCB offers various credit cards catering to different needs, from cashback to travel rewards.
3.1 Cashback Credit Cards
- Earn cashback on everyday spending.
- Examples: ADCB SimplyLife Cashback Card, ADCB TouchPoints Platinum Card.
3.2 Travel Credit Cards
- Free airport lounge access, travel miles, and travel insurance.
- Examples: ADCB Etihad Guest Cards, ADCB Visa Infinite.
3.3 Lifestyle & Rewards Credit Cards
- Earn points for dining, shopping, and entertainment.
- Examples: ADCB Lulu Platinum Card, ADCB TouchPoints Infinite Card.
3.4 Premium & Exclusive Cards
- Higher credit limits and personalized privileges.
- Examples: ADCB Signature & Infinite Cards.
4. Credit Score & Financial Standing Requirements
ADCB evaluates your credit score and financial history before approving a credit card application.
4.1 Minimum Credit Score Required
- The minimum credit score for approval is 580 – 650 (based on AECB UAE ratings).
- Higher credit scores increase the chances of approval and better credit limits.
4.2 Debt-to-Income Ratio (DTI) Considerations
- Your DTI ratio should be below 50% to qualify easily.
- A higher ratio may lead to rejection or lower credit limits.
4.3 Existing Liabilities & Loans
- ADCB assesses your existing loans, credit cards, and liabilities.
- Applicants with multiple unpaid loans may face difficulty in approval.
5. Step-by-Step Process to Apply for an ADCB Credit Card
5.1 Online Application Process
- Visit the official ADCB website.
- Choose a suitable credit card.
- Fill out the online application form.
- Upload required documents.
- Submit the application and await bank approval.

5.2 In-Person Application Process
- Visit an ADCB branch.
- Consult with a bank representative.
- Submit necessary documents.
- Receive application confirmation.
5.3 Processing Time & Approval
- Standard processing time: 2 to 7 business days.
- Additional verification may extend processing time.
6. ADCB Credit Card Fees & Charge
Before applying, it’s essential to understand the fees associated with ADCB credit cards.
Fee Type | Charge (Approximate) |
---|---|
Annual Fee | AED 300 – AED 2,500 (varies by card type) |
Interest Rate (APR) | 2.99% – 3.50% per month |
Cash Advance Fee | 3% to 5% (minimum AED 100) |
Late Payment Fee | AED 230 – AED 300 |
Foreign Transaction Fee | 2.5% – 3.5% |
7. Tips to Get Approved for an ADCB Credit Card
- Maintain a high credit score (above 700 for premium cards).
- Keep your DTI ratio low by managing existing loans.
- Ensure stable employment with consistent salary credits.
- Submit accurate documents to avoid delays.
- Choose a card that matches your salary range for higher approval chances.
12. How to Cancel an ADCB Credit Card
If you decide to close your ADCB credit card, follow the proper process to avoid penalties.
12.1 Steps to Cancel Your Card
- Clear all outstanding dues before applying for cancellation.
- Call ADCB’s customer service hotline or visit a branch.
- Submit a written cancellation request.
- Receive a no-dues certificate after closing the account.
12.2 Important Considerations Before Cancellation
- Ensure there are no active auto-debits linked to the card.
- Closing a card may affect your credit score.
- If canceling due to high fees, consider downgrading to a no-fee card.
Conclusion
ADCB credit cards offer a variety of benefits, but understanding the eligibility requirements, fees, interest rates, and repayment terms is crucial for responsible usage. Whether you’re looking for cashback rewards, travel perks, or lifestyle benefits, ADCB has a range of credit cards to suit different financial needs. Always ensure you meet the required criteria before applying and manage your credit responsibly to maximize benefits.
Frequently Asked Questions (FAQs)
1. Can I get an ADCB credit card with a salary of AED 4,000?
Most ADCB credit cards require a minimum salary of AED 5,000. Some premium cards require AED 15,000 or more.
2. What happens if I miss a credit card payment?
Late payments result in penalty fees (AED 230 – AED 300) and interest charges. Consistently missing payments can reduce your credit score.
3. Can I increase my ADCB credit limit?
Yes, you can request a limit increase by providing proof of salary increment or improved financial standing.
4. How can I check my ADCB credit card balance?
You can check your balance via ADCB mobile banking, online banking, or by calling customer service.
5. Is it possible to get a credit card with no annual fee?
Yes, ADCB offers no annual fee credit cards, but they may have fewer benefits compared to premium cards.
ADCB Credit Card Requirements: Everything You Need to Know
Abu Dhabi Commercial Bank (ADCB) offers a wide range of credit cards with exclusive benefits such as cashback, travel rewards, and lifestyle privileges. To apply for an ADCB credit card, you must meet specific eligibility criteria, including a minimum salary of AED 5,000, a valid UAE residency visa (for expatriates), and a good credit score. Applicants must submit documents such as an Emirates ID, salary certificate, and bank statements.
Understanding ADCB credit card requirements helps in choosing the right card based on income and financial needs. If you’re a business owner looking for corporate banking solutions, you might also be interested in exploring DAFZA’s list of companies operating in the UAE. Check out the complete list here: https://www.khaleejuae.com/dafza-list-of-companies/ for valuable business insights.