Introduction
ADCB (Abu Dhabi Commercial Bank) has cemented itself as one of the UAE’s most trusted financial institutions, offering a diverse range of credit cards tailored to meet the needs of residents, expats, and high-net-worth individuals. But with options spanning cashback, travel rewards, and supermarket discounts, which ADCB credit card reigns supreme for your spending habits?
This guide dives deep into ADCB’s top credit cards, comparing their rewards structures, annual fees, eligibility criteria, and exclusive UAE-specific perks. Whether you’re a frequent flyer, a LuLu Hypermarket loyalist, or a cashback enthusiast, we’ll help you identify the card that maximizes your benefits.
Why Choose an ADCB Credit Card?
ADCB’s Reputation in the UAE
ADCB is a pillar of the UAE’s banking sector, holding AAA ratings from Fitch and recognition as the “Best Bank in the UAE” by Global Finance Magazine in 2022. With over 800,000 credit card users and partnerships with global networks like Visa and Mastercard, ADCB cards are accepted at 50+ million merchants worldwide.
Exclusive Features of ADCB Credit Cards
- Rewards Programs:
- Earn TouchPoints (1 TouchPoint = AED 0.05) on everyday spending.
- Convert points to air miles (Etihad, Emirates), shopping vouchers, or cashback.
- Travel Benefits:
- Complimentary Priority Pass lounge access (up to 8 visits/year).
- Travel insurance covering flight delays, lost luggage, and medical emergencies.
- UAE-Focused Discounts:
- Up to 50% off at Dubai restaurants like Texas Roadhouse and P.F. Chang’s.
- 10% cashback on fuel at ENOC/EPPCO stations.
- Financial Flexibility:
Who Should Apply?
- Expats: 80% of ADCB’s credit card users are expatriates, thanks to straightforward eligibility.
- Frequent Travelers: Cards like the ADCB Etihad Guest Infinite offer unmatched airline perks.
- Budget-Conscious Shoppers: The ADCB Lulu Platinum Card delivers hypermarket savings.
Top ADCB Credit Cards Compared – Which One Reigns Supreme?
We analyze ADCB’s five most popular credit cards, highlighting their strengths, fees, and ideal users:
1️⃣ ADCB TouchPoints Platinum Credit Card
- Best For: Everyday spending and versatile rewards.
- Key Features:
- 4 TouchPoints/AED 1 on dining, groceries, and fuel.
- 2 TouchPoints/AED 1 on all other spends.
- Free Priority Pass (4 lounge visits/year).
- Complimentary insurance: Purchase protection and extended warranties.
- Annual Fee: AED 525 (waived first year for spends over AED 100,000).
- Interest Rate: 3.25% monthly (39% APR).
- Eligibility: Minimum salary AED 8,000/month.
Why It Reigns Supreme for Daily Use:
The TouchPoints Platinum Card offers the highest reward rate for common UAE expenses. For example, spending AED 5,000/month on groceries and fuel earns 20,000 TouchPoints/year (worth AED 1,000).
2️⃣ ADCB Infinite Credit Card
- Best For: Luxury lifestyle and premium travel.
- Key Features:
- 8 TouchPoints/AED 1 on international spends.
- Unlimited Priority Pass lounge access (worth AED 1,500/year).
- Marriott Bonvoy Gold Status (free breakfast, room upgrades).
- 24/7 concierge service for travel bookings and reservations.
- Annual Fee: AED 1,050.
- Interest Rate: 3.25% monthly.
- Eligibility: Minimum salary AED 30,000/month.
Why It Reigns Supreme for Luxury:
The Infinite Card’s lounge access and Marriott status are unmatched. A weekend stay at the St. Regis Dubai with free breakfast and upgrades can save AED 800+/trip.
3️⃣ ADCB SimplyLife Cashback Credit Card
- Best For: Simple, unlimited cashback.
- Key Features:
- 1% cashback on all spends (no caps).
- 5% cashback on utility bills (DEWA, Etisalat).
- No annual fee for the first year.
- Annual Fee: AED 0 (Year 1), AED 262.50 (renewal).
- Interest Rate: 3.50% monthly.
- Eligibility: Minimum salary AED 5,000/month.
Why It Reigns Supreme for Cashback:
With AED 500/month spends on utilities and groceries, you earn AED 60/year in cashback—offsetting the renewal fee.
4️⃣ ADCB Lulu Platinum Credit Card
- Best For: LuLu Hypermarket shoppers.
- Key Features:
- 7% cashback at LuLu Hypermarket (capped at AED 200/month).
- 5% cashback on fuel and school fees.
- Free movie tickets at VOX Cinemas twice a month.
- Annual Fee: AED 315.
- Interest Rate: 3.25% monthly.
- Eligibility: Minimum salary AED 8,000/month.
Why It Reigns Supreme for Groceries:
A family spending AED 3,000/month at LuLu earns AED 210 cashback/month, covering the annual fee in 2 months.
5️⃣ ADCB Etihad Guest Infinite Credit Card
- Best For: Etihad Airways loyalists.
- Key Features:
- 2 Etihad Guest Miles/AED 1 on all spends.
- Complimentary Etihad Guest Silver Tier status (priority check-in, extra baggage).
- Free travel insurance (up to AED 1 million coverage).
- Annual Fee: AED 2,625.
- Interest Rate: 3.25% monthly.
- Eligibility: Minimum salary AED 35,000/month.
Why It Reigns Supreme for Frequent Flyers:
Spending AED 150,000/year earns 300,000 Etihad Miles—enough for a return flight to Europe in Economy Class.
How to Choose the Best ADCB Credit Card?
Match Your Card to Your Spending Habits
| Spending Profile | Best ADCB Credit Card | Annual Savings Potential |
|---|---|---|
| Groceries & Fuel | ADCB Lulu Platinum | AED 2,520 (7% cashback at LuLu) |
| International Travel | ADCB Infinite | AED 3,000+ (lounge access, hotel perks) |
| Everyday Purchases | ADCB TouchPoints Platinum | AED 1,000 (TouchPoints redemption) |
| Bills & Utilities | ADCB SimplyLife Cashback | AED 300 (5% cashback on utilities) |
| Etihad Airways Travel | ADCB Etihad Guest Infinite | 1 free flight/year (30,000 miles) |
Fees & Charges – Detailed Breakdown
Understanding the total cost of ownership is critical. Here’s a comparison:
| Card | Annual Fee | Interest Rate | Foreign Transaction Fee | Late Payment Fee |
|---|---|---|---|---|
| TouchPoints Platinum | AED 525 | 3.25% | 2.5% | AED 241.50 |
| Infinite | AED 1,050 | 3.25% | 2.5% | AED 241.50 |
| SimplyLife Cashback | AED 262.50 | 3.50% | 3% | AED 241.50 |
| Lulu Platinum | AED 315 | 3.25% | 2.5% | AED 241.50 |
| Etihad Guest Infinite | AED 2,625 | 3.25% | 2.5% | AED 241.50 |
Pro Tip: Avoid interest by paying your balance in full monthly. Use the ADCB Mobile App to set up auto-payments.
How to Apply for an ADCB Credit Card
Step-by-Step Guide for UAE Residents
- Check Eligibility:
- Salaried employees: Minimum salary AED 5,000–35,000/month (varies by card).
- Self-employed: Submit a trade license and 6-month bank statement.
- Prepare Documents:
- Emirates ID (front/back copy).
- Passport with UAE residency visa.
- Salary certificate (Arabic/English) or 3-month bank statements.
- Apply Online:
- Visit ADCB’s credit card portal.
- Select your card, fill in personal/employment details, and upload documents.
- Track Application:
- Use the ADCB Application Tracker or call 600 50 2030.
- Activate Your Card:
- Receive the card via courier and activate via SMS (ACT <card number> to 6090).
Approval Time: 1–3 business days for salaried applicants.
FAQs About ADCB Credit Cards
1️⃣ Which ADCB card offers the best sign-up bonus?
The ADCB Infinite Credit Card provides 10,000 bonus TouchPoints (worth AED 500) on spends of AED 15,000 in the first 3 months.
2️⃣ Can I upgrade my existing ADCB credit card?
Yes! Contact ADCB at 600 50 2030 or visit a branch. Upgrades require a 6-month payment history and higher income proof.
3️⃣ Are ADCB credit cards Sharia-compliant?
ADCB offers Islamic cards like the ADCB Najm Titanium Card, which follows Sharia principles.
4️⃣ How do I redeem TouchPoints?
Log in to ADCB TouchPoints Portal and redeem for:
- Flight tickets (1 TouchPoint = AED 0.05).
- Gift vouchers at Amazon UAE or Dubai Mall.
- Cashback to your ADCB account.
5️⃣ What happens if I lose my ADCB credit card?
Call 600 50 2030 immediately to block the card. ADCB offers free replacement within 3–5 business days.
Conclusion – Which ADCB Credit Card Reigns Supreme?
The best ADCB credit card depends on your lifestyle:
- Everyday Spending & Rewards: ADCB TouchPoints Platinum.
- Luxury & Travel: ADCB Infinite.
- Cashback Simplicity: ADCB SimplyLife.
- Hypermarket Savings: ADCB Lulu Platinum.
- Etihad Airways Loyalty: ADCB Etihad Guest Infinite.
Final Tip: Use ADCB’s Card Comparison Tool to weigh features side-by-side. Ready to apply? Click below to start your application:
