ADCB Credit Card: Choosing the Right One for You

The Abu Dhabi Commercial Bank, ADCB Credit Card is designed to meet the needs of Abu Dhabi Commercial Bank customers. With cards for retail, corporate and personal use, ADCB has a card that is perfect for you. Abu Dhabi Commercial Bank offers many different types of credit cards, each with its own benefits and drawbacks. In this blog post, we will examine the three most popular Abu Dhabi Commercial Bank Credit Cards: Standard, Platinum, and Gold.

Why Bank with Abu Dhabi Commercial Bank, ADCB?

ADCB is a leading bank among all Dubai Banks, offering retail and commercial banking services for individuals, SMEs, and multinationals. It has two major subsidiaries: Abu Dhabi Commercial Bank (Bahrain) which covers Bahrain, Kuwait, Qatar & Oman; ADIB offers its products to UAE-based clientele only.

  • They are providing the best services to help you grow your business.
  • They also offer many free services which can save you money and time.
  • Also, they are available 24/24.
  • ADCB offers a wide range of products and services to suit the needs of every individual or business.
  • This bank provides many different branches all over UAE in order to make it more convenient for you.
  • You can also communicate with them through their e-services if you prefer this way which is very easy and fast too!

Furthermore, there are also some other notable reasons to bank with ADCB, such as:

1. Largest commercial bank in UAE & Dubai 

ADCB is the largest bank in Abu Dhabi and an important part of The Emirates Group, a leading financial institution with over 40 years of experience serving private corporations, small businesses, and individuals throughout the UAE.

2. Suitable for both business & personal customers 

The ADCB offers convenient banking options for both personal and business customers; including savings accounts, current accounts (checking), personal & education loans, mortgages, credit cards, and insurance.

3. ADCB offers a large number of banking services

The ADCB offers a wide range of financial products through its network of over 80 branches, mobile banking (m-ADCB), or online at adcb.com; including savings accounts, current accounts (checking), loans, mortgages, credit cards, and insurance.

4. Extensive Network of branches & ATMs spread all across the UAE

With more than 200 ATMs across the UAE, the ADCB has one of the best ATM networks in the country. The bank is known for its excellent customer service and reliable products like loans, cards, savings accounts, investments account,s, etc. They also provide free services like internet banking and mobile apps where you can manage your finances easily from any place with an Internet connection.

5. Suitable bank for foreign transactions 

The bank offers a range of services to individuals and companies both locally or internationally through its network of over 80 branches, mobile banking (m-ADCB), or online at the ADCB site. The Bank also provides convenient options for foreign currency transactions including local payments in AED, USD, and GBP.

6. First commercial bank in the UAE 

ADCB is a pioneer in the UAE financial market offering comprehensive solutions for individuals and corporations to meet their banking needs.

If you want more information about the bank, their products, or branch locations in the UAE then contact them today!

ADCB Credit Card: Choosing the Right One for You

Why choosing the Right Credit Card for your needs is difficult?

The credit card industry is extremely competitive. From 0% introductory interest rates to cashback bonuses, there are tons of perks that banks offer in order to attract new customers and keep their existing ones happy.

When you’re looking for the right credit card it can be difficult to know where exactly to start since so many options are out there. Keep the following points in mind when applying for a credit card from your bank to get the most benefits and ensure that it works for both your needs and budget:

  • Make sure your intended credit card has all the features you want before applying.
  • Don’t forget to read the fine print and ask any questions if something doesn’t seem clear or makes you uncomfortable.
  • Make sure that your bank offers a good reward program for the card type that you’re interested in (like cash back, travel rewards…)

Never apply for a credit card from your bank if you don’t have the money to pay off the entire balance in full every month. This might sound obvious, but it’s an easy trap to fall into when banks offer such tempting introductory rates and rewards programs that encourage spending.

How to choose the right credit card for your needs?

Choosing between different credit cards offered by your bank may be difficult because it can involve a great deal of research.

It is important to find the right one that suits you and provides the most benefits for what you need it for. A good card should have low or no annual fees if possible, with interest rates that are low or no interest on purchases and balance transfers.

Some credit cards will provide benefits such as cash back, travel rewards, and other special offers depending on the card type you choose. Some of these might include:

  • Cash Rewards Credit Cards: These cards offer a set amount in points for every purchase made, based on your spending habits.
  • Travel Rewards Credit Cards: These cards offer free airline tickets, hotel stays, and other amenities for travelers.
  • Balance Transfer Credit Card Offerings: This card offers a low or 0% interest rate on balance transfers if you switch to it from another credit card company. If the money is transferred within 60 days of opening up your account, you will not be charged any interest on those purchases.
  • Low-Interest Credit Cards: These cards offer a low or 0% interest rate so that if your credit card balance is high, it won’t cost as much to pay off what you owe each month!

Depending on which one of these types of credit cards suits your needs and lifestyle, you can choose from a variety of credit card offers. Credit cards are an excellent way to build your credit history and it is important that you do them responsibly by not spending more than what is in your bank account each month.

Why should I choose the Abu Dhabi Commercial Bank ADCB Credit Card in UAE or Dubai?

The Abu Dhabi Commercial Bank (ADCB) is one of the United Arab Emirates’ leading financial institutions with an extensive network comprising 69 branches

You should opt for the Abu Dhabi Commercial Bank ADCB credit card because it is one of the best credit card providers in the UAE and offers a wide range of benefits to its customers.

Its unique features will surely impress you and make it easy for you to shop online or offline as per your needs. Moreover, the annual fee is low so that everyone can afford it easily. It offers reward points on each purchase which can be redeemed later.

The credit card also offers a cashback facility to its customers which helps them in saving money on their spendings and paying bills offline, while taking many other advantages of this offer might not be allowed at some places. However, the customer service is excellent and always ready to help you out with any issues that may arise along the way.

The credit card also offers exclusive deals and discounts on shopping to its customers which makes it an ideal choice for anyone who loves shopping or just enjoys the experience of buying now, paying later. You can contact the ADCB customer care team via phone call, email, or even text message so that they will be able to help you out with any problem you face even after you have already received the card.

So, opt for Abu Dhabi Commercial Bank ADCB credit card now and enjoy exclusive benefits like reward points on every purchase, cashback facility, etc!

Notable features of ADCB Credit Cards

  • No annual fee (or very less).
  • You can enjoy a credit line up to AED 120,000.
  • Enjoy special discounts at over 500 shopping outlets across the UAE and much more!
  • Also, enjoy up to 36% of discount on your fuel purchase at ADNOC petrol stations.
  • Get the latest offers and updates from ADCB via SMS or email.
  • Cashback facility – up to 15% cash back on dining, shopping, and other activities.
  • Plus enjoy free social media access or complimentary movie tickets for the first year of opening your account with ADCB.
  • 24/7 extraordinary customer service at ADCB.

How can I choose the right Abu Dhabi Commercial Bank, ADCB Credit Card?

Choosing a credit card is a difficult decision and the same is the case with the Abu Dhabi Commerical Bank, ADCB.  There are so many different benefits and types of cards to choose from!

Abu Dhabi Commercial Bank offers two main categories of credit cards:

  • Personal Credit Cards
  • Business Credit Cards

Personal Abu Dhabi Credit Cards come in 3 varieties:

  • Gold Credit Card
  • Platinum Credit Card
  • Black Credit Card

The benefits vary depending on the type of card you choose but they all offer EMIs that can be paid monthly or annually as well as balance transfers at 0% interest for up to 12 months if applicable.

Business Abu Dhabi Credit Cards also come in three varieties:

  • Silver Credit Card
  • Gold Credit Card
  • Platinum Credit Card

They offer EMIs at a fixed rate with no hidden costs or surprises along with an additional annual fee.

Moreover, the Abu Dhabi Commercial Bank also offers a special Abu Dhabi Platinum Business Card that gives you a complimentary first year of membership with Emirates NBD’s Privilege Programme and an additional annual fee for the second year as well several other benefits.

Popular Credit Cards from Abu Dhabi Commercial Bank ADCB

Abu Dhabi Commercial Bank ADCB is one of the largest banks in the UAE. It has over 40 branches located throughout Abu Dhabi, Al Ain, and Dubai. The bank offers a variety of products to meet different customer needs. One such product is credit cards which can be used for personal or business purposes.

Abu Dhabi commercial bank ADCB offers the following five types of credit cards:

  1. Etihad Credit Card
  2. TouchPoints Credit Card
  3. Lulu Credit Card
  4. Betaqti Credit Card
  5. Traveler Credit Card

The following paragraphs provide an elaborate description of each card along with its benefits to the customers.

1. Etihad Credit Cards from Abu Dhabi Commercial Bank ADCB 

Etihad Credit Card is a popular offering from Abu Dhabi Commercial Bank ADCB which enables people to avail exclusive benefits while flying with Etihad Airways, one of the leading airlines in UAE. It also features benefits for shopping, dining, and traveling. The credit card can be used to book tickets on Etihad Airways website at no additional cost. Similarly, the card enables you to purchase gifts and enjoy deals on shopping. It also offers rewards points for every spending that can be redeemed against flights, hotel bookings, or car rentals. With no additional annual fees, the credit card is popular among UAE residents who wish to avail all these benefits in one place.

There are three types of Etihad Cards offered at the ADCB; Etihad Guest Infinite Credit Card, Etihad Guest Signature Credit Card, Etihad Guest Platinum Credit Card.

ADCB Etihad Guest Infinite Credit Card

ADCB Etihad Guest Infinite Credit Card

The Etihad Guest Infinite Credit Card is the most popular card from ADCB because it offers a plethora of benefits that suit the requirements of different types of customers. The credit limit on this card can be as high as AED 30,000 and there is no spending cap which means you can use your cards for any kind of transaction without worrying about exceeding limits.

There are several features offered by ADCB that make it stand out from other credit cards in UAE. The best feature is the rewards program where you get one point for every AED spent against your card and redeem these points on several attractive offers like shopping, dining, or travel vouchers.

As ADCB is a highly reputed bank with an excellent customer service record, it has earned several positive reviews online from its customers who have shared their experiences after using Etihad Guest Credit Cards to make transactions.

ADCB Etihad Guest Signature Credit Card

ADCB Etihad Guest Signature Credit Card

There are no transaction fees at all which makes Etihad Guest Infinite Credit Card a lucrative benefit for customers. Similarly, you get complimentary access to Etihad Lounges around the world, a free additional card for your spouse or partner, and much more.

Apart from these features, there are no charges on cash withdrawals made at ATMs provided by ADCB which makes it a preferable option among UAE residents. The credit limit can be increased with every transaction you make while paying on time can further enhance your credit rating.

There is an option to get the annual fee refunded as well if you spend more than AED 100,000 in one year and maintain a good repayment history on your account. Apart from these offers, ADCB also comes up with attractive deals that can further enhance your buying power throughout the year.

ADCB Etihad Guest Platinum Credit Card

ADCB Etihad Guest Platinum Credit Card

The Etihad Guest Platinum Credit Card offers exclusive privileges to frequent fliers of the airline. The card comes with a credit limit of AED 60,000 and there are no additional fees for annual or monthly transactions which makes it an attractive offering among people who wish to use their cards extensively in different types of transactions.

There is an option to get the credit limit increased by paying an additional fee which is refundable. The benefits of this card include shopping discounts on Etihad Airways website, complimentary lounge access, and much more to enjoy while traveling with ease in the future.

There are several other offers that customers get along with their cards like deals on dining or travel bookings at discounted rates without worrying about annual fees. There are also offers on shopping, dining, and entertainment which can be availed every time you use the card for different types of transactions.

2. TouchPoints Credit Cards from Abu Dhabi Commercial Bank ADCB 

TouchPoints credit card is a reward program offered by Abu Dhabi Commercial Bank ADCB which enables people to earn points when they use their credit card for shopping, paying utility bills, etc. These points can be redeemed against a wide range of products and services offered by the bank in the UAE and abroad. The reward program offers customers to earn up to five times more TouchPoints than other Abu Dhabi Commercial Bank ADCB cards.

The other notable benefits of using the TouchPoints Credit Cards from the Abu Dhabi Commercial Bank ADCB include:

The facility of online shopping using accumulated points instead of cash:

Members of TouchPoints can also purchase any product or service from the ADCB Via Online, Mobile App, and through ADCB’s branches as well as its ATMs using their accumulated points instead of cash. They will be required to enter a unique code at the time of payment which they can generate by logging in to their TouchPoints account.

Chance to make unlimited TouchPoints Reward Points:

ADCB customers who have a personal loan or any other product with the bank can also earn points under the TouchPoints reward system. They will be required to enter the same unique code at the time of payment for settling their monthly installment, which they can generate by logging in to their TouchPoints account from ADCB’s website.

Easily track/check TouchPoints on iPhone & Andriod Apps:

ADCB customers can also access the TouchPoints reward system on the bank’s iPhone and Android apps. They will be required to enter their personal account number and password before generating a specific voucher or code which they can use while making any purchase from ADCB’s partner companies.

Easily shift your points from other banks to ADCB’s TouchPoints:

TouchPoints members who have an existing credit card with other banks in UAE can also transfer their points into ADCB’s TouchPoints reward system. However, they will be required to provide a few specific details about themselves including the name of the bank from which you want to migrate your credit card and account number among others before continuing with this process.

Customers who have various queries regarding TouchPoints can contact customer service on 800 ADCB (2322) or visit any of ADCB’s branches across the UAE.

There are three types of TouchPoints Cards offered at the ADCB; TouchPoints Infinite Credit Card, TouchPoints Platinum Credit Card, TouchPoints Titanium/ Gold Credit Card.

ADCB TouchPoints Infinite Credit Card

ADCB TouchPoints Infinite Credit Card

The TouchPoints Infinite Credit Card is the most preferred credit card among customers as it offers them up to five times more TouchPoints compared with other cards. The bank also provides a unique luxury gift on every customer’s birthday and anniversary that will be sent directly to their homes or offices, free of charge. Similarly, they can also redeem points against any of the bank’s luxury gifts. Also, TouchPoints members can look forward to many more exclusive privileges, discounts, and offers on different occasions.

ADCB TouchPoints Platinum Credit Card

ADCB TouchPoints Platinum Credit Card

In the same way, the TouchPoints Platinum Credit Card offers customers up to four times more TouchPoints compared to other ADCB credit cards. Additionally, the card also offers a free annual health check-up for two people and a one-night complimentary stay in any of its hotels across the UAE and abroad. Also, the bank has also partnered with different airlines to provide discounts and offers on all of their flights.

ADCB TouchPoints Titanium/ Gold Credit Card

ADCB TouchPoints Titanium/ Gold Credit Card

The TouchPoints Titanium/ Gold Credit Card offers three times more points for every AED spent compared to other credit cards offered by the bank. The members can redeem their accumulated points against a wide range of products, travel vouchers, or gift hampers from the bank’s partner companies.

3. Lulu Credit Cards from Abu Dhabi Commercial Bank ADCB 

ADCB Lulu Platinum Credit Card

ADCB Lulu Platinum Credit Card

ADCB Lulu Titanium Credit Card

ADCB Lulu Titanium Credit Card

4. ADCB Betaqti Credit Card

ADCB Betaqti Credit Card

5. ADCB Traveller Credit Card

How to apply for the Abu Dhabi Commercial Bank ADCB Credit Card?

In order to apply for the credit card, you should have a valid email address and mobile number registered with ADCB.

You can choose to apply using your personal computer or through the bank website on your phone. Once you are ready follow these steps:

  • Navigate to the ADCB website and click on “credit cards”.
  • Choose whether you want a primary or secondary card (you can only apply for one at a time).
  • Fill in all your personal details, such as name, gender, nationality, marital status, and employment status. You also need to provide an address.
  • Choose a credit limit and fill in your bank details, such as your account number.
  • You also have to provide information about the nature of your business if it is relevant for approval, for example, whether you are a public or private company or an individual entrepreneur.
  • Finally, you need to upload a copy of your passport and Emirates ID card.

Also, you can apply for the Abu Dhabi Commercial Bank ADCB Credit Card through SMS. For that reason, simply type ‘CARD’ and send it to 2626 from your registered phone number with ADCB.

Abu Dhabi Commercial Bank ADCB Credit Card Airport Lounge Access

The Abu Dhabi Commercial Bank ADCB credit card has some nice benefits for travel. If you are flying or passing through the airport often then this card has some great features to help ease your travels.

Following are the notable benefits of ADCB Airport lounge access:

Access to more than 400 Lounges 

One of these benefits is access to more than 400 lounges around the world when traveling with Etihad Airways including their premium lounge in Abu Dhabi Airport Terminal Three and also international partner lounges. You can also access lounge facilities for Etihad Airways’ regional partners, including Air Seychelles and Jet Airways.

Refresh yourself with free tea, coffee, or soft drinks!

If you are traveling with another airline they also offer guest passes to use the lounges of other airlines in their network. And if that isn’t enough, then there is always free tea, coffee, or soft drinks and access to snacks and newspapers.

Etihad Airways Premium Lounge in Abu Dhabi International Airport

These lounges include the Etihad Airways Premium Lounge in Abu Dhabi International Airport Terminal Three which is an exclusive lounge for business class passengers and first-class guests only with a dedicated check-in desk, wider seating area, and more dining options than any other airport lounge in the UAE. You can also find showers here for those who need to freshen up before their flight.

Separate seating area with more dining options

For guests traveling in economy class, also have access to the Etihad Airways Business Class Lounge. This lounge includes an exclusive check-in desk and separates seating area with more dining options than any other airport lounge in Abu Dhabi. There are showers here as well if you want to freshen up before your flight.

Plenty of International Airlines Included 

Also in Terminal Three at Abu Dhabi International Airport you will find the Etihad Airways First Class Lounge. This is another exclusive lounge for use by first-class guests traveling by Etihad Airways or other partner airlines of theirs including Air-Berlin, Air Serbia, Cathay Pacific, and Jet Airways. There are showers here if needed and of course wider seating areas and more dining options than any other airport lounge in the UAE.

Several International Airports Covered 

You can also find dedicated Etihad Airways lounges at Cairo International Airport, Bahrain International Airport, Al Bateen Executive Airport (Abu Dhabi), Lahore Allama Iqbal International Airport, Queen Alia International Airport Amman-Jordan, King Abdulaziz International Airport Jeddah-Saudi Arabia, Hamad International Airport Doha-Qatar, and at the Mohammed V International Airport Casablanca Morocco.

ADCB Travel Essentials Kit

When traveling to more than one destination it is nice not having to pack liquids or aerosols of more than 100ml each for your carry-on luggage including all the toiletries you need. Instead, you can take advantage of the ADCB Travel Essentials Kit that comes with your Abu Dhabi Commercial Bank ADCB credit card.

ADCB Special Service Desk at GVK One Mall in Mumbai India

And speaking of traveling, if you need to get somewhere fast then they have a dedicated service desk at GVK One Mall in Mumbai India. Here you can exchange foreign currencies for Indian rupees or vice versa.

Abu Dhabi Commercial Bank ADCB Credit Card Application Tracking

ADCB Credit Cards are one of the most widely used financial products by their customers. The ADCB credit cards offer a range of cards to meet your individual lifestyle needs and preferences, whether you want cash back rewards or special offers on mobile phones. You can apply for an ADCB Credit Card online or visit your nearest ADCB branch.

Follow the following steps for ADCB Credit Card Tracking:

  • Enter your card number or a part of it. e.g: 1234XXXXXXX, enter only the Xs (leave out spaces and hyphens).
  • You can also use any existing user-id to track an application if you know the date applied.
  • Search results will be displayed accordingly.
  • If you don’t find your application, please contact ADCB on – or visit the nearest branch to inquire about it.

ADCB Credit Card Application Reference Number

Abu Dhabi Commercial Bank ADCB credit card application reference number is used to identify the account from which a payment has been made, either by cheque or electronic transfer. It can be found on your monthly statement and ATM slip. In case of lost/stolen cards, you will find them printed behind the front side of your card.

How can I find the Abu Dhabi Commercial Bank ADCB credit card application reference number?

You can find your Abu Dhabi Commercial Bank ADCB credit card application reference number on your credit card statement.

How does my credit rating affect my loan application at ADCB?

Your credit rating affects your ability to be approved for a loan. If you have good credit, then it is easier for the ADCB lenders to approve you.

ADCB Credit Card Amazon Offer

You can enjoy up to 70% off at Amazon ae with ADCB Credit Cards. Also, get up to AED 200 worth of free gifts when you shop at amazon ae with your ADCB Credit Cards. Similarly, get up to AED 200 worth of free gifts when you shop at amazon ae with your ADCB Credit Cards.

However, the following terms and conditions would apply:

The offer is valid up till November 2021. The offer can be used only once per customer during the campaign period. The gifts are subject to availability while stocks last.

Also, the offer is applicable on all products across Amazon’s website including Electronics, Appliances, and Home & Kitchen categories. Furthermore, this excludes Kindle devices that will not be eligible for the free gift.

  • There is no minimum purchase requirement under this campaign.
  • If you get paid by ADCB personal loan, you get an additional AED 50 off on your purchase.
  • If you pay by ADCB credit card for the same transaction with Amazon under this offer, then you get free shipping of products later than AED180 in value and up to 70% discount on products worth more than AED200.
  • This offer is not available on Amazon.com or any other international version of the website.
  • If you are an ADCB customer using your credit card for shopping at amazon ae under this offer, then you can earn extra points as well through selected offers by ADCB Credit Cards during the campaign period.
  • These offers would be communicated to you via your ADCB Credit Card account.
  • You can check these offers and activate them in your online ADCB Account or via the app.

Finally, if you wish to avail of this offer by using an existing Amazon coupon code or a voucher from another retailer, then it should be applied during checkout before proceeding with payment. In addition, any amount paid using an Amazon coupon code or a voucher from another retailer will not be treated as a purchase under this offer.

How to check the balance of the Abu Dhabi Commercial Bank ADCB Credit Card?

In order to check the balance of your ADCB credit card, you can follow these steps:

  • Start by logging into your ADCB online banking account.
  • Once logged in click on “My Credit Card”.
  • You will then see the balance of your current statements as well as the total amount owed for all past-due charges.
  • The next section shows what charges are pending and how much they are for.

You can also request a balance transfer from ADCB if your credit card is low on funds and you don’t want to add more money to it, which will incur an interest fee. If the amount owed is too much for one statement cycle or not enough cash in your account when they charge the balance, ADCB may send you a notice that the amount is due.

ADCB Credit Card Billing Cycle

The billing cycle of your credit card starts on the day you receive it and ends on the date of the month indicated in front. ADCB will send you a statement indicating your outstanding balance at least once every three months until told otherwise by you, whether this is for money lent to them or by way of repayment. You must pay ADCB within 30 days of the date on your statement.

For example: If you receive a new credit card on 15 December then the billing cycle will start and end every month and ADCB will send you a statement at least once every three months until told otherwise by you. You must pay us within 30 days of the date on your statement.

This means you must make your payment by 15 January, 30 March, and 15 May (and so on). If you do not pay ADCB in full on any due date, they may charge interest on all outstanding amounts at their standard rate plus two percent (the current rate is 22%), or such other rates as ADCB may from time to time determine, and they can also charge you a late payment fee.

If your statement is not received by the due date as indicated on it (for example, if there has been an interruption in postal services) then payments will still be due within 30 days of the original due date. For example: If receipt of your statement is delayed and you do not receive it until 15 January, payment must be made by 15 February.

If a cheque or draft has been returned unpaid, ADCB will assess any additional charges on the basis of market rates at that time. If we have already sent you a request for repayment in accordance with clause 12 above, then the entire amount outstanding will become due and payable immediately.

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