ADCB credit cards in UAE come with a variety of special bonuses, features, and rewards. To meet the basic financial needs of individual applicants, the bank offers both conventional and Islamic credit cards. Using the ADCB credit card can be a genuinely gratifying experience for the credit card applicant.
Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.
Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.
Following are the major benefits and features offered by ADCB credit card:
1. Airport Lounge Access – With the ADCB credit card, cardholders can spend their waiting time at one of hundreds of elegant airport lounges worldwide. This privilege is extended to the principal cardholder’s guest.
2. Golf Benefits – The UAE is home to some of the best golf courses in the world. With the ADCB credit cards, the card member can avail complimentary access to some of the best golf courses across the country. Upon spending a minimum amount per month, some ADCB credit cards offer complimentary golf access.
3. Free Movie Ticket Offers – Members of select ADCB credit cards can take advantage of Buy One Get One Free offers on movie tickets at VOX Cinemas across the country. It’s good for 2D, 3D, and IMAX movie tickets purchased with an ADCB credit card on VOX Cinemas’ official website or the VOX Mobile App.
Best of all, there is no requirement for a minimum monthly purchase to be eligible for this fantastic offer. For moviegoers, this is nothing short of a pleasure.
4. Installment Plans – Majority of the ADCB credit cards offer the cardholder to convert high-value transactions into monthly installment plans at low-interest rates and tenors of up to 24 months. In addition to this, it also offers 0% installment payment plans for specific merchants.
5. No Annual Fees – Many of the ADCB credit cards are fee-free for life. ADCB credit cards compare also loaded with exciting benefits and features that enable the cardholder to make the most of their credit card.
6. Credit Shield – Credit Shield is an insurance product offered by ADCB credit cards. Abu Dhabi National Insurance Company covers any unanticipated occurrence such as critical sickness, natural death, permanent total disability, and involuntary loss of job under this insurance policy (ADNIC).
7. Convenient Payment Options – The cardholder can pay their outstanding balance on their ADCB Credit Card using Personal Internet Banking, Mobile Banking, Cash Deposit Machines, or any ADCB branch. They can also use their ADCB Savings or Current Bank Account to set up auto debit instructions to pay off their credit card payment. Members of the ADCB credit card can also pay at ENOC/EPPCO, UAE Exchange, AI Ansari Exchange, or LuLu Exchange locations.
Applying for an ADCB credit card is not difficult if the candidate meets the ADCB credit card eligibility standards. Some of the elements that go into determining whether or not an application is eligible for an ADCB credit card are as follows:
Age: In order to apply for an ADCB card, the applicant should fall in the age group of 21 years to 65 years.
Income: Each of the ADCB Credit Card comes with a minimum monthly income. It means that the applicant should have a steady source of income. They must have the proof of permanent monthly income to be eligible for ADCB credit cards.
Address Proof: A valid residence address is also required to complete the credit card application.
Credit Score: No matter how good the monthly salary is, poor credit history may result in rejection of the credit card. That is why having a good credit history is essential for getting an ADCB credit card.
1. Online Application – Banks in the United Arab Emirates now offer an online application process. Applicants can go to the ADCB official website’s credit cards area to learn more about the credit card’s features, perks, and requirements, and then choose the credit card that best suits their financial needs and requirements.
They can apply for a credit card by clicking the apply button, filling out the needed information, and submitting their application. The bank officials will verify the legitimacy of the submitted information once all of the details have been filled in.
They will decide whether or not the applicant is eligible for a credit card based on the applicant’s eligibility criteria.
2. Bank Branch Visit – The applicant can also opt for an ADCB credit card by visiting the nearest bank branch and apply for the credit card that suits their basic requirements. The applicant has to fill in all the basic details in the credit card application form. If they meet the eligibility criteria as per the bank’s guidelines, their credit card application will be taken forward.
3. Phone Banking – The applicant can also apply for an ADCB credit card by contacting the bank on their official number.
1. Documents required to complete the ADCB credit card application are as follows:
2. Passport (For expats)
3. UAE Residence Visa (For expats)
4. Emirates ID
5. Salary Certificate
6. 3 to 6 months’ bank statements Address Proofs (such as utility bills)
7. A trade license (for self-employed individuals)
The card limit on various ADCB credit cards varies. The following typical parameters are taken into account when determining the credit card limit for each applicant.
1. Type of ADCB credit card
2. Credit history of the applicant
3. Income & other debts
4. Track record with ADCB
Before using the ADCB credit card, it is critical to understand the various charges that apply. It assists in avoiding further charges. The following are the fees and charges that apply to ADCB credit cards:
1. Annual Membership Fees: Vary from card to card
2. Latepayment Fees: AED 50 (if the minimum payment due is not paid by the due date)
3. Over Limit Fees: AED 75
4. Card replacement fee: AED 75
If the cardholder is unable to use the card, they should cancel it promptly to avoid charges accruing on the unused ADCB credit card. This saves them money by preventing them from having to pay additional fees.
To cancel an ADCB credit card, the cardholder must contact the company’s customer service department and make a cancellation request. For the same, the representative may need written confirmation. Also, keep in mind that the cancel request will only be processed when the cardholder has paid the remaining balance in full. The bank will terminate the credit card once all dues have been paid.
However, the bank may also cancel the credit card from their end in the following cases:
1. If the card member has been continuously missing the payment of their credit card bill.
2. If the card member uses the card for unlawful
3. If the card has been inactive for a specific period of time (usually 12 months).
ADCB is renowned for offering innovative and customer-friendly financial services. ADCB credit cards are a prime example of their commitment to customers from all economic standings. There are a dozen of reasons to pick ADCB credit card; however, the following are the major ones.
Variety of Credit Cards – ADCB has succeeded to offer several categories for all types of credit card clients, ranging from free-for-life to high-reward credit cards. They have the option of selecting any credit card that best meets their demands, lifestyle, and budget.
Excellent Benefits & Features – Another major reason for choosing ADCB credit cards is that they are loaded with exciting benefits and features, which make the shopping experience truly rewarding.
Tie-up with Top Brands – The majority of credit cards include partnerships with well-known companies such as VOX Cinemas, The Track Meydan Golf Dubai, Yas Links Golf Club Abu Dhabi, St. Regis Hotels & Resorts, Westin, W Hotels, Sheraton, and others, which provide cardholders with additional perks and benefits.
