Privilege Club


Welcome to a richer banking experience

There is something special about standing out from the crowd and being appreciated; like being assigned your very own personal banker or having preferrential fees for the products and services you receive.

Key benefits

Enjoy an upgrade in the services and products you want, all of which are designed to deliver a personalised banking experience that is faster, easier and more secure.

From the moment you enroll as a member of the Privilege Club, you will be assigned a Privilege Club Customer Relationship Officer to manage your everyday banking needs.

In select ADCB branches, you will receive preferential services in the dedicated Privilege Club area. A Privilege Club Customer Relationship Officer will be on hand to help you deal with all your transactions as quickly and efficiently as possible.

Privilege Club offers every member a free Life Takaful of AED 50,000*.

*Terms and conditions apply.

Preferential pricing on various products and services offered by ADCB Islamic Banking.

  • Free exclusive Privilege Club Debit Card
  • Six free non-ADCB ATM transactions in the UAE a month
  • Two free ATM transactions across the GCC a month
  • Three free personalised exclusive Privilege Club cheque books each quarter
  • Safe deposit locker facilities are available to all Privilege Club members at a discounted rate, and subject to availability at designated branches. Lockers of various sizes are offered on a short or long-term basis.


The Privilege Club Debit Card is the first premium debit card in the UAE. It is packed with features and benefits designed to make your everyday purchases and payments easier and more rewarding.

  • A higher ATM withdrawal limit
  • Up to five free supplementary cards
  • Instant access to your money at over 23 million global outlets wherever you see the Mastercard sign
  • Cash withdrawal facilities at over 900,000 ATMs
  • Narrative bank statements detailing every purchase made with your card for easy spending reconciliation
  • Added card security with the latest Chip Card technology
  • Increased earning of TouchPoints on the Privilege Club Debit Card
  • Enjoy access to the below lounges with your Privilege Club Debit Card
  • Experience a fun ride at Yas attractions with the Privilege Club Debit card, click here for details
  • For a comprehensive list of all the features and benefits available on your Exclusive Privilege Club Debit Card

Celebrate life’s success with an ADCB Islamic Banking Credit Card. Learn More.

Investment services

Privilege Club is committed to preserving and growing your wealth. With this in mind, ADCB Islamic Banking has partnered with some of the world’s most renowned investment managers to provide world-class investment and protection solutions to suit your aspirations and risk sensitivity. These include Mutual Funds, Systematic Investment Plans and Takaful Products. Your Privilege Club Relationship Manager will be happy to share these with you at your convenience.

Takaful Products

Because life can throw unexpected events your way, we have partnered with a number of recognised regional and international companies in order to offer you and your family the best in class available protection packages.

To guide you, Privilege Club has specialist Takaful advisors to help you find the right programme for you and your family.

Personal Finance

Delivering on our promise to develop products and services to suit your needs, we have designed flexible and attractive finance packages.

Home Finance

As a Privilege Club member, Home Finance facilities from ADCB Islamic Banking give you the following advantages:

  • Repayment period of up to 25 years - the best in the UAE meaning you pay less each month, so you can afford a bigger property
  • Finance amount of up to 85% of the property value for UAE Nationals and 70% for expats

ADCB Islamic Banking has also tied-up with selected reputable developers for added speed and efficiency with your Home Finance processing.

Auto Finance

We've kept a keen eye on the market to offer you competitive flexible Auto Finance that give you value beyond compare:

  • Finance up to 80%
  • Comprehensive Takaful Finance option*
  • Attractive profit rates
  • Tenure up to 60 months

*All finances are at the sole discretion of ADCB Islamic Banking, subject to ADCB Islamic Banking’s terms and conditions and upon submission of documentation acceptable to ADCB Islamic Banking.

Eligibility criteria

To become a member of our exclusive Privilege Club, you must have:

  • A minimum monthly relationship balance* of AED 200,000; or
  • A Home Finance relationship of minimum AED 1,000,000; or
  • A salary transfer of AED 20,000 or more

For more information, click here.

*Relationship balance is the combined total average balance of Current Account, Savings Account, Special Savings Account, Deposits and Investments held onshore or offshore.

Membership enrollment to the Privilege Club is subject to Terms and Conditions.

If an eligible customer fails to maintain the Privilege Club criteria for three consecutive months, then ADCB shall be entitled to cancel the availability of all or some privileges without notice and transition or close the account.

Terms and conditions

Click here to view the terms and conditions.


ADCB Islamic Banking shall not be held responsible for any incident, personal injury or death arising out of or in connection with the customer participation in any of the entertainment services and/or rewards and/or benefits offered by ADCB Islamic Banking.

ADCB Islamic Banking reserves the right to amend and/or cancel the abovementioned Terms and Conditions at any time without prior notice, and the customer shall not be entitled to any indemnity or compensation of whatsoever nature arising out of or in connection with such amendment and/or cancellation.

Other ways to apply

Contact centre

Contact centre

Call our 24-hour contact centre on 600 50 8008.

Visit us

Visit us

We will be happy to receive you in any of our branches.

Branches & ATMs