If it matters to you, It matters to us. Join the Privilege Club
Welcome to a banking experience which is built around what matters to you. At the Privilege Club, we provide you a host of everyday banking solutions which are tailored to compliment your lifestyle needs.
Keeping pace with your evolving needs is a priority for us so we provide you with personalised banking experience that is faster, easier and more secure. Complimentary Takaful Protection and a host of other tailored offers to help you achieve your financial goals.
Dedicated Relationship Manager
Your Relationship Manager is your single point of contact for everyday banking needs
In addition, we will also assign a Wealth Certified Relationship Manager to take care of your wealth planning goals
Take advantage of our preferential pricing across all our products and services, including finance and foreign exchange
Up to six free ATM transactions in the UAE and two in the GCC when using non-ADCB ATMs
Up to 5 free supplementary cards
A free debit card replacement service in case the card is lost, stolen or damaged
6 Free online outward remittance and, Free inward remittance in AED or in foreign currency.
Free teller services including cash, cheque deposits and withdrawals
3 free cheque books (25 leaves) per quarter for existing Privilege Club customers. 8 free cheque books (10 leaves) per quarter for new to bank Privilege Club customers. Additional cheque books are chargeable at AED 52.50 per book including VAT
Avail 25% Discount on Safety Deposit Locker charges, subject to availability at designated branches. Lockers of various sizes are offered on a short or long-term basis
In-branch dedicated Privilege Club banking desk
Avoid queues with priority access in our branches with Q-Matic
Mobile Banking App
24/7 Privilege Club Contact Centre:600 50 8008
Service and Product Guarantee
At Privilege Club, we assure you complete peace of mind with our Service and Product Guarantees.
Service Guarantee from ADCB Islamic Banking
To enhance our customer experience, we offer Service Guarantee for our retail banking customers. ADCB Islamic Banking Service Guarantee offers customers:
Commitment on turnaround time across distribution channels on select products and services
Efficient management of customer complaints
Select requests not processed in 2 business days, are compensated with 5,000 TouchPoints.
Product Return Guarantee from ADCB Islamic Banking
Customers applying for our retail products like covered cards, personal finance, auto finance & finance against salary facilities can return the product. No questions asked.
Covered Card can be returned within 30 days and personal finance, auto finance and finance against salary facilities within 7 days.
Earn 100,000 TouchPoints when you successfully refer a friend or family to Privilege Club
Your friend or family will earn 50,000 TouchPoints upon successful referral
You can earn rewards for up to 10 successful referrals in a year
Finances and Finance Against Salary
Delivering on our promise to develop products and services to suit your needs, we have designed flexible and attractive finance packages.
Finance Against Salary
Privilege Club members are eligible for a Finance Against Salary (FAS)
FAS amount up to three times your salary
Attractive profit rates
No Processing fees
Pay only on amount utilised
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 of up to 70% of the property value, so you can get your perfect home now instead of having to wait for your savings to grow
ADCB Islamic Banking has also tied-up with selected reputable developers for added speed and efficiency with your Home finance processing.
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%
Takaful Finance option*
Attractive profit rates
Tenure up to 60 months
*All Finance and facilities are at the sole discretion of ADCB Islamic Banking subject to the Islamic Banking consumer terms and conditions and upon submission of the documentation acceptable to ADCB Islamic Banking.
Shari'ah compliant products
To learn about our Shari'ah compliant products, please click here.
Investment & Takaful products
Privilege Club is committed to preserving and growing your wealth. With this in mind, ADCB 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, Structured Products and Takaful Products as well as Shari’ah Compliant offerings. Your Privilege Club Relationship Manager will be happy to share these with you at your convenience. Learn more
Because life can throw unexpected events your way, we have partnered with a number of recognised regional and international takaful 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 takaful for you and your family. Learn More
To qualify for the Privilege Club, you will need to maintain any of the following criteria:
A net salary transfer of AED 20,000 per month OR
A total relationship balance* of AED 200,000 OR
A Home finance relationship of AED 1,000,000
*Your relationship balance' is the combined Total Average balance of current accounts, savings account, Islamic deposits and investments at market value.
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 Islamic Banking shall be entitled to cancel the availability of all or some privileges without notice and transition or close the account.
If a Privilege Club customers fails to maintain the Privilege Club criteria then, the customer will be charged a monthly fee for not maintaining criteria. Click here to access the schedule of Fees and Charges