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Segments Privilege Club


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.

Key benefits

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 Life takaful and a host of other tailored offers to help you achieve your financial goals.

  • 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
  • 1 free supplementary cards
  • 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
  • Internet Banking
  • 24/7 Privilege Club Contact Centre:600 50 8008
  • uBank

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
  • Seamless processing
  • 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.


Unlock a world of possibilities with the TouchPoints Platinum Covered Card.

  • Buy one get one free at Vox Cinemas including 2D, 3D, VIP and IMAX, up to four tickets a month
  • 20% off Talabat orders up to AED 20 per order for two orders a month
  • Unlimited complimentary airport lounge access at 25 regional airports
  • Complimentary airport lounge access 3 times per year at over 1,000 airport lounges via Lounge key 
  • Complimentary golf access
  • 1 TouchPoint for every AED 1 spent
  • 0% profit on school fee
  • Receive 10,000 bonus TouchPoints when you spend AED 10,000 in a month

Click here for terms and conditions to continue enjoying the complimentary Covered Card without fees.

Click here to discover our complete range of ADCB Islamic Banking Cards.

Experience a wide range of benefits and privileges that suit your lifestyle:

Lifestyle benefits:

  • Unlimited complimentary lounge access at 25 regional airports
  • 20% discount on three rides every month with Careem
  • Up to 30% discount on airfare and hotel bookings with Cleartrip
  • 15% discount on general admission tickets and annual passes at Yas Island Theme Parks
  • 10% discount on food and beverages at Yas Island Theme Parks
  • Up to 25% discount at more than 1,500 dining, travel and entertainment outlets

Click here to for more details on the Privilege Club Platinum debit card

Privilege Club offers every member a complimentary Life takaful of AED 50,000.

Click here for Terms & Conditions

Customers are eligible for the Rotana Loyalty Card for the 1st successful referral.

  • The Rotana card offers a free staycation at any Rotana property in UAE, with dining discounts up to 25% and a lot more.
  • This staycation offer on the Rotana loyalty card is exclusive for Privilege Club.

From the 2nd successful referral onwards, customers will earn 100,000 TPs.

  • Customers can earn rewards for up to 4 successful referrals in a calendar quarter.

Click here for more details

Personal Finance

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

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 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.

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%
  • 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 services

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

Eligibility criteria

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

Terms and conditions

Click here to view the terms and conditions.

Enjoy a world-class customer experience when you bank with us.

In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.
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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 welcome you at any of our branches. Find the closest branch to you