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Emirati Youth Package that grows with you at every stage

Welcome bonus of up to AED 700

Scholarship draws with a total prize value of AED 1 million, in addition to 24 million TouchPoints in prizes annually

Your future starts with one step
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From your first account to your first salary — and beyond

Five reasons the Emirati Youth Programme is built around you.

Earn rewards from day one

Welcome bonuses, scholarship opportunities and exclusive partner offers — from the moment you join.

Banking built around your lifestyle

Benefits across dining, shopping, entertainment, fitness, education and digital services.

Build strong financial habits

Start saving early with accounts, deposits and investment options designed to help you plan ahead.

Unlock more as you grow

Progress from student banking to cards, financing and investment solutions as your needs evolve.

Bank digitally

Open and manage your account easily through ADCB's digital banking channels.

One programme. Three stages. Benefits that keep up with you.

Select your age group to see exactly what you'll get.

Ages 16–17
Bidaya
Your first step into saving
  • Savings Account or Emirati Millionaire Savings Account
  • No minimum balance requirement
  • Parent or guardian support during account opening
  • Supplementary credit card linked to a parent or guardian's card
  • Access to lifestyle offers and rewards

    • Welcome Bonus: AED300 (Maintain AED3,000 for 3 consecutive months)*
Ages 18-21
Tumooh
University years & first income
  • Savings account, The Elite Account and Emirati Millionaire Savings Account options
  • No minimum balance requirement
  • 365 Cashback Credit Card with first-year annual fee waiver
  • First-year annual fee waiver on eligible cards
  • 50% discount on finance processing fees
  • Preferential rates on selected financing and deposit products

    • Welcome Bonus: AED500 (Maintain AED5,000 for 3 consecutive months)*
Ages 22-30
Injaz
Where your career begins
  • Savings account, current account, the Elite Account and Emirati Millionaire Savings Account options
  • 365 Cashback Credit Card with first-year annual fee waiver
  • Investment solutions, mutual funds, bonds, SIPs, and more with Shari’ah compliant options
  • Access to Personal, Auto and Home Finance
  • 50% discount on finance processing fees
  • Preferential rates on selected financing and deposit products

    • Welcome Bonus: AED700 (upon completing 3 consecutive salary transfers within the first 90 days of account opening)*

Scholarship Draws and Monthly Prizes

Ages 16–17
AED 100,000 scholarship draw every quarter
Chance to win 1 million TouchPoints every month
Ages 18–30
AED 150,000 scholarship draw every quarter
Chance to win 1 million TouchPoints every month

Everything you need to save, spend and grow

Accounts & savings

  • Emirati Millionaire Savings Account
  • The Elite Account
  • Savings, Super Saver & Goal Savings Accounts
  • Wakala Deposits
  • Competitive profit rates & prize-linked savings

Credit cards

  • 365 Cashback Credit Card (18–21)
  • First-year annual fee waiver
  • Everyday rewards & enhanced redemption

Financing

  • Personal Finance
  • Auto Finance
  • Home Finance
  • Preferential rates & reduced processing fees
  • Relationship-based pricing benefits

Investments

  • Mutual funds
  • Bonds
  • Systematic Investment Plans (SIPs)
  • Deposit products
  • Other Shari’ah-compliant opportunities
  • Sukuk investments

Rewards and offers that fit your everyday life

Enjoy benefits from selected partners across the things you love.

View offers
Dining & cafés
Offers from selected dining and coffee partners.
Health & fitness
Gym Membership offers and discounts.
Entertainment & leisure
Complimentary discounts and exclusive offers.
Shopping & retail
Premium retail offers, rewards and exclusive discounts.

Frequently asked questions

"*Welcome bonus is subject to opening an eligible account and maintaining the required minimum balance (AED3,000 / AED5,000 / Salary transfer by age segment) for 3 consecutive months. Scholarship draws, partner offers, fee waivers and preferential rates are subject to eligibility and the programme's terms and conditions. Partner benefits may change without prior notice.
Please refer to the full Terms and Conditions.

© ADCB. Abu Dhabi Commercial Bank PJSC (ADCB) is licensed and regulated by the Central Bank of the United Arab Emirates. Terms and conditions apply.

For more information

Contact centre

Call our 24-hour contact centre on 600 55 5000