Segments ADCB Emirati

Exclusive banking created for the ambitious Emirati

ADCB Emirati would like to welcome you to the exclusive banking experience specifically designed to fulfill your individual financial and lifestyle needs as a proud Emirati. Being a part of ADCB Emirati, you will have unparalleled access to extensive features and benefits, including exclusive lifestyle and dining offers tailored to you, complimentary global lounge, preferential rates and much more.

While you continue to pursue your success story, we look forward to being there every step of the way.

Tailored experience for you

Tailored experience for you
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Dedicated Relationship Officer*
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Priority queue at branches
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Complimentary life insurance of AED 50,000
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24/7 dedicated contact centre
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Preferential rates and fees on financial products
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No Minimum Balance Fees**
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Exclusive lifestyle discounts and offers with a wide range of stores
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Discounts and offers on travel, shopping, entertainment and much more in the UAE
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World-class investment services and bancassurance
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Safe deposit lockers

*Subject to meeting the eligibility criteria:

• Salary transfer of AED 20,000 or more; or
• Total relationship balance of AED 200,000 or more; or
• Mortgage of AED 1,000,000 or more

Total relationship balance is the total monthly average balance of current accounts, savings accounts and call accounts, in addition to fixed deposits and investments holdings (at market value).

**Total Relationship Balance of AED 5,000 or Salary Transfer of AED 5,000 or more or Mortgage Loan of AED 1,000,000 or more.

Full Suite of Loan Solutions

We offer an extensive range of products and services to fulfill all of your financial needs, including Shari’ah compliant solutions.

Unique rewards for a fulfilling lifestyle experience

TouchPoints Max


TouchPoints is ADCB’s award-winning loyalty program that gives you reward points for every ADCB product and service that you use. TouchPoints can be redeemed instantly at some of the UAE’s most prestigious retailers or for miles, gift vouchers, bill payments and much more.


For every AED 4 spent on domestic purchases


For every AED 4 spent on international purchases

Get bonus TouchPoints with TouchPoints Max partners

Earn more TouchPoints when you shop at our TouchPoints Max partners and enjoy a more rewarding shopping experience every time.
To learn more, click here.

Pay your bills with TouchPoints from ADCB Personal Internet Banking or Mobile Banking App

Convert TouchPoints for airline miles from ADCB Personal Internet Banking


Tap to Pay can be used wherever you see the contactless or Paypass™ symbol. Simply tap your card to pay at the checkout.

Mobile and Digital Wallets
Fast, secure and convenient ways to pay for your purchases using your ADCB Card.
Visit to learn more.

3D Secure Online Transactions
Get an extra layer of security verification to your online transactions for a safer shopping experience with your ADCB card.
Visit to learn more.

Chip and Pin Technology
Your ADCB card is equipped with a smart chip and pin technology which adds an extra level of security to your transactions.
Visit to learn more.

Face pass
You can use our latest Facial Recognition system that adds a new level of convenience and an additional layer of security to your digital banking experience.
Visit to learn more.