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Segments Privilege Club


If it matters to you, It matters to us.
Join the ADCB Privilege Club

Welcome to a banking experience which is built around what matters to you. At the ADCB 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 insurance 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 loans 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
  • Internet Banking
  • 24/7 Privilege Club Contact Centre:600 50 8008
  • uBank

At ADCB Privilege Club, we assure you complete peace of mind with our Service and Product Guarantees.

Service Guarantee from ADCB

To enhance our customer experience, we offer Service Guarantee for our retail banking customers. ADCB’s 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

Customers applying for our retail products like credit cards, personal loans, auto loans & overdraft facilities can return the product. No questions asked.

Credit Cards can be returned within 30 days and personal loan, auto loan and overdraft facilities within 7 days.


Unlock a world of possibilities with the TouchPoints Platinum Credit 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% interest 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 credit card without fees.

Click here to discover our complete range of ADCB cards.

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

Lifestyle benefits:

  • Unlimited complimentary lounge access at 25 regional airports
  • Up to 30% discount on airfare and hotel bookings with Cleartrip
  • Up to 25% discount at more than 1,500 dining, travel and entertainment outlets
  • Get 20% off grocery or food orders twice a month on Talabat
  • Enjoy 10% off selected luxury fashion brands with Farfetch

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

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

Click here for Terms & Conditions

  • Earn 100,000 TouchPoints when you successfully refer a friend or family to ADCB 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

Click here for more details

Personal Loans

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

Overdraft Facility

ADCB Privilege Club members are eligible for an overdraft facility of AED 10,000.

  • Overdraft amount up to three times your salary
  • Attractive interest rates

Overdraft against Deposits an overdraft facility specially designed to offer you the liquidity without compromising the returns on your fixed deposits. Your fixed deposits continue to earn interest for you, while you avail finance against them.

  • No Overdraft processing fees
  • Borrow up to 90% of the deposit amount
  • Pay interest only on the amount utilised


As an ADCB Privilege Club member Mortgage facilities from ADCB 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
  • Mortgage amount 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 has also tied-up with selected reputable developers for added speed and efficiency with your mortgage processing.

Mortgage Overdraft

It’s amazing how much of your interest costs you can cut with an ADCB Mortgage Overdraft. The ADCB Mortgage Overdraft is first of its kind in the UAE. You can also enjoy the following benefits:

  • Interest levied only when you withdraw
  • Withdraw money for any purpose - as and when needed
  • Operate your overdraft account as your 'normal current account'
  • Up to 65% finance available against your completed residential property
  • Maximum tenure of 15 years

Car Loans

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

  • Finance up to 80%
  • Insurance Finance option*
  • Attractive interest rates
  • Tenure up to 60 months

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

Shari'ah compliant products

  • To learn about our Shari'ah compliant products, please click here.

Click here to know more

Investment services

ADCB 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, Hedge Funds, Structured Products and Insurance 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 insurance companies in order to offer you and your family the best in class available protection packages.

To guide you, ADCB Privilege Club has specialist insurance advisors to help you find the right insurance for you and your family. Learn More

Eligibility criteria

To qualify for the ADCB 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 Mortgage relationship of AED 1,000,000

*Your relationship balance' is the combined Total Average balance of current account, savings account, call account, fixed deposits and investments at market value.

Membership enrollment to the ADCB 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.

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

The above eligibility criteria is indicative only. ADCB is entitled, at its sole discretion, to approve/decline a customer’s application to subject to ADCB Policies. Terms and conditions apply.

Terms and conditions

Click here to view the terms and conditions.

Apply Now

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

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

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you