^{ADCB For You} Service Guarantee

3 Day Service Promise

• Credit cards
• Personal loans

2 Day Service Promise

• Bank accounts

To ensure that we track your application and the timelines in an efficient manner, please send us an SMS:

• Credit Card: SMS ‘C’ to 2626
• Account: SMS ‘A’ to 2626
• Personal Loan: SMS ‘P’ to 2626

In the event that we are unable to meet your request in the promised timeframe, you will earn 5000 TouchPoints as compensation. No questions asked.

To view the Terms and Conditions, click here.

ADCB promises to meet your service requests in 2 working days.

You trust us with your life’s earnings and ambitions. Naturally, our services must match up to your trust. To do so, we now offer you a guarantee to meet your service request within 2 Business Days.

ADCB is the first bank in the UAE to offer this service guarantee for:

• Personal Payment Plans
• Instalment Payment Plans
• Balance Transfers
• Credit Card Loans

However, if we are not able to meet your service request in the promised timeframe, you will earn 5000 TouchPoints as compensation. No questions asked.

Click here for Terms and Conditions.

ADCB promises to resolve your complaints in 3 working days.

We promise to resolve all complaints in 3 business days from the time the remedy request is logged with ADCB. Should the complaint take greater than 3 business days to resolve, we will compensate you with 5000 TouchPoints. *TPs will be offered on bank errors & service failures only.

Click here for Terms and Conditions.

Customers who request a credit card replacement by calling the Contact Centre or by visiting one of our branches will qualify for the Service Guarantee.

As part of our Service Guarantee promise for customers, our commitment is to deliver the replacement card by courier within four working days. Should we fail to do so, you will benefit from 5,000 TouchPoints as a compensation.

To view the Terms and Conditions, click here.

ADCB Product return policy applies to Personal Loans/Personal Finances, Smart Loans/Smart Finances, Auto Loans/Auto Finances, Overdraft Facilities/Salary Advance Facilities, Credit Cards (Conventional and Islamic) and all CASA Accounts (Conventional and Islamic).

The terms and conditions are as follows:

• The customer must apply for the ‘Product Return’ through the Branch, Contact centre or in writing to contactus@adcb.com within 7 working days of the loan disbursal or within 30 days of account opening or 30 days from credit card set up.
• For new Personal Loans, Smart Loans and Auto Loans, the facility to return will result in the loan being cancelled and all fees and charges refunded to the customer and accrued interest being reversed.
• For ‘Top up’ loans, the fees and charges will be reversed and the disbursed amount will be applied towards reducing the principal amount of the loan.
• For Overdrafts, the facility will be cancelled and any fees will be reversed.
• For Credit Cards, any fees and charges applied will be reversed but any usage on the card has to be repaid in full. Usage of the Card refers to Retail Transactions, Cash Advances, Balance Transfer or Credit Card Loans.
• For account closure, fees and charges will be waived if the account is closed within 30 days from opening.
• ADCB shall not bear any responsibility whatsoever in connection with the exercise of the product return option by the customer.