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Credit Cards Betaqti Credit Card


Exclusively for Emiratis

Your unique personality deserves a card that represents it. A metal, laser-etched card that showcases your name and grants you complete control of the card, in addition to travel and lifestyle benefits and much more.
VOX Cinemas
Buy one, get one free including THEATRE
Gold’s Gym
Complimentary access to all clubs across the UAE
Caribou Coffee
Buy one, get one free on coffee
Airport Lounges
Complimentary access to over 1,000 lounges around the world
300,000 TouchPoints
As a welcome bonus

Keep in mind

  • An annual fee of AED 2,100 (inclusive of VAT) is applicable
  • Revised Touchpoints earn rate are effective from 25 October 2020. For more details please click here.
TouchPoints Rewards

Embark on a rewarding journey with your Betaqti Credit Card:

  • Receive 300,000 TouchPoints as a welcome gift
  • Earn up to 3 TouchPoints for every AED 1 spent with your card

Revised Touchpoints earn rate on retail purchases

A) Revised TouchPoints earn rate on in-country purchases at select merchant categories

All retail purchases made at UAE based merchants in the following categories will earn TouchPoints at revised earn rates:

Merchant categories Touchpoints per AED 1 purchase
Fuel, Education, Government Service, Real Estate, Telecommunication, Charity, Transport 0.35 point
Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants (i.e. fast food restaurants) 0.70 point

Classification of merchants in the abovementioned categories will be as per prevailing MasterCard guidelines.

B) Revised TouchPoints earn rate on purchases at merchants based in Europe

All retail purchases made at merchants based in Europe (i.e. countries which are part of European Economic Area) will earn TouchPoints at revised earn rate:

Merchant categories Touchpoints per AED 1 purchase
All merchants 0.40 point

Classification of merchants based in European Economic Area will be as per prevailing MasterCard guidelines.

The above-mentioned changes are effective from 25 October 2020.

Anniversary Rewards

Annual Spend Amount Bonus Reward
AED 500,000 750,000 TouchPoints
AED 350,000 500,000 TouchPoints
AED 250,000 250,000 TouchPoints

What can you do with your TouchPoints?

You can accumulate your TouchPoints over a period of time and redeem them for shopping or dining vouchers, airline tickets and upgrades, paying your utility bills and much more. To learn more about the TouchPoints program, please click here.

Etihad Guest Miles Emirates Skywards Miles Merchant Partners
14 TouchPoints = 1 Mile 18 TouchPoints = 1 Mile Instant redemption at 1,500+ locations


Lifestyle Benefits

Upgrade your cinema experience and discover a new exciting way to watch the latest movies for less. Enjoy exclusive privileges at VOX Cinemas THEATRE, GOLD and KIDS experiences:

  • Buy one ticket, receive another free
  • 20% discount on select meals

Click here to book your tickets.

Enjoy complimentary access to all Gold’s Gym clubs across the UAE with your Betaqti Credit Card. Additional benefits include unlimited group exercise classes, complimentary Wi-Fi as well as complimentary towel and locker room service.

Simply present your Betaqti Credit Card and Emirates ID at the club reception to gain entry. For a complete list of locations, including ladies-only gyms, please click here.

Coffee with family and friends is now more enjoyable than ever before with your Betaqti Credit Card. Enjoy a complimentary beverage on us all year round with an unlimited buy one, get one free offer at Caribou Coffee. Please note that the offer is not valid on delivery orders and bottled beverages

Our luxury lifestyle experts will customise your travel plans, reserve the best tables at the finest restaurants, get you tickets to sold-out shows and much more.

Call the Mastercard World Elite Concierge Desk on 800 0444 0426 (in the UAE) or +1 312 843 5336 (outside the UAE).

Our exclusive partnerships with a range of premium, hand-picked brands ensure you receive the best tailored offers and discounts to suit your lifestyle. Some of our partners:

  • Al Mandoos
  • The Coffee Club
  • Jumeirah at Etihad Towers, Abu Dhabi
  • The St. Regis Abu Dhabi

Click here to learn more.

Get 20% off grocery or food orders twice a month on Talabat

How it works:

  • Add your MasterCard card on the Talabat app or Download Talabat app from the App Store or Google Play Store.
  • Simply enter promo MASTERCARD at checkout to enable up to 20% discount, on two orders on grocery or food delivery.

Terms and Conditions:

  • Offer is valid from 1st November 2021 onwards.
  • 20% discount will apply once users insert code MASTERCARD in promo code field at checkout in order to avail the discount.
  • 20% discount capped at AED 14.

Travel Benefits

You and an accompanying guest can relax and enjoy the opulence of the exclusive Diamond Lounge at the VIP Terminal, Abu Dhabi International Airport before you travel. Plus, you’ll also benefit from unlimited access to more than 1,000 regional and international airport lounges elsewhere.

Click here for an updated list of lounges.

Receive unlimited access to more than one million public Wi-Fi hotspots worldwide, on the ground and in the air, with Boingo.

Simply create your account through and login online or through the Boingo App to enjoy your complimentary access. For assistance, call Boingo Customer Support on 8000 3570 3626.

Receive up to 10% cashback - book your next holiday on with an Betaqti Credit Card

How to use:

Please note that the cashback will be credited to your card. The cashback will be credited at least 64 calendar days after completion of your stay in the accommodation.

Upgrade yourself to the Hertz Gold Plus Rewards President’s Circle and enjoy up to a 15% discount on all rentals, guaranteed free upgrades and much more.

Click here to enrol in Gold Plus Rewards and get upgraded to President’s Circle status.

With Avis, you’ll receive up to a 25% discount on all rentals in addition to a free upgrade and 10% off premium chauffeur services.

Click here to make a reservation.

Enjoy peace of mind with comprehensive travel insurance that includes medical and inconvenience cover, plus a car rental collision and loss damage waiver. You can now also generate your travel insurance confirmation letter online in an instant.

Click here to generate your travel insurance letter or to submit a claim.

Your DISCOVERY Black-level Membership from Global Hotel Alliance delivers exclusive benefits at more than 500 luxury hotels and resorts around the world where you’ll enjoy room upgrades, guaranteed room availability and early check-in and late check-out as standard.

Call the World Elite Concierge Desk on 800 0444 0426 (in the UAE) or +1 312 843 5336 (outside the UAE) to enrol in DISCOVERY and get upgraded to Black membership.
To learn more, click here.

Mastercard World Elite Benefits

To learn more about Mastercard World Elite benefits, click here.

Card Control Feature

Enjoy complete control of your card transactions and set spend limits with the Card Control feature through the ADCB Mobile App.

  • Set daily spend limits
  • Block all transactions
  • Block online transactions
  • Block in-store transactions
  • Block foreign transactions
  • Block ATM cash withdrawals

  • Login to the ADCB Mobile App
  • Set monthly spend limits
  • Click on ‘My Accounts’ and then ‘Credit Cards’
  • If you have more than one card, select the credit card you would like to control
  • Scroll down and click on 'Card Control Settings'

Other Benefits

Manage your card account 24/7 with our multi-functional Mobile App and Personal Internet Banking. Pay all your utility bills, mobile phone bills, school and college fee payments, Salik and credit card payments and redeem TouchPoints wherever you are.

Available within 90 days of card registration. Plus, have the flexibility to repay in up to 24 months.

Need cash against your available credit limit? Benefit from low interest rate and repay in easy installments of up to 48 months. Simply call us or SMS ‘CCL’ to 2626 and the money will be transferred to your account within 2 working days. This is subject to terms and conditions and bank approval.

Save on interest expenses by transferring your outstanding balances from other bank credit cards to an ADCB Credit Card. You can also enjoy the flexibility of low interest rate and repay in easy installments of up to 48 months. Simply call us or SMS ‘BT’ to 2626 for a callback. This is subject to terms and conditions and bank approval.

Beat the stress of paying back any of your high value purchases by converting transactions into personal payment plan at low interest rates with tenures of up to 48 months. Simply call us or SMS ‘PPP’ to 2626 for a callback. Shop at our wide range of partners and pay back in instalments with zero interest charges and low processing fees for up to 12 months. Simply call us or SMS ‘PPP’ to 2626 for a callback. For detailed list of participating partners, visit

Does it feel like your child’s school fees are increasing? With your ADCB Credit Card you can convert your child’s school and college fees into installments with zero interest charges and low processing fees for up to 12 months. Simply call us or SMS ‘SCHOOL’ to 2626 for a callback

ADCB gives you the convenience to pay as little as 5% of your outstanding balance each month, and carry the balance forward to the next billing cycle. You can make payments for your card’s outstanding amount through any of our convenient channels:

  • Personal Internet Banking: Click on the “Credit Card Payment” option under the “Credit Card” menu
  • Mobile Banking App: Select which Credit you wish to make payment for and choose “Manage your Credit Cards” tab
  • Branches and Cash Deposit Machines: You can also pay through any of our branches and Cash Deposit Machines

You can also set-up Auto Debit instructions to make payments from your ADCB Savings or Current account. To activate Auto Debit, please call 600 50 2030 or visit the nearest ADCB branch.

Alternatively, you can make payments at Al Ansari Exchange or at LuLu Exchange branches. A nominal transaction fee of AED 5 per payment transaction will be charged for bill payments through partner payment locations, such as exchange houses.

Pay your credit card retail balance in small affordable monthly payments with FlexiPay. Low interest rates, zero documentation and repayment period up to 48 months. SMS FLEXIPAY to 2626 for a call back or apply through Personal Internet Banking. Visit for more details.

Fees and Charges

Click here to view the fees and charges.

Terms and Conditions

For detailed and most updated terms and conditions on each of the features and benefits provided on your credit card as featured in this section, please click here. For credit card general terms and conditions, please click here. All terms and conditions are subject to change without prior notice. All offers are made available on best effort basis and at the sole discretion of ADCB. ADCB makes no warranties and assumes no liability in respect to the products and services provided by the vendors/partners/service providers. For more information, please call ADCB Emirati on 600 555 000.

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 600 555 000.

Apply through SMS

SMS 'BETAQTI' to 2626.

Visit us

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