Embark on a rewarding journey with your TouchPoints Gold or Titanium Credit Card.
Earn up to 0.5 TouchPoint for every AED 1 spent with your card
Receive 5,000 bonus TouchPoints when you spend AED 5,000 each month
Qualifying spends includes all retail transactions (net of reversals and refunds) and excludes any form of disputed purchases and cash withdrawals.
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. For more information on TouchPoints, please visit click here.
Etihad Guest Miles
18 Touchpoints = 1 mile
14 Touchpoints = 1 mile
Instant redemption at
over 1500+ locations
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:
Touchpoints per AED 1 purchase
Fuel, Education, Government Service, Real Estate, Telecommunication, Charity, Transport
Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants (i.e. fast food restaurants)
Classification of merchants in the abovementioned categories will be as per prevailing Visa and 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:
TouchPoints per AED 1 purchase
Classification of merchants based in European Economic Area will be as per prevailing Visa and MasterCard guidelines.
The above-mentioned changes are effective from 25 October 2020.
Need cash against your available credit limit? Benefit from a zero interest rate and repay in easy installments of up to 12 months. Simply call us or SMS ‘CCL’ to 2626 and the money will be transferred to your account within 3 working days. Zero interest rate is only valid for first 3 months from card issuance date. This is subject to terms and conditions and bank approval.
Save on interest expenses when you transfer your outstanding balances from other bank credit cards to an ADCB Credit Card. You can also enjoy the flexibility of zero interest rate and repay in easy installments of up to 12 months. Simply call us or SMS ‘BT’ to2626 for a callback. Zero interest rate is only valid for first 3 months from card issuance date. This is subject to terms and conditions and bank approval.
Instalments Payment Plans
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 www.adcb.com/offers
0% interest on School fee payments
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 for up to 12 months. Simply call us or SMS ‘SCHOOL’ to 2626 for a callback
Enjoy a maximum of 55 interest-free days, when you continue to pay your outstanding balance in full by the due date.
Manage your card through our mobile app and internet banking
Pay all your utility bills, mobile phone bills, school and college fees, Salik recharge and credit card payments through our mobile app or internet banking platforms.
Convenient payment options
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
Set up Auto Debit Instructions
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.
Credit Shield with complimentary life cover
Credit Shield is an optional service which covers your credit card outstanding balance against any emergencies. A nominal charge is billed on a monthly basis and applicable for Accidental Death, Total & Permanent Disablement due to Accident/Sickness, Critical Illness and Involuntary Loss of Employment (ILOE) cover. Complimentary (Free) life cover including Natural death and Top-Up life is included when applying for Credit Shield.
To apply, call us or SMS ‘SHIELD’ to 2626 for a callback. For detailed information, please visit www.adcb.com/shield.
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 www.adcb.com/flexipay for more details.
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 on 600 50 2030
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 the application form.