Letters spacing
Line height
Default
Big
More big
Default
Black & White
Promotions Unlock exclusive banking benefits
Welcome to banking built around ADGM with
tailored Corporate and Retail packages
Exclusive banking benefits, reserved for companies and professionals at ADGM
tailored Corporate and Retail packages
Exclusive banking benefits, reserved for companies and professionals at ADGM
Retail
Corporate
Fee-Based packages
Register and get up to six months of cashback on the monthly package membership fees.
Smart Start Account* package AED 125 + VAT monthly
Value of services offered monthly: AED 300
Value of services offered monthly: AED 300
Essential package AED 275 + VAT monthly
Value of services offered monthly: AED 750
Value of services offered monthly: AED 750
Essential Plus package AED 375 + VAT monthly
Value of services offered monthly: AED 2,000
Value of services offered monthly: AED 2,000
Executive package AED 800 + VAT monthly
Value of services offered monthly: AED 2,750
Value of services offered monthly: AED 2,750
*No foreign currency inward and outward payments allowed.
Minimum Average
Balance **(MAB) -
Based packages
Register and benefit from up to six months of cashback rewards on account maintenance fees in case the required minimum average balance is not met.
Gold package
- No monthly fee if MAB ≥ AED 0.5 million
- Account maintenance fee AED 1500 + VAT (6 months cashback)
- Value of services offered monthly: AED 1,500
Platinum package
- No monthly fee if MAB ≥ AED 1.0 million
- Account maintenance fee AED 2000 + VAT (6 months cashback)
- Value of services offered monthly: AED 2,500
Platinum plus package
- No monthly fee if MAB ≥ AED 2.0 million
- Account maintenance fee AED 2500 + VAT (6 months cashback)
- Value of services offered monthly: AED 2,500
Please note: If the required MAB is not maintained, an account maintenance fee will apply. ADGM-registered companies will receive up to six months cashback on this fee, if they register before 31st March 2026.
**Respective MAB to be maintained in the primary AED Current Account as chosen by the Client.
Unlock Exclusive Business Loan benefits
Discounted arrangement fees
50% off arrangement fees for companies with turnover up to
AED 250M.
Special interest rates
Up to 100 bps off interest rates for companies with turnover up to
AED 250M.
Switch to ADCB
Up to AED 12,000 in vouchers for electronics. Also, earn attractive interest rates on your Super Saver Account balances.
How Do I Qualify
Salary Transfer Rewards
Earn rewards up to AED 7,000 when you transfer your salary and spend AED 2,500 on your ADCB Credit Card.
Earn rewards up to AED 7,000 when you transfer your salary and spend AED 2,500 on your ADCB Credit Card.
Relationship Balance Rewards
Earn rewards up to AED 5,000 when you maintain balances in your ADCB accounts and subscribe for two or more products.
Earn rewards up to AED 5,000 when you maintain balances in your ADCB accounts and subscribe for two or more products.
Total Rewards
Earn rewards up to a total of AED 12,000 upon meeting both criteria stated above.
Earn rewards up to a total of AED 12,000 upon meeting both criteria stated above.
Salary Transfer Rewards
| Net Salary Transfer | AED 5,000 to less than AED 10,000 | AED 10,000 to less than AED 20,000 | AED 20,000 to less than AED 50,000 | AED 50,000 and above |
|---|---|---|---|---|
| UAE Nationals | AED 500 | AED 1,500 | AED 3,000 | AED 7,000 |
| Expatriates | AED 250 | AED 1,000 | AED 2,000 | AED 5,500 |
Relationship Balance Rewards
| 3 Month Average Balance (AED)* | Reward upon Subscribing for 2 Products from the Campaign Product List |
|---|---|
| AED 25,000 to less than AED 200,000 | AED 1,000 |
| AED 200,000 to less than AED 500,000 | AED 2,500 |
| AED 500,000 and above | AED 5,000 |
Campaign Product List
| List of Eligible Products | Product Eligibility Criteria | |
|---|---|---|
| Credit Card | Minimum spend of AED 2,500 within 3 months after onboarding | |
| Gold and Silver Account | Account to be opened & funded with minimum 1 XAU or 50 XAG within 3 months after onboarding | |
| Goal Savings | Set up account & Standing Instruction within 3 months after onboarding (minimum AED 1,500 or equivalent for a minimum tenor of 3 months) | |
| Emirati Millionaire Savings Account / Millionaire Destiny Savings Account | Account to be opened & funded with a minimum of AED 25,000 for 3 months after month of onboarding | |
| Fixed Deposits | AED 50,000 minimum for 3 months | |
| Personal Loan (PIL) /Auto Loan(AL) /Mortgage Loans(ML) | Minimum Ticket size (AED): (PIL - 100,000/AL - 50,000/ ML – 1,000,000) Disbursed 3 months after onboarding | |
| Investment | Minimum investment AUM of USD 25,000 by 3 months after onboarding | |
| Bancassurance | Minimum APE of USD 12,000 by 3 months after onboarding | |
Please note:
- This is a limited period offer, valid from 1st January to 31st March 2026.
- Customers should not have transferred their salary to any ADCB Account after 1st January 2025.
- Campaign eligibility criteria must be met within 3 months following month of onboarding.
- Customers with net salary credit less than AED 5,000 (even if gross salary is greater than AED 5,000) are not eligible.
- The Customer should open a new Current Account or Savings Account with ADCB during the Offer Period.
- Customer should transfer a minimum salary of AED 5,000 or fulfill minimum total relationship balance criteria within 3 months following the month of onboarding.
- Existing customers are not eligible to enroll for Relationship Balance Rewards.
- Customer must agree to hold off AED 1 to be placed in their ADCB Account. Meeting the Salary Transfer or Relationship Balance criteria is mandatory for a minimum of 12 months; otherwise, a claw back of the (Dirham) value of the reward will apply.
- The proper campaign promo code must be used at the time of onboarding, and the Terms and Conditions should be signed and submitted by 31st March 2026.
- This offer cannot be used in conjunction with any other offering by ADCB.
- Terms and Conditions apply. Click here to know more.
- Issuance of credit card is at the sole discretion of ADCB.
- For Salary Transfer Rewards:
- Customers should spend a minimum of AED 2,500 on their credit card within three (3) months following the month of onboarding.
- Customer must be employed with companies listed with ADCB and agree to transfer their salary for 12 months consecutively.
- Reward will be calculated based on the minimum net salary credited to the account.
- For Relationship Balance Rewards:
- The Customer should subscribe for a minimum of two(2) products from the below prescribed list of products within three (3) months of onboarding and meet the respective Product criteria.
- The account balances maintained in the three months after the month of customer enrollment to the campaign will be taken into consideration. For example, if the Customer opened the Account on January 2026, average balance from February 2026 – April 2026 will be evaluated for the reward computation.
Premium mortgage deals
Sign up for exclusive rates on mortgage loans starting from 3.85% per annum for 3 years when purchasing residential properties in Al Reem Island or Al Maryah Island. The offer is also available through ADCB Islamic Banking.
Exclusive mortgage rates
- Exclusive rates starting from 3.85% per annum for 3 years
Digital home loan experience
- Instant online pre-approval via ADCB Dream Home Platform
- Convenience of secure digital signatures
- Seamless onboarding process
Additional exclusive discounts
- Discounted Processing Fees of 0.25% (+ VAT)
- Additional 0.25% discount on applicable Processing Fees for Golden Visa holders with salary transfer
- No processing fees or valuation fees apply when transferring your mortgage loan or home finance to ADCB
Unlock exclusive Personal & Car Loan offers
Personal Loan offers
Apply for your personal loan today and enjoy a discount of 0.50% per annum on our competitive interest rates. The offer is also available through ADCB Islamic Banking.
Car Loan offers
Register for an auto loan today and enjoy a flat discount of 0.10% per annum on our competitive interest rates. The offer is also available through ADCB Islamic Banking.
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 fill this form and a member of our team will contact you personally.
