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Exclusively for Golden Visa holders

Switch to ADCB and get rewarded
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We received your application.

One of our representatives will call you back within 24 hours.

Welcome to a banking experience that does more for you

Enjoy preferential rates, rewards and welcome TouchPoints, exclusively for UAE Golden Visa Holders. Start banking with us to earn bonus welcome TouchPoints.

Tier 1

Salary Transfer of
AED 20,000 to AED 49,999
100,000 TouchPoints

Tier 2

Salary Transfer of
AED 50,000 and above
150,000 TouchPoints

Tier 3

Total Relationship Balance* of
AED 200,000 or above
150,000 TouchPoints

Special Offers

Personal Loan Offer

50% off Personal Loan Processing Fees

Auto Loan Offer

50% off Auto Loan Processing Fees

Mortgage Offer

25% off Fixed Rate Mortgage Processing Fees

Refer your friends

Refer your friends and colleagues to join ADCB and earn exciting rewards.

Emirati Excellency Offer

You earn 350,000 TouchPoints, or 75,000 Etihad Guest Miles. Your friend earns 80,000 TouchPoints or 15,000 Etihad Guest Miles.

Excellency Offer

You earn 250,000 TouchPoints or 50,000 Etihad Guest Miles. Your friend earns 80,000 TouchPoints or 15,000 Etihad Guest Miles.

Emirati & Privilege Club

You earn 100,000 TouchPoints. Your friend earns 50,000 TouchPoints.

View more
Refer your friends and family to Eligibility criteria Rewards that you earn Rewards that your friends and family earn
Emirati Excellency Your friend should fulfil the Emirati Excellency criteria of having a Total Relationship Balance of AED 500,000 within three months of onboarding 350,000 TouchPoints
or
75,000 Etihad Guest Miles		 80,000 TouchPoints
or
15,000 Etihad Guest Miles
Emirati Your friend should fulfil the Emirati criteria of having a Total Relationship Balance of AED 200,000 or Salary Transfer of AED 20,000 or Mortgage Relationship of AED 1,000,000 within three months of onboarding 100,000 TouchPoints 50,000 TouchPoints
Excellency Your friend should fulfil the Excellency criteria of having a Total Relationship Balance of AED 500,000 within three months of onboarding 250,000 TouchPoints
or
50,000 Etihad Guest Miles		 80,000 TouchPoints
or
15,000 Etihad Guest Miles
Privilege Club Your friend should fulfil the Privilege Club criteria of having a Total Relationship Balance of AED 200,000 or Salary Transfer of AED 20,000 or Mortgage Relationship of AED 1,000,000 within three months of onboarding 100,000 TouchPoints 50,000 TouchPoints

Refer your friends and family at your convenience and earn rewards

Easy online referrals through ADCB Personal Internet Banking.

Step 1:
Log in to ADCB Personal Internet Banking
Step 2:
Select 'Submit a Referral' from the navigation bar
Step 3:
Select the offer
Step 4:
Enter your friend's contact details and click 'Submit'

Important Information

  • The above offers are exclusively for customers holding a valid Golden Visa issued by the UAE and are subject to terms and conditions.
  • Customer must initiate a new salary transfer, and should not have transferred salary 12 months prior to initiating the new salary transfer.
  • Customer availing of the Salary Transfer offer must be employed with companies listed with ADCB.
  • For Total Relationship Balance Criteria, Customers will have to fund the account within two months of on-boarding and also maintain the balances for the next 12 months.
  • In order to qualify for the welcome rewards, customer must also spend a minimum of AED 1,000 on their new or existing credit cards within 2 months from enrolling under the proposition. E.g. If customer has been enrolled under Golden Visa Sector in the month of May, they have to initiate Salary Transfer and meet the Credit Card Spend Criteria by end of July.
  • ADCB Loan products will be made available subject to ADCB's Terms and Conditions and upon submission of acceptable documents.
  • The Personal Loan offer is only applicable on fresh personal loan and on reducing interest rates. Top-ups, Short Term Loans and Micro-loans are excluded from the promotion. Published floor rates will apply and cannot be breached. To know more, click here.
  • If you do not keep up your car loan repayments, you may lose your vehicle as the vehicle is mortgaged to the bank as security and the bank has the right to enforce the security.
  • The Mortgage offer is applicable only for Golden Visa customers on Fixed Rate Mortgage Loans. To know more about Home Loans, click here.
  • If you do not keep up your mortgage repayments, you may lose your property.
  • You may have to pay penalties if you pay off a loan early.
  • If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.
  • Member Get Member terms and conditions apply. To know more, click here.
  • The above offers cannot be used in conjunction with any other offers or promotions.
  • Salary Transfer customers must meet the relevant onboarding segment criteria to avoid fees and charges, that may apply. To know more, click here.
  • Earn rewards every way you bank. ADCB TouchPoints is the most comprehensive bank wide loyalty programe in the UAE. Whether it’s shopping, dining, leisure, Air miles, charitable donations or utility bills, TouchPoints can be redeemed in almost everything you do. Before you begin, learn more about where to earn and redeem TouchPoints on your ADCB Card. About ADCB TouchPoints
  • ADCB reserves the right to, at any time and without prior notice to terminate and/or withdraw/change the Reward, Offer and/or cancel and/or vary its benefits or features, and/or delete any of the terms and conditions stated herein without prior notice and the customer shall not be entitled to any indemnity whatsoever from ADCB.
  • *Your Total Relationship balance' is the combined Total Average balance of current account, savings account, call account, fixed deposits and investments at market value.

Other ways to apply

Apply through SMS

SMS 'GV' to 2626 from your registered mobile number.