10,000 reasons to switch to ADCB

Earn up to AED 10,000 worth of TouchPoints

Basic information

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Up to AED 10,000 worth of TouchPoints. Switch to ADCB

Also, earn attractive interest rates on your Super Saver Balances.

How Do I Qualify

Salary Transfer Rewards*
Earn rewards up to AED 4,000 worth of TouchPoints when you transfer your salary and spend AED 1,000 on your ADCB Credit Card.

CASA Balance Rewards**
Earn rewards up to AED 3,500 worth of TouchPoints when you increase your balances in your ADCB included.

Personal Loan Rewards**
Earn rewards up to AED 2,500 worth of TouchPoints when you subscribe for Personal Loan.

Total Rewards
Earn rewards up to a total of AED 10,000 worth of Touchpoints upon meeting all the criteria stated above.

*Who is eligible: Any customer (new or existing) who has not received any salary credits in an ADCB account from 1st September, 2025 onwards.
**Who is eligible: All new-to-bank ADCB customers on-boarded on or after 8th September, 2026

Salary Transfer Rewards (AED)

Net Salary Credit	UAE Nationals	Expats
AED 10,000 to less than AED 20,000	AED 1,000	AED 500
AED 20,000 to less than AED 40,000	AED 2,250	AED 1,250
AED 40,000 & above	AED 4,000	AED 2,500

3 Month Average CASA Balance Rewards (AED)

3 Month Average CASA Balance maintained only in included accounts*	Rewards
AED 100,000 to less than AED 250,000	AED 750
AED 250,000 to less than AED 500,000	AED 2,000
AED 500,000 & above	AED 3,500

*Included accounts: Individual Current, Active Saver, Active Saver Plus, Super Saver, Goal Savings, Gold and Silver accounts, Savings or Call Accounts held with ADCB except the Excluded** Accounts;

**Excluded accounts: Fixed Deposits and Investments

Personal Loan Rewards (AED)

Personal Loan Disbursed	Rewards
AED 100,000 to less than AED 250,000	AED 500
AED 250,000 to less than AED 500,000	AED 1,250
AED 500,000 & above	AED 2,500

Why pay it? Flex it

TouchPoints Flex transforms your TouchPoints into instantly accessible spending power through a digital card, allowing you to use your rewards directly for purchases at Jaywan-enabled outlets across the UAE.

Learn more

Important information

This is a limited period offer, valid from 8th September to 31st December, 2026
The customer should be an employee of the companies shortlisted by ADCB for this Offer.
Customers should not have transferred their salary to any ADCB Account after 1st September 2025.
Customers with net salary credit less than AED 10,000 (even if gross salary is greater than AED 10,000) are not eligible.
The customer should open a new Current Account or Savings Account with ADCB during the Offer Period.
The customer should spend AED 1,000 or equivalent in other currencies on an ADCB Credit Card within three (3) months after month of enrollment.
All qualified Customers who has received the rewards must agree for ADCB to put a hold of AED 1 on Customers’ Account for a period of up to 12 months from the end of the Offer Period, meeting the Salary Transfer or CASA Balance or Personal Loan Offer criteria is mandatory for a minimum of 12 months; otherwise, a claw back of the (Dirham) value of the reward will apply.
Customers may be eligible for any one, any combination, or all three Offer Rewards (more information available in the “Offer-Specific Details” section), subject to fulfilling the respective eligibility criteria for each Offer.
Customer should transfer a minimum salary of AED 10,000 or fulfill CASA Balance criteria or Personal Loan Offer within 3 months following the month of onboarding.
This offer cannot be used in conjunction with any other offering by ADCB.
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 December 2026.
Issuance of credit card is at the sole discretion of ADCB.

Terms and Conditions

Offer-Specific Details

A. Salary Transfer Offer (“Offer A”)

The Customer must meet the following criteria:

The customer should not have transferred salary to any ADCB account after 1st September 2025; and.
The customer should transfer a minimum salary of AED 10,000 within three (3) months after month of enrollment and should keep transferring the salary for a period of at least 12 months; and.
The customers with net salary credit less than AED 10,000 (even if gross salary is greater than AED 10,000) are not eligible for the Offer.
Rewards are payable only upon the successful credit of the customer's highest salary during the first three (3) months following the month of onboarding.

B. CASA Balance Offer (“Offer B”)

This offer B is valid for new to ADCB customers, meeting the below eligibility criteria:

AED 100,000 worth of the incremental average balance over August 2026 average balances in the included accounts* of the Customer in the first three months after the month of Customer on-boarding.
- *Included accounts: Individual Current, Active Saver, Active Saver Plus, Super Saver, Goal Savings, Gold and Silver accounts, Savings or Call Accounts held with ADCB except the Excluded** Accounts;
- **Excluded accounts: Fixed Deposits and Investments.
For CASA Balance Rewards (defined below), only incremental balances (over balances maintained before the offer enrollment) in the included accounts will be considered.
For Illustration:
- The customer opened the account on September 2026, average incremental balance only in the included accounts from October 2026 - December 2026 will be evaluated for the CASA Balance Reward (defined below) computation.
During the offer period, the excluded accounts are not part of the offer. Balances transferred from any excluded accounts to included accounts are not eligible for reward calculation.
Any decrease in the balance of any excluded accounts shall be compensated for by an increase in balance in the included accounts. Increases in the balance of any included accounts under such circumstance will not be eligible for the reward.

C. Personal Loan Subscription Offer (“Offer C”)

The customer must avail a new Personal Loan with a minimum disbursal amount of AED 100,000 within three (3) months from the month of enrollment. Top-up Loans, Short-Term Loans, and Micro-Loans are excluded from this Offer.

Other ways to apply

Apply through SMS

Apply through SMS 'SWITCH' to 2626

Apply through SMS 'SWITCH' to 2626

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