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Rewards Mechanism

  • Up to 0.70 TouchPoints on international spends.
  • 0.40 TouchPoints on domestic spends.

Why We Choose It

  • Exclusive credit cards for Emiratis.
  • A metal, laser-etched card that showcases the name.
  • Comprehensive set of benefits such as travel benefits and Gym access.
  • It is suitable for both Dubai and Abu Dhabi Residents.
  • Relatively Low APR.

Welcoming Gift/Bonus

300,000 TouchPoints as a welcome bonus.

Annual Fee (inclusive of Vat)

AED 2,100

Minimum Salary Requirement

AED 10,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
2.25%

Rewards program

ADCB Touchpoints program.

Reward Mechanism:
  • Up to 0.70 TouchPoints on international spends.
  • 0.40 TouchPoints on domestic spends.

Redeem points:

Instant redemption is available at thousands of merchant locations across the UAE, and you can also use points for utility bill payments, Salik, and card payments. Additionally, points can be exchanged for Emirates Skywards Miles and Etihad Guest Miles, redeemed for vouchers, or used for Zakat and donations. Options for gifting, school fees, and e-commerce are also included.

Key benefits

  • Complementary Airport Lounge Access for two persons.
  • 6 complimentary airport transfers with Careem App.
  • Up to 10% cashback on Booking.com.

Other benefits

  • VOX Cinema – Buy one get one free.
  • Complimentary Access to Uform fitness.
  • 20% discount on Talabat Grocery & Food Delivery twice a month.
  • Buy One, Get One Free at Caribou Coffee.
  • Concierge Service.
  • Complimentary Membership in Platinum Tier of U by Emaar.
  • Travel Insurance.

Why We Choose It

  • Exclusive credit cards for Emiratis.
  • A metal, laser-etched card that showcases the name.
  • Comprehensive set of benefits such as travel benefits and Gym access.
  • It is suitable for both Dubai and Abu Dhabi Residents.
  • Relatively Low APR.

What We Did Not Like

  • High annual fee.

You ask, we answer

At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity

Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.

First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.

Our team is reviewing your data and working diligently to recommend 3 credit cards that best match your profile. Please allow 3-5 business days for this process.

Yes, our service is entirely free, and we are committed to not charging any participants unless they opt for a private consultation. However, please be aware that we may receive compensation from banks for advertising purposes on our website, but this does not influence the recommendations we provide.

Yes, your privacy and security are our top priority. We ensure that your data is handled with the utmost care. We never share your information with third parties without your consent.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.