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Rewards Mechanism

  • Up to 1.5 TouchPoints for every AED 1 spent.
  • 1 AED= 0.4 points on (Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants)
  • 1 AED =0.2 points on(Education, Government service, Real state, Telecommunication)
  • 15,000 Bonus TouchPoints- For spends of AED 15,000

Why We Choose It

  • Low annual fee relatively.
  • Touchpoints upon reaching a spending threshold.
  • Generous welcoming bonus.
  • Touchpoints are also awarded for utilizing additional banking products, including current accounts, loans, and digital banking activities.

Welcoming Gift/Bonus

A complimentary 2-night stay anywhere worldwide (Capped at AED 1,200) at any property listed on Expedia.ae.

Annual Fee (inclusive of Vat)

AED 1,050

Minimum Salary Requirement

AED 30,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.69%

Rewards program

  • ADCB Touchpoints Program.
Reward Mechanism:
  • Up to 1.5 TouchPoints for every AED 1 spent.
  • 1 AED= 0.4 points on (Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants)
  • 1 AED =0.2 points on(Education, Government service, Real state, Telecommunication)
  • 15,000 Bonus TouchPoints- For spends of AED 15,000

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

  • Unlimited Complementary Lounge access for 2 persons.
  • VOX Cinemas- Buy one, get one Free in addition to a 25% discount on select meals.
  •  20% off Talabat orders, for up to AED 20 off per order on 4 orders a month.
  •  Buy 1 Get 1 free on Coffee at Caribou Coffee.
  •  15% off Noon.com for upto AED 100 once a month.
  •  Complimentary Golf Access.

Other benefits

  • Visa experience with the ENTERTAINER App offer.
  • Global Concierge.

Why We Choose It

  • Low annual fee relatively.
  • Touchpoints upon reaching a spending threshold.
  • Generous welcoming bonus.
  • Touchpoints are also awarded for utilizing additional banking products, including current accounts, loans, and digital banking activities.

What We Did Not Like

  • If the spending threshold is not reached each month, the total points accumulated will be less valuable without the bonus points.

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.