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Rewards Mechanism

For every USD 1:

  • 3 Reward points from ALL on spends at Accor hotels in the UAE.
  • 3 Reward points from ALL on international spends.
  • 1.5 Reward points from ALL on domestic spend.

Why We Choose It

  • Exceptional benefits at Accor hotels making the card a must-have for Accor hotels regulars.
  • Outstanding benefits are offered both within the UAE and abroad.

Welcoming Gift/Bonus

With ALL – ADCB Infinite Credit Card, get up to 50,000 Reward points, equal to €1,000 in hotel stays at Accor hotels around the world.

  • 15,000 Reward points from ALL when you apply for the card.
  • 20,000 Reward points from ALL as an introductory offer.
  • 15,000 Reward points from ALL when you spend AED 30,000 within 90 days from the card issue date.

Annual Fee (inclusive of Vat)

AED 1,575

Minimum Salary Requirement

AED 40,000

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

ALL – Rewards Program

Reward Mechanism:

For every USD 1:

  • 3 Reward points from ALL on spends at Accor hotels in the UAE.
  • 3 Reward points from ALL on international spends.
  • 1.5 Reward points from ALL on domestic spend.

Redeem points:

Redeem your Rewards points at over 4,600 Accor Hotels worldwide, including Raffles, Fairmont, Sofitel, Mercure, Ibis, and many more.

Key benefits

  • Complementary lounge access for cardholder + 1 guest
  • Free beach & pool access at select Accor hotels in the UAE: Raffles, Fairmont, Sofitel & more
  • 25% discount on dining at selected Accor restaurants in the UAE
  • 25% discount on spa at select Accor spas in the UAE
  • Upgrade to ALL Platinum status (benefits include: upgrade to suite, Executive Lounge access, early check-in, and more)
  • Exclusive benefits in the finest Accor Luxury and Premium hotels on all eligible stays that include (€50 or $50 equivalent to F&B credit per stay, Complimentary daily breakfast for 2, room upgrade, and late checkout – subject to availability).
  • Complimentary night stay on card anniversary with a condition of a two-night booking.

Other benefits

  • Mult-trip travel insurance.
  • Global concierge.

Why We Choose It

  • Exceptional benefits at Accor hotels making the card a must-have for Accor hotels regulars.
  • Outstanding benefits are offered both within the UAE and abroad.

What We Did Not Like

  • Rewards rating on doemstics spends is low.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

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