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Rewards Mechanism

For every USD 1:

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

Why We Choose It

  • Generous welcoming bonus.

Welcoming Gift/Bonus

With ALL – ADCB Signature Credit Card, get up to 25,000 Reward points, equal to €500 in hotel stays at Accor hotels around the world.

  • 7,500 Reward points from ALL when you apply for the card.
  • 10,000 Reward points from ALL as an introductory offer.
  • 7,500 Reward points from ALL when you spend AED 20,000 within 90 days from the card issue date.

Annual Fee (inclusive of Vat)

AED 1,050

Minimum Salary Requirement

AED 20,000

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:

  • 2 Reward points from ALL on spends at Accor hotels in the UAE.
  • 2 Reward points from ALL on international spends.
  • 1 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

  • Complimentary lounge access for the cardholder (Signature tier, with limited free visits per year)
  • 50% discount on beach and pool access at select Accor hotels in the UAE, including Raffles, Fairmont, Sofitel, and more.
  •  35% off all-inclusive beach access at select Rixos resorts in the UAE.
  •  25% discount on dining at select Accor restaurants in the UAE.
  •  25% discount on spa at select Accor spas in the UAE.
  •  Complimentary night stay on card anniversary with a condition of a two-night booking.
  • Upgrade to ALL Gold status (benefits include room upgrade, early check‑in, late checkout, and other Gold‑tier advantages)

Other benefits

  • Mult-trip travel insurance.
  • Global concierge.

Why We Choose It

  • Generous welcoming bonus.

What We Did Not Like

  • Benefits are mainly discounts, rather than complimentary.
  • The rewards rating for domestic spending is low.

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.

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