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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

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.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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