The bank was formed in 1985 as a public shareholding company with limited liability. The bank is a result of a merger between Khaleej Commercial Bank, Federal Commercial Bank, and the Emirates Commercial Bank. The government of Abu Dhabi is the majority shareholder in the bank. The bank employs people of 80 nationalities and serves in retail and corporate banking.
Going cashless is the easiest and the most convenient way. In this era, everyone has credit and debit cards. Credit cards are the fastest mean of financing. Abu Dhabi Commercial Bank offers a variety of credit cards for consumers to choose from according to their needs and requirements.
Cards offered by ADCB
- ADCB Islamic Gold Card
- ADCB Etihad Guest Above Classic Card
- ADCB Etihad Guest Above Gold Card
- ADCB TouchPoints Titanium Credit Card
- ADCB TouchPoints Platinum Credit Card
1. ADCB Islamic Gold Card
The card offered by ADCB requires a minimum salary of AED 8,000. The card does not offer any balance transfer or cashback facilities. The foreign exchange is applicable at a rate of 2.99%. The monthly fee charges are AED 210. The card is great for the fact that there is no annual fee and you can earn a touchpoint for shopping vouchers.
The benefits of the card are:
- Get Touch Points rewards against purchases
- Get free purchase protection for 90 days
- Convenience to pay as little as 5% of your outstanding balance each month, and carry forward the balance to the next billing cycle
- Get an Islamic credit card shield (Takaful).
2. ADCB Etihad Guest Above Classic Card
This card requires a minimum salary requirement of AED 5,000. The card offers a balance transfer facility but it does not offer a cashback facility. The interest rate charges are 3.25%. The foreign exchange applicable rate is 2.99%. There is no annual fee on this card.
The benefits offered by the card are;
- Utility bill payment
- No Annual Fees on this card
- Personal payment plan
- Balance transfer available
- Complete control of your account through ADCB mobile app
- Various discounts & benefits to Yas Water World and Ferrari World
- Optional enrollment to Credit Shield with a nominal monthly fee
3. ADCB Etihad Guest Above Gold Card
This card offers balance transfer facilities but no cashback option. The minimum salary requirement for this card is AED 5,000. The foreign exchange applicable rate is 2.99%. There is no annual fee charged on this card. The interest rate charged is 3.25%.
The benefits offered by this card are;
- Balance transfer available
- Complete control of your account through ADCB mobile app
- Optional enrollment to Credit Shield with a nominal monthly fee
- Utility bill payment
- No Annual Fees on this card
- Personal payment plan
- Various discounts & benefits to Yas Water World and Ferrari World
4. ADCB TouchPoints Titanium Credit Card
This card offers balance transfer facilities but no cashback option. The minimum salary requirement for this card is AED 8,000. The foreign exchange applicable rate is 2.99%. There is no annual fee charged on this card. The interest rate charged is 3.25%.
The benefits offered by the card are;
- With My Choice, choose the rewards that fit your life. Get the freedom of choosing how you want to earn and spend your rewards while continuing to earn TouchPoints. Choose one category or choose them all, the choice is yours.
- Buy 1 Get 1 Free Movie Ticket Feature valid on 2D, 3D and IMAX movie ticket purchases
- Complimentary golf access when AED 5,000 minimum is spent.
- Enjoy a host of benefits and offers at Yas Water World and Ferrari World Abu Dhabi with your ADCB card. Get 15% discount on entry passes and merchandizes, 10% discount on food and beverages and free ticket upgrade.
- Choose from hundreds of ‘Buy-1 Get-1 Free’ complimentary offers throughout the Middle East & Africa across fine dining establishments and premium spas.
5. ADCB TouchPoints Platinum Credit Card
This card offers balance transfer facilities but no cashback option. The minimum salary requirement for this card is AED 15,000. The foreign exchange applicable rate is 2.99%. The annual fee charges on the card are AED 630 and the interest rate charges are 3.25%.
The card is great for the following reasons;
- You can build your own rewards program with My Choice
- Buy 1 Get 1 Free Movie Ticket at VOX Cinemas
- Earn Touchpoints to be redeemed.
The benefits offered by the card are:
- My Choice, choose rewards that fit your life. Get the freedom of choosing how you want to earn and spend your rewards while continuing to earn TouchPoints
- Enjoy a host of benefits and offers at Yas Water World and Ferrari World Abu Dhabi with your ADCB card. Get 15% discount on entry passes and merchandizes, 10% discount on food and beverages and free ticket upgrade
- Complimentary access to premium airport lounges
- Get access to free golf across the UAE
- Buy 1 Get 1 Free Movie Ticket Feature valid on 2D, 3D and IMAX movie ticket purchases made with your ADCB TouchPoints Credit Card
There are many other cards available as well to choose from.