Lifestyle
Merchant
French Clinics
15% discount on selected dental services at French Clinics
Valid until 19 Aug 2026
- Joining Fee
- AED 7,875
- Annual Fee
- AED 7,875
- Minimum Salary
- AED 200,000
ADCB Private World Elite Credit Card
The invitation-only ADCB Private flagship — the top TouchPoints earn rate, global lounge access and a low 0.99% foreign-currency fee.
≈ AED 9,120 potential value / year · incl. perks
Rewards
4ADCB TouchPoints
per AED 1 on general spend.
Earn 4 TouchPoints per AED 1 on eligible retail spend — the highest earn rate across the ADCB TouchPoints range.
See full breakdown0.4ADCB TouchPoints
per AED 1 on supermarkets, auto dealers and insurance spend.
Reduced earn of 0.4 TouchPoints per AED 1 on supermarket, auto dealer and insurance transactions.
See full breakdown0.2ADCB TouchPoints
per AED 1 on fuel, education, government, real estate, telecom, charity and transport.
Reduced earn of 0.2 TouchPoints per AED 1 on fuel, education, government, real estate, telecom, charity and transport spend.
See full breakdown0.4ADCB TouchPoints
per AED 1 on UK and Europe (EEA) retail spend.
Reduced earn of 0.4 TouchPoints per AED 1 on retail purchases at merchants based in the UK and European Economic Area.
See full breakdownRewards Calculator
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Eligibility
21
Minimum Age
200,000AED
Minimum Income
ADCB Private clients only
Issued by invitation to clients of the ADCB Private wealth segment.
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Offers
See all 2829View offer
Lifestyle
Merchant
Philippine House Restaurant
10% discount on F&B at Philippine House Restaurant
Valid until 19 Aug 2026
Lifestyle
Merchant
Kidz Factory
Up to 15% discount on selected packages at Kidz Factory
Valid until 20 Aug 2026
Lifestyle
Merchant
Keni Soi Restaurant
15% discount on F&B at Keni Soi Restaurant
Valid until 21 Aug 2026
Additional Benefits
Global airport lounge access
14 complimentary visits a year to 1,200+ lounges, plus a guest.
No minimum spend requiredComplimentary access to over 1,200 airport lounges worldwide via Mastercard Travel Pass — 14 visits per year shared across the primary and supplementary cardholders, with one guest per visit. Additional guests are charged USD 32 per visit.
See full breakdownComplimentary valet parking
Valet parking at leading UAE malls and hotels.
Complimentary valet parking at participating malls, hotels and dining venues across the UAE.
See full breakdownGlobal concierge
24/7 concierge for travel, dining and lifestyle requests.
A 24/7 global concierge service handles travel, dining and lifestyle requests for cardholders.
See full breakdownTravel insurance
Complimentary travel cover for the cardholder and family.
Complimentary multi-trip travel insurance for the cardholder and eligible family members when travel is booked on the card.
See full breakdownFees
7,875AED
Joining Fee
7,875AED
Annual Fee
3.69%
Monthly Interest Rate
3.69% per month (44.28% per annum).
Late Payment FeeAED 241.5*
*Charged if the minimum payment due is not received by the payment due date.
Over Limit FeeAED 288.75*
*Charged when the balance exceeds the credit limit.
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 105, whichever is higher.
International Transaction Fee (non-AED)0.99%*
*0.99% of the transaction amount for non-AED spend.
Foreign Currency Transaction Fee (AED abroad)0.99%*
*0.99% on foreign-currency transactions settled in AED abroad.
Card ReplacementAED 78.75
Supplementary CardFree*
*Complimentary.
Credit Shield1.04%*
*Optional; charged monthly on the outstanding balance when enrolled.
Frequently Asked Questions
Get answers to common questions about ADCB Private World Elite Credit Card credit card
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