Merchant
Al Badayer Retreat
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The invitation-only ADCB Private flagship — the top TouchPoints earn rate, global lounge access and a low 0.99% foreign-currency fee.
Updated Sep 2026
| Category | Rate |
|---|---|
Grocery, Automotive, Insurance | 0.42% 0.7 points per AED |
Fuel, Education +5 more | 0.21% 0.35 points per AED |
All other spend | 2.4% 4 points per AED |
| Category | Rate |
|---|---|
Grocery, Automotive, Insurance | 0.42% 0.7 points per AED |
Fuel, Education +5 more | 0.21% 0.35 points per AED |
All other spend | 2.4% 4 points per AED |
4ADCB TouchPoints
per AED 1 on general spend.
0.7ADCB TouchPoints
per AED 1 on UAE supermarkets, auto dealers and insurance spend.
0.35ADCB TouchPoints
per AED 1 on UAE fuel, education, government, real estate, telecom, charity and transport.
0.4ADCB TouchPoints
per AED 1 on Europe (EEA) retail spend.
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21
Minimum Age
ADCB Private clients only
Requires an AED 4 million total relationship balance across accounts, deposits and investments.
Documents ready
Emirates ID + passport with residence visa
Check your AECB report
Recent rejections or missed payments can stall approval
October Spotlight
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.
EMIRATES NBD
EMIRATES NBD
EMIRATES NBD
Merchant
Al Badayer Retreat
Merchant
Al Badayer Retreat
Merchant
Al Faya Retreat
Merchant
Al Faya Retreat
Global airport lounge access
14 complimentary visits a year to 1,200+ lounges, plus a guest.
Complimentary valet parking
Valet parking at leading UAE malls and hotels.
Global concierge
24/7 concierge for travel, dining and lifestyle requests.
Travel insurance
Complimentary travel cover for the cardholder and family.
Complimentary Careem airport transfers
4 complimentary airport rides a year via Careem.
Hertz President's Circle
Up to 15% off rentals with guaranteed upgrades.
Avis Rent a Car benefits
Rental discounts, a free upgrade and 10% off chauffeur service.
DISCOVERY Titanium hotel benefits
Room upgrades at 500+ luxury hotels, plus 12% off on Cleartrip.
Farfetch shopping discount
10% off at selected brands on Farfetch.
talabat discount
20% off two grocery or food orders a month, capped at AED 14.
7,875AED
Annual Fee
1,575AED
Supplementary Card
1.99%
Retail Finance Rate
Get answers to common questions about ADCB Private World Elite Credit Card credit card
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