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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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ADCB Private World Elite Credit Card
Joining Fee
Not separately stated
Annual Fee
AED 7,875
Minimum Salary
ADCB Private clients

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.

Updated Sep 2026

≈ AED 9,120 potential value / year · incl. perks
WebsiteVisit ADCB Private World Elite Credit Card credit card website

At a glance

Fees and eligibility

Joining FeeNot separately stated
Annual FeeAED 7,875
Minimum Salary
ADCB Private clients
See all fees

Top benefits

Airport lounge14/year
See all benefits

Rewards

CategoryEarnRate
Grocery, Automotive, Insurance
0.7 points per AED
0.42%

0.7 points per AED

Fuel, Education +5 more
0.35 points per AED
0.21%

0.35 points per AED

All other spend
4 points per AED
2.4%

4 points per AED

CategoryEarnRate
Grocery, Automotive, Insurance
0.7 points per AED
0.42%

0.7 points per AED

Fuel, Education +5 more
0.35 points per AED
0.21%

0.35 points per AED

All other spend
4 points per AED
2.4%

4 points per AED

See all rewards

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 breakdown

0.7ADCB TouchPoints

per AED 1 on UAE supermarkets, auto dealers and insurance spend.

Reduced earn of 0.70 TouchPoints per AED 1 on UAE supermarket, auto dealer and insurance transactions.

See full breakdown

0.35ADCB TouchPoints

per AED 1 on UAE fuel, education, government, real estate, telecom, charity and transport.

Reduced earn of 0.35 TouchPoints per AED 1 on UAE fuel, education, government, real estate, telecom, charity and transport spend.

See full breakdown

0.4ADCB TouchPoints

per AED 1 on Europe (EEA) retail spend.

Reduced earn of 0.4 TouchPoints per AED 1 on retail purchases at merchants based in the European Economic Area.

See full breakdown

Rewards Calculator

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Eligibility

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

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.

October 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.

See all
ENBD noon One Visa Credit Card Design
4.1/5

EMIRATES NBD

ENBD noon One Visa Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • AED 500 bonus on AED 5,000
  • 20% back in credits on noon Food
  • 5% back in credits on noon
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER
3.9/5

EMIRATES NBD

ENBD Voyager World Credit Card

  • Salary: AED 12,000+
  • 75,000 Miles on AED 35,000
  • No Annual Fee
  • 6 Miles/AED on Voyager Portal
  • 3 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

EMIRATES NBD

ENBD Voyager World Elite Credit Card

  • Salary: AED 25,000+
  • 150,000 Miles on AED 70,000
  • No Annual Fee for the first year
  • 12 Miles/AED on Voyager Portal
  • 6 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Offers

See all 2998
Lifestyle

Merchant

Al Badayer Retreat

15% discount on F&B at Al Madam Restaurant, Al Badayer Retreat

Valid until 19 Oct 2026
View offer
Lifestyle

Merchant

Al Badayer Retreat

Up to 20% discount on best available rates at Al Badayer Retreat

Valid until 19 Oct 2026
View offer
Lifestyle

Merchant

Al Faya Retreat

Up to 20% discount on best available rates at Al Faya Retreat

Valid until 19 Oct 2026
View offer
Lifestyle

Merchant

Al Faya Retreat

15% discount on access to Al Faya Hands free spa at Al Faya Retreat

Valid until 19 Oct 2026
View offer

Additional Benefits

Global airport lounge access

14 complimentary visits a year to 1,200+ lounges, plus a guest.

Complimentary 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 breakdown

Complimentary 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 breakdown

Global 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 breakdown

Travel 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 breakdown

Complimentary Careem airport transfers

4 complimentary airport rides a year via Careem.

4 complimentary airport rides per year on Careem. Pay with your World Elite Mastercard on the Careem app and enter promo code MAUAE6 when booking.

See full breakdown

Hertz President's Circle

Up to 15% off rentals with guaranteed upgrades.

Upgrade to Hertz Gold Plus Rewards President's Circle status for up to 15% off all rentals and guaranteed free upgrades.

See full breakdown

Avis Rent a Car benefits

Rental discounts, a free upgrade and 10% off chauffeur service.

Discounts on all Avis rentals, plus a free upgrade and 10% off premium chauffeur services.

See full breakdown

DISCOVERY Titanium hotel benefits

Room upgrades at 500+ luxury hotels, plus 12% off on Cleartrip.

Complimentary DISCOVERY Titanium Membership (Global Hotel Alliance): room upgrades, guaranteed availability, early check-in/late check-out at 500+ luxury hotels. Separately, get up to 12% off flights or hotels on Cleartrip with code MCWORLDELITE.

See full breakdown

Farfetch shopping discount

10% off at selected brands on Farfetch.

10% off at selected brands on Farfetch.com — enter promo code MCMEAFF10 at checkout and pay with your card.

See full breakdown

talabat discount

20% off two grocery or food orders a month, capped at AED 14.

20% off grocery or food delivery orders on talabat, twice a month, capped at AED 14 per order. Add your Mastercard in the talabat app and enter promo code MASTERCARD at checkout.

See full breakdown

Fees

7,875AED

Annual Fee

1,575AED

Supplementary Card

1.99%

Retail Finance Rate

Cash Finance Rate3.09%
Late Payment FeeAED 241.5
Over Limit FeeAED 288.75
Cash Advance Fee3.15%*

*3.15% of the advance or AED 105, whichever is higher.

Foreign Currency Margin0.99%
Card ReplacementAED 78.75
Credit Shield0.89%*

*Optional; charged on the outstanding balance at billing.

Important Stuff

Private Banking Fees and Charges

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Key Facts Statement

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about ADCB Private World Elite Credit Card credit card

Up to 4 TouchPoints per AED 1 on general spend, with reduced rates of 0.70 or 0.35 TouchPoints per AED 1 on selected UAE categories such as supermarkets, fuel and government spend, and 0.40 per AED in the EEA.

The card is for ADCB Private clients, who keep a total relationship balance of AED 4 million across accounts, deposits and investments.

A low 0.99% foreign-currency transaction fee applies, versus around 2.99% on standard ADCB cards.

No welcome offer is listed for the ADCB Private World Elite Credit Card. There is no sign-up bonus, bonus TouchPoints, or cashback promotion documented for new cardholders on this product.

Cardholders get complimentary valet parking at participating malls, hotels and dining venues across the UAE, a 24/7 global concierge for travel, dining and lifestyle requests, and complimentary multi-trip travel insurance for the cardholder and eligible family members when travel is booked on the card.

The December 2025 Private fee schedule lists 1.99% monthly retail finance and 3.09% monthly cash-advance finance, AED 1,575 for a supplementary metal card, AED 241.50 for late payment and AED 288.75 for going over limit. A cash advance also costs 3.15% or AED 105, whichever is higher, and metal-card replacement costs AED 78.75.

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