ADCB Infinite Credit Card & Premium Range 2026: Signature, Platinum, Titanium, Gold & Classic Guide
Abu Dhabi Commercial Bank (ADCB) offers a comprehensive range of credit cards to suit every income level and spending habit. From the entry‑level adcb classic credit card to the ultra‑premium adcb infinite credit card, each card comes with distinct benefits, rewards, and fee structures. In between, you will find the adcb signature credit card, adcb platinum credit card, adcb titanium credit card, and adcb gold credit card. Understanding the differences helps you choose the right card for maximum value.
This guide covers everything you need to know about ADCB’s credit card tiers – from features and benefits to fees, eligibility, and application.
1. ADCB Infinite Credit Card – Ultimate Luxury
The adcb infinite credit card is the bank’s flagship product, designed for high‑net‑worth individuals who demand the best in travel, lifestyle, and rewards. It is a Visa Infinite card, offering unparalleled perks.
Key Features of ADCB Infinite Credit Card:
| Benefit | Details |
|---|---|
| Rewards | 1.5 TouchPoints per AED 1 spent (or 2 points on international spend) |
| Welcome bonus | 50,000 TouchPoints (worth AED 1,250) after spending AED 10,000 in first 60 days |
| Lounge access | Unlimited complimentary lounge visits worldwide (via LoungeKey) |
| Travel insurance | Comprehensive coverage up to USD 1.5 million |
| Golf | 6 free rounds per year at top UAE golf clubs |
| Valet parking | 12 complimentary valet uses per year at major malls |
| Concierge | 24/7 dedicated personal concierge |
| Annual fee | AED 1,500 (waivable on spend AED 200,000/year) |
| Minimum income | AED 30,000 per month |
The adcb infinite credit card also offers 0% foreign transaction fee on international purchases – a rare benefit that saves you 2.5% on every overseas spend.
2. ADCB Signature Credit Card – Premium Travel & Rewards
The adcb signature credit card (Visa Signature) is a step below Infinite but still offers premium travel benefits and high rewards. It is ideal for frequent travelers who want lounge access and good rewards without the highest annual fee.
Key Features of ADCB Signature Credit Card:
| Benefit | Details |
|---|---|
| Rewards | 1.25 TouchPoints per AED 1 spent |
| Welcome bonus | 25,000 TouchPoints (AED 625) after spending AED 5,000 in first 60 days |
| Lounge access | 6 complimentary lounge visits per year |
| Travel insurance | Up to USD 500,000 coverage |
| Golf | 4 free rounds per year |
| Valet parking | 6 complimentary valet uses per year |
| Annual fee | AED 750 (waivable on spend AED 75,000/year) |
| Minimum income | AED 20,000 per month |
The adcb signature credit card is a strong choice for professionals who travel 3‑4 times a year and want solid perks without the Infinite price tag.
3. ADCB Platinum Credit Card – Balanced Benefits
The adcb platinum credit card offers a balance of rewards and affordability. It is suitable for mid‑to‑high income earners who want lounge access and decent cashback.
Key Features of ADCB Platinum Credit Card:
| Benefit | Details |
|---|---|
| Rewards | 1 TouchPoint per AED 1 spent |
| Welcome bonus | 10,000 TouchPoints (AED 250) after spending AED 3,000 in first 60 days |
| Lounge access | 4 complimentary lounge visits per year |
| Travel insurance | Basic coverage (up to USD 250,000) |
| Valet parking | 4 complimentary valet uses per year |
| Annual fee | AED 500 (waivable on spend AED 40,000/year) |
| Minimum income | AED 15,000 per month |
The adcb platinum credit card is a popular choice for families and frequent shoppers who want lounge access and valet parking without a high fee.
4. ADCB Titanium Credit Card – Lifestyle & Shopping Focus
The adcb titanium credit card is often associated with the Lulu co‑branded card, but ADCB also offers a standalone Titanium card with lifestyle benefits. It focuses on shopping and dining rewards.
Key Features of ADCB Titanium Credit Card:
| Benefit | Details |
|---|---|
| Rewards | 1 TouchPoint per AED 1 spent |
| Cashback | 2% on groceries, fuel, dining (capped AED 150/month) |
| Lounge access | 2 complimentary lounge visits per year |
| Welcome bonus | 5,000 TouchPoints (AED 125) after first spend |
| Annual fee | AED 300 (waivable on spend AED 25,000/year) |
| Minimum income | AED 10,000 per month |
The adcb titanium credit card is a great mid‑range option for those who want some travel perks and cashback on everyday categories.
5. ADCB Gold Credit Card – Mid‑Tier Value
The adcb gold credit card is an entry‑level premium card with modest rewards and no lounge access. It is suitable for young professionals or those who want a simple, low‑fee card.
Key Features of ADCB Gold Credit Card:
| Benefit | Details |
|---|---|
| Rewards | 0.75 TouchPoints per AED 1 spent |
| Welcome bonus | 2,000 TouchPoints (AED 50) after first spend |
| Lounge access | None |
| Travel insurance | Basic (up to USD 100,000) |
| Annual fee | AED 200 (waivable on spend AED 15,000/year) |
| Minimum income | AED 8,000 per month |
The adcb gold credit card is often offered as a free upgrade from the Classic card after building a good credit history.
6. ADCB Classic Credit Card – Entry‑Level Simplicity
The adcb classic credit card is the most basic card, designed for students, first‑time cardholders, or those with lower income. It has minimal fees and simple rewards.
Key Features of ADCB Classic Credit Card:
| Benefit | Details |
|---|---|
| Rewards | 0.5 TouchPoints per AED 1 spent |
| Welcome bonus | 1,000 TouchPoints (AED 25) after first spend |
| Lounge access | None |
| Travel insurance | None |
| Annual fee | AED 100 (often waived for first year, then waivable on spend AED 10,000/year) |
| Minimum income | AED 5,000 per month |
The adcb classic credit card is a good starter card to build a credit history. It can be upgraded after 6‑12 months of responsible use.
7. Comparison Table: All Tiers at a Glance
| Card | Min Income (AED) | Annual Fee (AED) | Rewards (TouchPoints/AED) | Lounge Access | Valet Parking | Golf |
|---|---|---|---|---|---|---|
| Classic | 5,000 | 100 | 0.5 | No | No | No |
| Gold | 8,000 | 200 | 0.75 | No | No | No |
| Titanium | 10,000 | 300 | 1 + 2% cashback | 2/year | No | No |
| Platinum | 15,000 | 500 | 1 | 4/year | 4/year | No |
| Signature | 20,000 | 750 | 1.25 | 6/year | 6/year | 4/year |
| Infinite | 30,000 | 1,500 | 1.5 (2 on int’l) | Unlimited | 12/year | 6/year |
All cards offer TouchPoints redemption for cashback, vouchers, or miles. Most have welcome bonuses and 0% installment plans.
8. How to Choose the Right ADCB Card
If your income is below AED 8,000 – Start with adcb classic credit card or adcb gold credit card.
If you want cashback on groceries/fuel/dining – adcb titanium credit card offers 2% cashback plus lounge access.
If you travel 2‑4 times a year – adcb platinum credit card or adcb signature credit card provide lounge access and travel insurance.
If you are a frequent international traveler – adcb infinite credit card offers unlimited lounge access, 0% foreign fee, and golf.
If you want the lowest possible fees – adcb classic credit card has AED 100 fee (often waived).
Upgrading is easy: use your card responsibly for 6‑12 months, then request an upgrade via the ADCB app.
9. Fees, Eligibility & Application
Eligibility Criteria (All Cards):
Age: Minimum 21 years.
Residency: UAE resident with valid Emirates ID and visa.
Credit history: No major defaults.
General Fees:
| Fee Type | Amount |
|---|---|
| Late payment | AED 150 (waivable on first offense) |
| Cash advance | 2.5% (min. AED 50) |
| Foreign transaction | 2.5% (except Infinite: 0%) |
| Supplementary card | First free, then AED 50‑200 depending on card |
How to Apply:
Visit ADCB website or mobile app.
Navigate to “Credit Cards” and select your desired tier.
Click “Apply Now” – fill in personal, employment, and income details.
Upload documents – passport, Emirates ID, salary certificate (or 3 months bank statements).
Submit – instant approval for many applicants.
Card delivered within 3‑7 working days.
Activate via the app or phone banking.
Existing ADCB customers get faster approval. Salary transfer is not mandatory for most cards.
10. Frequently Asked Questions
Q1: What is the minimum income for adcb infinite credit card?
AED 30,000 per month.
Q2: Does adcb signature credit card include lounge access?
Yes, 6 complimentary lounge visits per year.
Q3: Is the adcb platinum credit card worth the annual fee?
If you use the 4 lounge visits and valet parking, the AED 500 fee is easily recovered. Spend AED 40,000/year to waive it.
Q4: What are the adcb titanium credit card cashback categories?
2% on groceries, fuel, and dining (capped AED 150/month total).
Q5: Can I upgrade from adcb gold credit card to adcb signature credit card?
Yes, after 6‑12 months of good payment history and meeting the higher income requirement.
Q6: Is the adcb classic credit card free for life?
Not automatically, but the AED 100 fee is often waived for the first year and can be waived on annual spend of AED 10,000.
Q7: Which card has the best travel insurance?
Adcb infinite credit card offers up to USD 1.5 million coverage, the highest.
Q8: Can I get a supplementary card for my spouse on adcb platinum credit card?
Yes, the first supplementary card is free.
11. Conclusion
ADCB offers a credit card for every financial profile – from the entry‑level adcb classic credit card to the ultra‑premium adcb infinite credit card. The adcb signature credit card and adcb platinum credit card provide excellent travel perks for mid‑to‑high income earners. The adcb titanium credit card balances cashback and lounge access, while the adcb gold credit card is a solid mid‑tier option.
Choose based on your monthly income, spending habits, and travel frequency. All cards earn TouchPoints that can be redeemed for cashback, making every dirham spent rewarding. Apply online today via ADCB’s website or mobile app.
For more credit card guides and UAE financial advice, visit https://www.khaleej2uae.com/ regularly.
