A card that enables short-term credit from a world-class bank – at zero interest – keeping in line with Islamic Sharia principles. This card can truly supplement your affluent and luxurious lifestyle with the best Sharia-compliant short-term credit and a wide range of discounts, offers and benefits redeemable through its rewards program. Empowering you financially to taste the high life of luxury, this card offers benefits that are separate from its already expansive rewards program.
Features of the ADCB Islamic Platinum Credit Card
- Monthly fees of AED600.
- Islamic Credit Shield (takaful) is charged at 0.89% of the total monthly outstanding balance.
- Minimum payment due is the higher of – 5% of the outstanding or AED100.
- Payments are due within 20 days of the statement date.
- Cash withdrawal limit – AED5,000 (per transaction).
- Free payment service at 35 ATMs, 50 ADCB Branches and through the ADCB mobile app. This service is available 24 hours a day, 7 days a week, all year round.
- Fully Sharia compliant and free from un-Islamic charges like Riba, etc. – certified by the Fatwa and Shari’a Supervisory Board.
Benefits of the ADCB Islamic Platinum Credit Card
- Utility bill payments can be made using this card, through internet banking or through the mobile app. These payments can be made at any time of the day.
- Purchase protection ensures that all goods you purchase with this card are automatically covered from accidental damage, loss and theft for up to 90 days from purchase.
- Takaful is available at a nominal cost of 0.89% of your outstanding monthly balance. This is the Islamic credit card shield, a type of insurance that eliminates your entire outstanding payable balance in the unfortunate event of your death, permanent disability, or critical illness. This program also provides insurance of up to AED100,000 for death by any cause.
- Pay order facilities enable you to instantly withdraw cash from the bank against your available credit limit. The amount you request will be delivered to your doorstep, and is completely interest free – keeping in line with Islamic Sharia principles.
- Fast Pay service enables you to make your credit card bill payments over 50 ADCB bank branches, 38 ATMs, ENOC/EPPCO at 55 Al Ansari Exchanges or any of 50 UAE Exchange Centre branches. This service makes sure you don’t miss your payments by making it convenient and easy.
- Exclusive discounts at select restaurants in the UAE, all year round.
- Extended warranties of up to 24 months of the retailer’s or manufacturer’s warranties for good purchased with this card.
- Global Assistance grants you an overabundance of offers and benefits around the world. Make unlimited use of the global emergency services as and when you need them, wherever you are. This is an exclusive privilege only for ADCB Platinum credit cardholders.
ADCB Islamic Platinum Credit Card rewards program – TouchPoints
The rewards program from ADCB called TouchPoints enables excellent savings on recurring expenses and are earned as you spend in AED. These can be redeemed for benefits against a wide range of retail purchases of goods, services, food, jewellery, holidays, etc.
- Earn 1 TouchPoint for every AED1 spent on retail purchases, with no upper limit on how much you can earn.
- Making utility bill payments through your ADCB Islamic Platinum credit card in AED and earn 1 TouchPoint for every AED1 spent. You can earn up to a maximum of 2,000 TouchPoints every month through utility bill payments.
- You can instantly redeem these points at merchant outlets with your ADCB Islamic Platinum credit card.
- You can also redeem your points for vouchers to the merchant outlet of your choice by using your ADCB Personal Internet Banking account. Vouchers will reach you within 5 working days.
- Redeem these points for a host of discounts and offers from a wide variety of expenditures, for example:
- Lifestyle – benefits redeemable at CMC, Atlantis, Banyan Tree, Mercure, Tribe Fit, and other spas, wellness centres, and many more.
- Shopping – at Abu Dhabi Mall, ACE, Al Ain Mall, ALDO, American Eagle, Birkenstock, Debenhams, Dune, Giordano, Marks and Spencer, Toys R Us, Wallis and many more.
- Dining – at a long, extensive list of restaurants across most world cuisines.
- Electronics – at EMax, Harmanhouse, Panasonic, Switch, Jumbo, and more.
- Jewellery – discounts at Atlas, Joyalukkas, Levant, Malabar, Sky Jewellery, and more.
- Travel – benefits redeemable at Etihad Guest, Abu Dhabi Travel Bureau, Orient Travel, SNTTA Holidays, and more.
- Utility Bill Payments – can be paid for using TouchPoints for a bill amount as low as AED30 (6,000 TouchPoints). Redeemable against Etisalat, du, school and college fees, Salik, donations and even against payments to Electricity and Water Authorities of Dubai, Sharjah and the Federal Electricity and Water Authority. Payments can also be made to the Abu Dhabi and Al Ain Distribution Companies.
- Leisure & Entertainment – at Dubai Dolphinarium, Fun City, Ice Land, iFly Dubai, Concorde, Soccer Circus, Sharjah Golf & Shooting Club, and many more.
The Islamic Platinum credit card truly enables you to enjoy the luxurious lifestyle you deserve with absolutely no hidden charges or Riba. This card has the best benefits and features of all the Islamic credit cards on offer by Abu Dhabi Commercial Bank, but also has the highest monthly charge. The card is a tool to aid you manage your finances better and a key to the affluent lifestyle you’ve always wanted.