Abu Dhabi Commercial Bank (ADCB) logo

ADCB Platinum Credit Card

Abu Dhabi Commercial Bank (ADCB)

Premium credit card

Joining Fee

AED 200

+ 18% GST

First Year Net

+AED 2,151

Annual Fee

AED 200

+ 18% GST

Renewal Net

+AED 2,151

Base Reward Rate

0.2%

1 points per د.إ10

Best Category

1.0%

Final Net Score

10

out of 100

Net Annual Value

+AED 2,351

Score Breakdown

Lower ScoreMid RangeHigher Score

Key Metrics

Final Score
Comprehensive rating based on your spending profile
10/100
Effective Reward Rate
Weighted average based on your spending categories
0.4%
Annual Net Value
Expected yearly benefit after all costs
AED 2,351
Payback Period
Time to recover annual fees through rewards
Immediate

Card Information

Category
Premium credit card
Launch Date
2005
Networks
Visa Platinum

Should I Consider This Card?

Using general assumptions

Likely Eligible

Needs check

Add income range and credit score to estimate eligibility.

Value for Your Spend

Strong fit

At your current spending pattern, this card is likely to return more value than it costs.

Consider from

AED 5,000 / mo

Sweet spot

AED 5,000 / mo

Net value / year

+AED 2,351

Fee outcome

Fee likely payable

Why this result

  • Fee waiver threshold: Annual fee waiver is tied to roughly 7,083 monthly spend.
  • Top earning category: travel has elevated rewards, which can improve value when your spend matches it.

Details

Spend curve and supporting scenario values

ADCB Platinum Credit Card - Key Highlights

💰 Fees & Charges

  • Annual Fee: AED 200
  • Foreign Transaction: 3.3%
  • Late Payment: Varies by outstanding amount

🏆 Rewards & Benefits

  • Rewards Rate: 0.2% reward rate
  • Lounge Access: Available
  • Our Rating: 10/100

ADCB Platinum Credit Card - Frequently Asked Questions

What are the benefits of ADCB Platinum Credit Card?

ADCB Platinum Credit Card from Abu Dhabi Commercial Bank (ADCB) offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.

Who is eligible for ADCB Platinum Credit Card?

ADCB Platinum Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.

How much does ADCB Platinum Credit Card cost?

The annual fee for ADCB Platinum Credit Card is AED 200. Additional charges may include foreign transaction fees and late payment charges.

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