ADCB Credit Card Eligibility

Abu Dhabi Commercial Bank (ADCB) is one of the leading financial institutions in the UAE, offering a wide range of banking products and services. Credit cards, among its prominent products, are designed to bring cashback, rewards, travel, and premium lifestyle benefits.

To qualify for these cards, however, you must meet specific ADCB credit card eligibility criteria such as minimum age, stable income, good credit score, and others. 

ADCB Credit Card Eligibility

Given below are the key requirements with respect to ADCB credit card eligibility in UAE —

Factors Affecting ADCB Credit Card Eligibility in UAE

Here’s a brief explanation of how each factor affects ADCB credit card eligibility — 

Age

You must be at least 21 years old to apply for an ADCB credit card.

Income

Your monthly salary plays a major role in determining your ADCB credit card eligibility in the UAE. While the minimum salary requirement goes as low as AED 5,000, keep in mind that each card has different salary criteria.

Credit Score

Generally, a good credit Score of 650 and above is considered suitable here as it reflects financial capability and increases approval chances. Poor scores may lead to rejections or lower credit limits.

Employment Status

Stable, full-time employment or self-employment is necessary to demonstrate consistent income.

Debt-to-Income Ratio

A low ratio indicates manageable financial obligations, assuring lower default risk. A high ratio — above 50% — could lead to rejection.

Nationality

UAE residents, including expatriates, are eligible. However, specific documentation, like an Emirates ID or residence visa, is required to verify residency and identity.

ADCB Credit Cards — Documents Checklist

Here is a general list of the documents required to apply for ADCB credit cards in the UAE —

Note: 

Additional documents may be required.