Segments Privilege Club


Welcome to a richer banking experience

There is something special about standing out from the crowd and being appreciated; like being assigned your very own personal banker or having preferrential fees for the products and services you receive.

Key benefits

Enjoy an upgrade in the services and products you want, all of which are designed to deliver a personalised banking experience that is faster, easier and more secure.

From the moment you enroll as a member of the ADCB Privilege Club, you will be assigned a Privilege Club Customer Relationship Officer to manage your everyday banking needs.

In select ADCB branches, you will receive preferential services in the dedicated Privilege Club area. A Privilege Club Customer Relationship Officer will be on hand to help you deal with all your transactions as quickly and efficiently as possible.

ADCB Privilege Club offers every member a free Life Insurance of AED 50,000*.

*Subject to Terms and Conditions and clients meeting the Privilege relationship criteria.

Preferential pricing on various products and services offered by ADCB

  • Free exclusive ADCB Privilege Club Debit Card. Click here for more details.
  • Three free personalised exclusive ADCB Privilege Club cheque books each quarter
  • Safe deposit locker facilities are available to all ADCB Privilege Club members at a discounted rate, and subject to availability at designated branches. Lockers of various sizes are offered on a short or long-term basis.
  • Dedicated 24/7 Privilege Club Call Centre (600 50 8008)


The ADCB Privilege Club Debit Card is the first premium debit card in the UAE. It is packed with features and benefits designed to make your everyday purchases and payments easier and more rewarding. Learn More

Celebrate life’s success with an ADCB Credit Card. Learn More

Investment services

ADCB Privilege Club is committed to preserving and growing your wealth. With this in mind, ADCB has partnered with some of the world’s most renowned investment managers to provide world-class investment and protection solutions to suit your aspirations and risk sensitivity. These include Mutual Funds, Hedge Funds, Structured Products and Insurance Products as well as Shari’ah Compliant offerings. Your Privilege Club Relationship Manager will be happy to share these with you at your convenience. Learn more


Because life can throw unexpected events your way, we have partnered with a number of recognised regional and international insurance companies in order to offer you and your family the best in class available protection packages.

To guide you, ADCB Privilege Club has specialist insurance advisors to help you find the right insurance for you and your family. Learn More

Discover our loans, Learn more

Personal Loans

Delivering on our promise to develop products and services to suit your needs, we have designed flexible and attractive loan packages.

Overdraft Facility

ADCB Privilege Club members are eligible for an overdraft facility of AED 20,000.

  • Overdraft amount up to three times your salary
  • Attractive interest rates

Overdraft against Deposits an overdraft facility specially designed to offer you the liquidity without compromising the returns on your fixed deposits. Your fixed deposits continue to earn interest for you, while you avail finance against them.

  • No Overdraft processing fees
  • Borrow 90% of the deposit amount
  • Pay interest only on the amount utilised


As an ADCB Privilege Club member Mortgage facilities from ADCB give you the following advantages:

  • Repayment period of up to 25 years - the best in the UAE meaning you pay less each month, so you can afford a bigger property
  • Mortgage amount of up to 70% of the property value, so you can get your perfect home now instead of having to wait for your savings to grow

ADCB has also tied-up with selected reputable developers for added speed and efficiency with your mortgage processing.

Mortgage Overdraft

It’s amazing how much of your interest costs you can cut with an ADCB Mortgage Overdraft. The ADCB Mortgage Overdraft is first of its kind in the UAE. You can also enjoy the following benefits:

  • Interest levied only when you withdraw
  • Withdraw money for any purpose - as and when needed
  • Operate your overdraft account as your 'normal current account'
  • Up to 65% finance available against your completed residential property
  • Maximum tenure of 15 years

Car Loans

We've kept a keen eye on the market to offer you competitive flexible car loans that give you value beyond compare:

  • Finance up to 80%
  • Insurance Finance option*
  • Attractive interest rates
  • Tenure up to 60 months

*All Loans and Overdrafts are at the sole discretion of ADCB, subject to the ADCB’s terms and conditions and upon submission of the documentation acceptable to ADCB.

Shari'ah compliant products

  • To learn about our Shari'ah compliant products, please click here.

Eligibility criteria

To become a member of our exclusive ADCB Privilege Club, you must have:

  • A salary transfer of AED 20,000 or more; or
  • A minimum monthly relationship balance* of AED 200,000; or
  • A mortgage relationship of minimum AED 1,000,000; or

*Relationship balance is the combined total average balance of Current Account, Savings Account, Call Account, Fixed Deposits and Investments held onshore or offshore.

Membership enrollment to the ADCB Privilege Club is subject to Terms and Conditions.

If an eligible customer fails to maintain the Privilege Club criteria for three consecutive months, then ADCB shall be entitled to cancel the availability of all or some privileges without notice and transition or close the account. 

If a Privilege Club customers fails to maintain the Privilege Club criteria , then customer will be charged a monthly fee for not maintaining criteria. Click here to access the schedule of Fees and Charges

Terms and conditions

Click here to view the terms and conditions.

Enjoy a world-class customer experience when you bank with us.

In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.
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Other ways to apply

Contact centre

Contact centre

Call our 24-hour contact centre on 600 50 8008.

Visit us

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you

Branches & ATMs