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Relationship Base Pricing

Membership Criteria

Membership for Excellency is based on the eligibility criteria defined below:

Keep a Total Relationship Balance1 of AED 500,000


Keep a Home Finance value of USD 1,000,000.


Salary Transfer2 of AED 30,000* per month.


Have either one of the following Banca-Takaful Products:

  • Lumpsum USD 135,000 or above
  • Protection Plan: Annual Premium of USD 12,000 or above
  • Contractual Savings Plan: Annual Premium of USD 48,000 or above

No Fees will be charged for not maintaining the eligibility criteria, however Total Relationship Balance will be reviewed quarterly, and relationship will be moved to Aspire/Privilege Club, if eligibility criteria is not met.

1Total Relationship Balance (TRB) includes investment deposits/investments principal value, and current/savings/special savings (CASA) monthly average balance.

2Salary transfer means the salary is transferred (by assignment) to any ADCB Islamic Banking account. Salary Transfer does not include cash or cheque salary transfers.

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