ADCB Betaqti Credit Card
300,000 TouchPoints welcome bonus
at ADCB's secure site
Exclusively for UAE nationals. Credited on annual fee payment. See rates & fees.
Rewards rate
"The Betaqti reads like ADCB's thank-you note to Emirati customers: a metal card, a six-figure points bonus, gym and cinema perks and the bank's cheapest interest rate at a salary bar most premium cards double. The honest caveat is the earn table — everyday essentials are heavily de-rated, so treat it as a status-and-perks card, not a groceries card."
Earning and redeeming TouchPoints
The Betaqti earns up to 3 TouchPoints per 1 on retail spend — about 1.8% back by ADCB's own benchmark of 200,000 TouchPoints ≈ 1,200. Watch the de-rated buckets, though: 0.7 points at supermarkets, auto dealers, insurance and fast food, 0.35 on fuel, education, government, real estate, telecom, charity and transport, and 0.40 per equivalent at EEA-based merchants. Heavy spenders also unlock the Anniversary Gift — 250,000 to 750,000 bonus TouchPoints a year at 250,000/350,000/500,000 calendar-year spend, credited once the next year's fee is paid.
Redemption is TouchPoints' strong suit: instant redemption at thousands of UAE merchants, utility and Salik payments, card-payment credit, or exchange into Emirates Skywards and Etihad Guest miles. The 300,000-point welcome bonus lands after you pay the annual fee and clear your first or second statement in full.
Rates and fees
- Annual fee
- 2,100 including VAT, from year one; supplementary cards 1,050 each
- Welcome bonus
- 300,000 TouchPoints for new primary cardholders, after annual fee payment and settling the first or second statement
- Interest rate
- 2.50% per month on retail purchases (ADCB's standard is 3.25%); 3.50% per month on cash advances
- Foreign currency fee
- 2.99% margin on non- transactions
- Cash advance
- 3.15% fee (minimum 105); limit is 80% of the credit limit vs the usual 60%
- Late payment fee
- 241.50; overlimit fee 288.75
- Minimum payment
- 5% of the outstanding balance or 100, whichever is higher
- Eligibility
- UAE nationals only, age 21+, minimum salary 10,000 or credit limit of 20,000+
- Card network
- Mastercard World Elite, metal laser-etched card
Fee and interest figures are from the bank's page and ADCB's Emirati Schedule of Fees (VAT-inclusive). Always confirm current rates on adcb.com before applying.
Card benefits
300,000 welcome TouchPoints
Roughly 1,800 of redemption value by ADCB's own benchmark, credited after the annual fee is paid.
4 VOX BOGO tickets a month
Buy one, get one free at VOX Cinemas — including THEATRE by Rhodes, GOLD and IMAX — plus 25% off select food and drinks.
14 lounge visits a year
Access 1,200+ lounges via the Mastercard Travel Pass app, with one free guest per visit.
UFC Gym access
Complimentary access to UFC Gym clubs across the UAE, including group classes — just show your card and Emirates ID.
6 Careem airport rides
Six complimentary airport transfers a year, saving up to 110 each, with promo code MAUAE6.
World Elite Concierge
24/7 luxury concierge plus GHA DISCOVERY Titanium hotel status, Hertz President's Circle and Avis discounts.
Pros and cons
- 300,000 TouchPoints welcome bonus — roughly 1,800 of value by ADCB's own benchmark
- Anniversary gift of up to 750,000 TouchPoints a year for high spenders
- 2.50% monthly retail interest rate, below ADCB's standard 3.25%
- Metal laser-etched card with 14 lounge visits, 6 Careem airport rides and UFC Gym access
- Four VOX buy-one-get-one tickets a month including THEATRE, plus unlimited Caribou BOGO
- Accessible 10,000 minimum salary for a World Elite card
- Exclusively for UAE nationals — residents and expats cannot apply
- 2,100 annual fee with no first-year waiver, and 1,050 per supplementary card
- 2.99% foreign currency fee on non- spend
- Everyday categories are heavily de-rated: 0.7 points at supermarkets and fast food, 0.35 on fuel, telecom and government payments
- Anniversary TouchPoints only unlock at 250,000+ annual spend and require paying the next year's fee
Is it right for you?
Get this card if
- You're a UAE national earning 10,000+ who wants a metal World Elite card with real perks.
- You'll use the lifestyle bundle — VOX, UFC Gym, Caribou and lounge visits alone can outweigh the fee.
- You occasionally carry a balance — 2.50% a month is the cheapest revolving rate in ADCB's lineup.
Consider skipping it if
- You're not a UAE national — the card is closed to residents and expats.
- Most of your spend is groceries, fuel and telecom — those categories earn 0.35–0.7 points per .
- You won't reliably recoup the 2,100 fee after year one, once the welcome bonus is spent.
Alternatives to consider
ADCB's TouchPoints flagship offers the same rewards engine and premium tier without the Emiratis-only restriction.
Best ADCB TouchPoints cards →
ADCB's Traveller pays 10% cashback on flights and hotels with 0% foreign currency fees — stronger pure-travel value than points.
Best travel cards →
For committed Emirates flyers, Skywards Miles with automatic Silver tier can beat converting TouchPoints at unpublished ratios.
Best Emirates Skywards cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Who can apply for the ADCB Betaqti Credit Card?+
The card is exclusively for UAE nationals (Emiratis). You must be at least 21 years old per the English page, and earn a minimum salary of AED 10,000 a month or qualify for a credit limit of at least AED 20,000.
What is the annual fee on the Betaqti card?+
AED 2,100 including VAT, applicable from the first year with no waiver. Supplementary cards cost AED 1,050 each.
What is the Betaqti welcome bonus?+
300,000 TouchPoints for new primary cardholders, credited after you pay the annual fee and the total outstanding of your first or second statement. By ADCB's benchmark of 200,000 TouchPoints being worth roughly AED 1,200, the bonus is worth about AED 1,800 depending on how you redeem.
How many TouchPoints does the Betaqti card earn?+
Up to 3 TouchPoints per AED 1 on retail spends. Reduced rates apply: 0.7 points per AED at supermarkets, auto dealers, insurance and fast-food restaurants; 0.35 on fuel, education, government services, real estate, telecom, charity and transport; and 0.40 per AED equivalent at merchants based in the European Economic Area.
What is the TouchPoints Anniversary Gift?+
A yearly bonus based on your calendar-year spend: 250,000 TouchPoints for AED 250,000 spent, 500,000 for AED 350,000, and 750,000 for AED 500,000. It is credited upon full payment of the following year's annual fee.
What can I redeem TouchPoints for?+
Instant redemption at thousands of UAE merchants, utility bill and Salik payments, card payments, or exchange into Emirates Skywards Miles and Etihad Guest Miles. ADCB indicates 200,000 TouchPoints equal roughly AED 1,200 depending on the option.
What interest rate does the Betaqti card charge?+
2.50% per month on retail purchases — lower than ADCB's standard 3.25% — and 3.50% per month on cash advances. The cash advance limit is 80% of the credit limit, higher than the usual 60%.
Does the Betaqti card include airport lounge access?+
Yes — 14 complimentary visits per year to more than 1,200 lounges worldwide via the Mastercard Travel Pass app, shared with supplementary cardholders, plus one free guest per visit (extra guests USD 32). After the first two visits, a non-AED transaction of at least USD 1 every 3 months keeps access active.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.