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ADCB
Betaqti Credit Card
No salary transfer needed
Min. salary
AED 10,000
Annual fee
AED 2,100
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
No standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 2,100
- Fee note
- No standard waiver
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 10,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Exclusively for UAE nationals
- 300,000 TouchPoints welcome bonus worth ~1,800 AED
- Up to 750,000 anniversary TouchPoints based on your annual spend (worth ~4k+ AED)
- Up to 3 Touchpoints per 1 AED retail spend
- Access to over 1,000 airport lounges worldwide
- Buy one ticket, get one free on movie tickets
- Complimentary access to UFC Gym facilities across the UAE
- Buy one, get one free on coffee
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.