Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
ADCB - Betaqti Credit Card (exclusively for UAE Nationals) ADCB - Betaqti Credit Card (exclusively for UAE Nationals) Minimum Salary: AED 5,000 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 2,100 Rate: 2.5%
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Exclusively for Emiratis

Your unique personality deserves a card that represents it. A metal, laser-etched card that showcases your name and grants you complete control of the card, in addition to travel and lifestyle benefits and much more.

  • VOX Cinemas
  • Buy one, get one free including THEATRE
  • Uform fitness, Complimentary access to all clubs across the UAE
  • Caribou Coffee, Buy one, get one free on coffee
  • Airport Lounges, Complimentary access to over 1,000 lounges around the world
  • 300,000 TouchPoints welcome bonus
  • An annual fee of AED 2,100 (inclusive of VAT) is applicable

  • Rewards:
    • Receive 300,000 TouchPoints as a welcome gift
    • Earn up to 3 TouchPoints for every AED 1 spent with your card

    Annual Spend AmountBonus Reward
    AED 500,000750,000 TouchPoints
    AED 350,000500,000 TouchPoints
    AED 250,000250,000 TouchPoints

    • Luxurious Cinema Experience
    • Fitness Center Access
    • Experience Yas Island Parks
    • Concierge Service
    • Chauffer Offer
    • Premium Hotel Benefits
    • Global Airport Lounge Access
    • Hertz President's Circle Status
    • Complimentary Hotel Nights
    • Avis Rent a Car Benefits
    • Travel Insurance
    ** Calculator Definitions
    Amount: The total amount of money borrowed, also referred to as the principal amount.
    Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
    Years: This is the original term or length of the product, stated in years.
    Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
    Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
    Najm - ONE Cashback Credit Card
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    AED 8,000
    Najm - Platinum Plus Cashback Credit Card
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    AED 7,000
    Najm - Platinum Cashback Credit Card
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    AED 7,000
    HSBC - Cashback Credit Card
    Minimum Salary
    AED 10,000