Cash back made simple
Paying bills in
just seconds
made simple
Going to the movies made simple
Cashback Credit Cards

Cash Back Credit Card

Your Simplylife Credit Card helps you benefit from its numerous features on a day-to-day basis. Get cash back on spends as low as AED 1000. Plus, free movie tickets and a host of other rewards on anything above that.


Expand all Collapse all

1 % Cash Back 

Receive 1% cash back on all your purchases. All you have to do is make monthly purchases of at least AED 1,000, and you will be eligible for the cash back. Maximum monthly cash back is AED 1,000

Free for life 

Your Simplylife credit card comes with no annual fees.

Free Movie Tickets 

Receive two movie tickets free when you make monthly purchases worth AED 1,500 or more.
No tedious redemption process simply buy two tickets anywhere in the UAE for any show and we will give you cashback for the tickets (maximum monthly cash back for the tickets is AED 70).

Movie tickets purchased at Cinema ticket counters, Cinema Kiosks, Cinema Websites and Cinema Mobile Apps qualify for movie cashback. (Movie tickets purchased at cinema food counters do not qualify for movie cashback)

Marhaba Lounge access 

The Simplylife MasterCard credit card offers you complimentary access to the Marhaba Lounges at Terminal 1 and 3 of the Dubai International Airport and the Terminal in DWC -Al Maktoum International Airport. The card holder needs to produce the card as well as a flight boarding pass at the point of entry of the lounge in order to avail this facility. To know more click here.

Diamond Lounge access 

The Simplylife MasterCard Credit Card offers you complimentary access to the new Diamond Lounge located at the VIP terminal of the Abu Dhabi International airport. The Plaza Lounges have been discontinued. The card holder needs to produce the card as well as a flight boarding pass at the point of entry of the lounge in order to avail this facility. To know more click here

Balance Transfer 

Transfer your available balance from other bank's credit cards to your Simplylife Credit Card and save with amazingly low interest rates.

Personal Payment Plan 

Split your everyday purchase transactions made on your Simplylife Credit Card at low interest rates and pay in easy instalments of 6, 9, 12, 18 or 24 months.

Credit Card Loan 

Need cash against your available credit limit? Simply call us and the money will be transferred to your account within 3 working days. Benefit from a low interest rate and repay in easy instalments over 6, 9, 12, 18 or 24 months.

Card Control 

Enjoy added safety on your Simplylife Credit Card with the Card Control feature on the ADCB Mobile Banking App. This feature allows you to manage how, where and when your credit card can be used and all at your fingertips without calling the call center or visiting a branch.
Just log onto ADCB Mobile App and through the card control feature:

  • Set up daily or monthly spend limit
  • Temporarily block your card
  • Enable or Disable transaction such as International transactions, Online transactions, ATM Cash Withdrawals

Credit Shield 

Need an insurance plan which covers your credit card outstanding balance against any emergencies? For more details, click here.

Documents Required

  •  Application Form
  •  Passport copy (with residence visa for Expatriates and page 60 for UAE Nationals both valid for 30 days at the time of approval of the card).
  •  Copy of the Labor Card or a Government issued photo ID card to be self attested by the customer.
  •  Emirates ID card or copy of EIDA application from.
  •  Current Salary certificate or latest pay slip.
  •  3 months bank statement.

Fees & Charges

Finance charges (Retail purchase) 3.25% per month
(Cash advance) 3.50% per month
(Balance Transfer/Credit Card Loan/Installment Plans) Up to 2.25% per month
Cash advance fee 3.15% or AED 105 (whichever is higher)
Over limit fee AED 288.75
Late payment fee AED 241.50 
(if minimum payment due is not paid by Payment Due Date)
Card replacement fee AED 78.75
Duplicate statement fee AED 26.25
Returned cheque charge AED 157.50
Copy of sale voucher AED 26.25
Foreign Currency Transaction Margin 2.99%
Credit shield fee (Optional) 1.0395% (Of outstanding at billing cycle)
Temporary credit limit increase fee AED 52.50
Exchange house payment fee AED 5.25 (Per Transaction)
Paper statement fee AED 5.25 (Per statement)
Foreclosure fee (Balance Transfer/ Credit Card Loan/ Installment Plans) AED 210
Processing fee on 0% interest payment plans at participating merchants and credit card loans AED 52.50

Credit Card Application Form

Terms and Conditions Apply

Click here for Terms and Conditions applicable to the Simplylife Cashback Credit Card.

All financing and credit facilities are made available at the sole discretion of ADCB and is subject to ADCB's terms and conditions and submission of acceptable documentation.

Click here for Schedule of Fees (Effective from April 1, 2023)

For user guide, please click here

Get 2 movie tickets free