Because you are their hero
Simply Life Family card

Simplylife Family Credit Card

The Simplylife Family Credit Card offers you and your family a range of exciting benefits and lifestyle privileges in order to cater to your everyday needs. The features of the card have been hand-picked to help you protect your family and spend quality time with your loved ones.


Expand all Collapse all


We have partnered with Cleartrip to bring you exclusive discounts on travel and entertainment when you book using your Simplylife Family Credit Card. Enjoy upto 5% discount on flights, upto 10% discount on hotels on


Simply buy 2 tickets at any cinema in the UAE for any show and earn cashback for the tickets (max monthly cashback for these tickets is AED 70/-). This is applicable on a minimum monthly spend of AED 1500/- and the cashback will be automatically credited.

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)

Photo Card 

Make your best memories live longer. Personalise your card with a photo of your choice.

Balance Transfer  

Transfer your outstanding 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%
Annual fee Simplylife Family Card - Nil
Simplylife Family Card Premium - AED 523.95/-
Photo Replacement fee AED 57.75
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

Click here for a tutorial that illustrates how to upload your favourite photo.

Terms and Conditions Apply:

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)