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.


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1.5 % Cash Back 

Receive 1.5% 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 

As a special promotion 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).

Marhaba Lounge access 

The Simplylife Mastercard credit card offers you complimentary access to the Marahaba Lounges at Terminal 1, 2 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

Fast Pay 

You can now pay your Simplylife Credit Card bills free of charge at any of our branches and select ATMs across the UAE. You can also pay at Al Ansari Exchange, UAE Exchange, Lulu Exchange branches and ENOC/EPPCO fuel stations for a nominal fee.

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 receive a cheque at your doorstep. Benefit from a low interest rate and repay in easy instalments over 6, 9, 12, 18 or 24 months.

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
*Effective August 1 2017 onwards.
Cash advance fee 3% or AED 100 (whichever is higher)
Over limit fee AED 275
Late payment fee AED 300
(if minimum payment due is not paid by Payment Due Date)
Card replacement fee AED 95
Duplicate statement fee AED 25
Returned cheque charge AED 150
Outstation cheque processing charge AED 20
Copy of sale voucher AED 25
Processing fee for non AED transactions 3% (Business Card only)

Credit Card Application Form

Terms and Conditions Apply

Click here for Terms and Conditions applicable to simplylife credit cards

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.

For information on Fees and Charges, please click here