Abu Dhabi Commercial Bank
Betaqti Credit Card
The Betaqti Credit Card is a rewards credit card from Abu Dhabi Commercial Bank. It has an annual fee of AED 2,100, and needs a minimum salary of AED 10,000 a month.
Annual fee
AED 2,100
Joining fee
Free
Min. salary
AED 10,000/mo
Rewards in
ADCB TouchPoints
Material
Metal
Card highlights
- Earn up to 3 TouchPoints per AED 1 on general, dining, travel and online spend
- 14 airport lounge visits a year (1,200+ lounges) via Mastercard Travel Pass, plus 4 complimentary Careem airport rides a year
- GHA Discovery Titanium membership at 500+ hotels, Hertz President's Circle and up to 25% off Avis rentals
- 4 buy-1-get-1-free VOX Cinemas tickets a month, unlimited BOGO at Caribou Coffee and complimentary UFC Gym access
Earn rates
| Category | Rate |
|---|---|
| Travel | 1.5% |
| Retail | 1.5% |
| Dining & food | 1.5% |
| Online shopping | 1.5% |
| International spend | 1.5% |
| Supermarket | 0.35% |
| Fuel | 0.18% |
| Utilities | 0.18% |
| Education | 0.18% |
| Transport | 0.18% |
| Real estate | 0.18% |
0.40 TouchPoints per AED 1 equivalent on retail purchases at merchants based in the European Economic Area. EEA classification per prevailing Mastercard guidelines. In Perkly's terms that is about 0.2% back, not the international rate shown above.
Current welcome offer
Earn 300,000 TouchPoints as a welcome gift (worth around AED 1,500)
- Awarded once the annual fee and first or second statement balance have been paid in full
- New primary cardholders only
Benefits & perks
- •14 complimentary airport lounge visits at 1,200+ lounges worldwide (primary, supplementary and 1 guest each) via Mastercard Travel Pass
- •4 complimentary Careem airport rides per year (up to AED 85 each)
- •Discovery Titanium membership (Global Hotel Alliance): room upgrades, early check-in, late check-out at 500+ luxury hotels
- •Complimentary travel insurance with medical and inconvenience cover
- •Car rental collision and loss damage waiver
- •Hertz President's Circle: up to 15% off all rentals and guaranteed free upgrades
- •Avis: up to 25% off all rentals, a free upgrade and 10% off premium chauffeur services
- •4 buy-one-get-one-free VOX Cinemas tickets per month (THEATRE, GOLD, IMAX, MAX and more)
- •Complimentary UFC Gym access across the UAE including group classes and locker room services
- •Buy-one-get-one-free at Caribou Coffee all year round (unlimited use, dine-in only)
- •25% off select food and beverages at VOX Cinemas candy bar
- •20% off talabat food and grocery delivery once a month (capped at AED 14)
- •Mastercard World Elite concierge service
- •Metal, laser-etched personalised card
- •FlexiPay instalment plan for retail balances
- •0% interest easy payment plan for school fees
- •ADCB credit card loans and balance transfers available
- •Complimentary credit shield life cover
Every card is checked against official bank sources. Last updated September 2026.
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More from Abu Dhabi Commercial Bank
ADCB TouchPoints Infinite Credit Card
- Earn up to 1.5 TouchPoints per AED 1 on most spend; 0.4 on supermarkets, dining and UK/EEA
- Unlimited lounge access at 1,200+ lounges (Visa Airport Companion), self plus 1 guest
Updated September 2026