Thank you for taking time to read my blog. In Part 1, I had written an introduction to ADCB Traveller Credit Card and the hotel discounts you can get.
In Part 2, let us look at some of the other key benefits.
20% discount on flight bookings at cleartrip.ae
This is the second most important reason why I am holding this credit card. You can book your flights on www.cleartrip.ae and enjoy a 20% discount on the base fare i.e. exclusive of taxes, fees and other charges. You need to use the promo code ADCBWORLD during payment. The discount is applicable on all fare classes. You can make up to 6 bookings per card in a calendar year, capped at 9 passenger tickets per booking.
There are certain exceptions though. Your itinerary has to be a round-trip. This is how it works:
As you can see, higher the base fare, greater the discount. The discount can be really substantial for business-class bookings, when base fare is a lot more than other charges.
0% foreign exchange transaction fee
ADCB Traveller Credit Card is the only credit card in UAE that claims to offer zero foreign exchange charges. I had used the card when I was in London in January 2019. Let us look at the transactions
During that time, the mid-market rate was 1 Pound = AED 4.70-4.73. If you look at the transactions above, the conversion rate varies between 4.76 – 4.79. Do you wonder why? The devil is in the details.
ADCB states that “Pay 0% processing fee when you use your Traveller Credit Card overseas”. It means that ADCB will not charge any additional charge on your foreign exchange transactions. However, MasterCard still charges you between 1%-2%. This is the reason for the difference.
Don’t get me wrong. I am happy paying 1% on my foreign transaction when other credit cards charge 3%. At the same time, there is a trade-off here. Most credit cards give higher reward points on international transactions. For example, my Citi Prestige credit card gives 3 ThankYou points per USD of international spend vs 2 ThankYou points for domestic spend.
Earn and Spend TouchPoints
Like Citi ThankYou points or American Express Membership Reward points, ADCB has its own currency – TouchPoints. With the ADCB Traveller Credit Card, you earn 2 TouchPoints per AED 1 of spend. If that sounds generous, it is because TouchPoints are worth very little. You could convert TouchPoints to vouchers at a lot of establishments within UAE. The full list is available at ADCB TouchPoints website.
The typical ratio is 8,334 TouchPoints = AED 50 or 1 TouchPoint = AED 0.006.
You could also convert your TouchPoints to Etihad Guest miles (14 TouchPoints = 1 mile) or Emirates Skywards miles (18 TouchPoints = 1 mile).
To summarize, the earn and burn opportunity is not great in this credit card. The real value lies in the other benefits.
However, in 2018 ADCB was being very generous in awarding TouchPoints. I had received multiple promotional offers from ADCB which multiplied the earnings 3-5 times on particular spends. Even for redemption, at one point ADCB offered 3 times Etihad Guest miles than the usual rate. So far in 2019, these promotions have been missing.
We are at the end of a long post. Should you get this card or not?
I suggest if you travel more than 3-4 times a year and pay for your travel expenses using your own credit card, you should definitely consider ADCB Traveller Credit Card. For each trip, I have saved more than AED 1,000 using hotels.com, cleartrip.ae and foreign exchange charges. This should easily cover the annual fee.