Betaqti Credit Card review
At the core is a strong earning rate of up to 3 TouchPoints per AED, though select categories earn less, at 0.7 TouchPoints on supermarkets, auto dealers, insurance and quick-service restaurants and 0.35 on fuel, government, telecom and similar spends (per third-party source). You can accumulate up to 750,000 Anniversary TouchPoints based on spend, and new cardholders start with 300,000 complimentary TouchPoints worth AED 1,800. Points can be spent at thousands of UAE merchants, on utility bills and Salik, as card payment, or converted to Emirates Skywards or Etihad Guest Miles.
The lifestyle package is equally generous, with unlimited worldwide lounge access, complimentary gym access at Uform Fitness, buy-one-get-one offers at VOX Cinemas and Caribou Coffee, and complimentary travel insurance, concierge and airport transfers.
Carrying a AED 2,100 fee and reserved for UAE Nationals, the Betaqti card is designed for Emiratis who want a standout metal card that rewards everyday spending while delivering premium travel benefits.
Card details
| Bank | ADCB |
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| Card type | Premium |
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| Card network | Mastercard |
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| Minimum salary | AED 10,000 |
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| Annual fee | AED 2,100 |
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| Fee waiver | AED 2,100 including VAT, with no standard waiver stated |
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| Interest (monthly) | 3.69% |
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| Reward type | TouchPoints |
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| Reward rate | Up to 3 TouchPoints per AED on spends; 0.7 TouchPoints per AED on supermarkets, auto dealers, insurance and quick-service restaurants; 0.35 TouchPoints per AED on fuel, education, government, real estate, telecom, charity and transport (per third-party source)Reduced earn rates apply to the select categories listed above (per third-party source) Earn up to 750,000 Anniversary TouchPoints based on your card spend TouchPoints are redeemable at thousands of UAE merchant locations, for utility bills and Salik, as card payment, or converted to Emirates Skywards or Etihad Guest Miles. ADCB values each TouchPoint at approximately AED 0.006 (300,000 TouchPoints = AED 1,800) |
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| Welcome bonus | 300,000 complimentary TouchPoints worth AED 1,800, subject to membership fee payment300,000 TouchPoints welcome gift | Up to 750,000 Anniversary TouchPoints based on card spends |
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| Lounge access | 14 complimentary visits per year to 1,200+ airport lounges worldwide, plus 1 free guest per visit |
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| Quick cash | Credit card loan available |
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| Balance transfer | Card loan available |
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| Instalment plan | 0% instalment plans available |
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Welcome bonus: 300,000 complimentary TouchPoints worth AED 1,800, subject to membership fee payment
Terms: 300,000 TouchPoints welcome gift | Up to 750,000 Anniversary TouchPoints based on card spends
Betaqti Credit Card benefits
✓Metal laser-etched card personalised in Arabic calligraphy
✓Up to 3 TouchPoints per AED
✓300,000 welcome TouchPoints worth AED 1,800
✓Unlimited worldwide airport lounge access
✓Complimentary gym access at Uform Fitness
✓Buy-one-get-one free at VOX Cinemas and Caribou Coffee
✓Complimentary travel insurance, concierge and airport transfers
Offers and payment options
Quick cashCredit card loan available
Balance transferCard loan available
Instalment plan0% instalment plans available
Betaqti Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% |
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| Cash advance fee | 3.15% or AED 105 (whichever is higher) |
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| Late payment fee | AED 241.50 |
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| Over-limit fee | AED 288.75 |
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| Foreign currency fee | 2.99% (Foreign Currency transaction margin, non-AED currency) plus approx 1.15% Visa/MC processing fee |
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| Minimum payment | 5% or AED 100 whichever is higher (SoF notes Minimum payment due 80% of credit limit for Betaqti card in cash-advance-limit context) |
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| Interest-free period | 25 to 55 days |
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| Card replacement fee | AED 78.75 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It suits UAE Nationals who want a premium personalised metal card with strong TouchPoints earning and travel perks.
What works well
- ✓Premium metal card with a high 3x TouchPoints earn rate
- ✓Rich travel and lifestyle perks with unlimited lounges
- ✓Large welcome bonus
What to weigh up
- −High annual fee of AED 2,100
- −Restricted to UAE Nationals only
- −Reduced earn on many everyday categories
Betaqti Credit Card eligibility
Exclusively for Emiratis (UAE Nationals), earning a minimum salary of AED 10,000 or meeting a minimum credit limit eligibility of AED 20,000
▤Emirates ID▤Salary certificate / proof of income▤Bank statements (3-6 months)
Betaqti Credit Card FAQs
Exclusively for Emiratis (UAE Nationals), earning a minimum salary of AED 10,000 or meeting a minimum credit limit eligibility of AED 20,000
The listed annual fee is AED 2,100. AED 2,100 including VAT, with no standard waiver stated
Up to 3 TouchPoints per AED on spends; 0.7 TouchPoints per AED on supermarkets, auto dealers, insurance and quick-service restaurants; 0.35 TouchPoints per AED on fuel, education, government, real estate, telecom, charity and transport (per third-party source)
It suits UAE Nationals who want a premium personalised metal card with strong TouchPoints earning and travel perks.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
