The Simplylife Family Credit Card, offered by ADCB, is designed to provide families with a variety of benefits and features that enhance convenience and savings.
Travel Benefits
The card offers exclusive travel discounts through a partnership with Cleartrip. Cardholders can enjoy up to 5% off on flights and up to 10% off on hotel bookings made via Cleartrip.ae.
Movie Benefits
Cardholders can earn cashback on movie tickets purchased in the UAE. By buying two tickets for any show and spending a minimum of AED 1500 per month, users can get a maximum monthly cashback of AED 70. This applies to tickets bought at cinema counters, kiosks, websites, and mobile apps.
Customization
One unique feature is the ability to personalize the card with a photo of your choice, making it a special keepsake of your cherished memories.
Financial Management Tools
The Simplylife Family Credit Card offers several financial tools:
- Balance Transfer: Transfer outstanding balances from other credit cards to enjoy low interest rates.
- Personal Payment Plan: Split purchases into manageable installments of 6, 9, 12, 18, or 24 months.
- Credit Card Loan: Access cash against your credit limit with a low interest rate, repayable in easy installments.
Card Control Features
The ADCB Mobile Banking App provides robust card control features:
- Set daily or monthly spend limits.
- Temporarily block your card.
- Enable or disable transactions such as international transactions, online transactions, and ATM withdrawals.
Credit Shield
Optional credit shield insurance is available to cover your outstanding balance in case of emergencies.
Application Requirements
To apply, you need:
- A completed application form.
- Passport copy with residence visa for expatriates or page 60 for UAE nationals.
- Self-attested labor card or government-issued photo ID.
- Emirates ID or EIDA application form.
- Current salary certificate or latest payslip.
- Three months of bank statements.
Fees & Charges
The card features various fees and charges, such as:
- Retail purchase finance charges: 3.25% per month.
- Cash advance fee: 3.50% per month.
- Balance transfer/credit card loan installment plans: Up to 2.25% per month.
- Other fees include late payment fees, card replacement fees, and a foreign currency transaction margin.
The Simplylife Family Credit Card standard variant has no annual fee, while the premium variant costs AED 523.95 annually.
Here’s a detailed point-by-point comparison of the Simplylife Family Credit Card with the Emirates NBD Lulu 247 Card and the Mashreq Platinum Elite Credit Card:
| Feature | Simplylife Family Credit Card | Emirates NBD Lulu 247 Card | Mashreq Platinum Elite Credit Card |
|---|---|---|---|
| Travel Discounts | Up to 5% off on flights, 10% on hotels | Airport lounge access, travel insurance | Complimentary airport lounge access, travel insurance |
| Movie Benefits | Up to AED 70 cashback per month | Discounted movie tickets | Up to AED 50 cashback per month |
| Rewards/Cashback | Not specified | Up to 7% cashback on Lulu purchases | Up to 10% on groceries, education, utilities |
| Personalization | Custom photo on the card | Not available | Not available |
| Financial Tools | Balance transfer, installment plans, card control via app | Balance transfer, installment plans | Flexible payment plans, balance transfer |
| Annual Fee | None for standard, AED 523.95 for premium | AED 400 (waived if minimum spend is met) | AED 700 (waived if minimum spend is met) |
| Balance Transfer Interest Rate | Up to 2.25% per month | Variable | Competitive rates |
| Card Control Features | Set limits, block card, control transactions via app | Basic control features via app | Basic control features via app |
| Credit Card Loan | Available with low interest rates | Not specified | Available |
| Insurance | Optional credit shield | Travel insurance included | Travel insurance included |
Summary
- Simplylife Family Credit Card: Ideal for those looking for travel discounts, movie cashback, personalized card options, and comprehensive financial tools without an annual fee for the standard card.
- Emirates NBD Lulu 247 Card: Best for frequent shoppers at Lulu with high cashback rewards, along with travel benefits and basic movie discounts.
- Mashreq Platinum Elite Credit Card: Suited for users seeking high cashback on everyday expenses like groceries and utilities, along with robust travel benefits and financial management options.
Each card caters to different needs, so the choice depends on your primary spending habits and preferences.
Conclusion
Overall, the Simplylife Family Credit Card offers a well-rounded package of travel discounts, cashback on movie tickets, customizable features, and various financial management tools, making it a valuable addition for families looking for convenience and savings.
For more detailed information, visit the Simplylife Family Credit Card page.