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Auto Loan Ramadan Campaign 2019

2019 ADCB Ramadan Car Loan Promotion (the “Offer”)

Terms and conditions set out herein apply to the Offer and, in respect of the Offer, apply in addition to the terms and conditions set out in ADCB Consumer Banking Terms and Conditions (available on including the terms and conditions applicable to an ADCB Car Loan and the Bank’s Terms and Conditions for Shariah Compliant Account Operations (available on including the terms and conditions applicable to a Murabaha Auto Finance Terms & Conditions, as applicable.

If not otherwise defined herein, capitalized terms used herein in relation to the Offer shall have the meaning given to them in ADCB Consumer Banking Terms and Conditions or the Bank’s Terms and Conditions for Shariah Compliant Account Operations (available on including the terms and conditions applicable to a Murabaha Auto Finance Terms & Conditions, respectively. In relation to the Offer, the following terms shall have the meaning set out below:

Draw means:selecting a Customer/Account Holder for the Prize through a process designed by ADCB or any government authority, which shall be performed in front a staff from Economic Department of respective Emirate.
Draw Date means:a date chosen by ADCB within a period of thirty (30) days from the end of the Offer Period.
Eligibility Criteria means:the following: ADCB retail banking customers (including ADCB-IBD customers) must apply for the Car Loan or Murabaha Auto Finance during the Offer Period (both salaried & self employed customers are included); and Car Loan/ Murabaha Auto Finance must be approved and disbursed between 1st May until 30th June 2019.
Offer Period means:1st May until 30th June 2019.
Prize means:one (1) winner shall be chosen (from Islamic Murabaha Auto Finance customers and conventional Car Loan Customers who qualified for the Draw as per the Eligibility Criteria), through the Draw, for a cash Prize of AED 500,000
Prize claim Period means:maximum one (1) months (30 days) from the date, the winner announcement is made.
Channel of Acceptance means:all ADCB/ADCB IBD retail Banking Car Loan Customer/ Murabaha Auto Finance customers meeting the Eligibility Criteria, will automatically be enrolled in the Draw.
Notification of Prize means:winners will be informed by way of email and / or text via the Customer’s/Account Holder’s email address and mobile number registered with ADCB/ADCB-IBD.
Prize Payout means:Prize will be credited to the winning Customer’s/Account Holder’s Account or CID within sixty (60) days from the date of the Draw.
Additional Terms and Conditions means:1.In consideration of the award of the Prize, the winning Customer/Account Holder consents and irrevocably authorise ADCB/ADCB-IBD to disclose and advertise to the public, through media releases including newspaper, television, internet and radio, his/her identity as the winner of the Draw, including:
(i) disclose his/her name, photographs of him/her, details of his/her participation in the Draw;
(ii) arrange coverage through video, audio and other press media, of the presentation ceremony of the Prize;
(iii) be interviewed by ADCB/ADCB-IBD and/or members of the press in his/her capacity as the winner of the Prize and publish the same; and
(iv) disclose and advertise his/her identity as the winner of Draw even if the Prize was forfeited due to reasons specified herein or any other reason.
2.In case the Customer/Account Holder is not contactable/reachable within 30 calendar days from the Draw Date the Prize will be forfeited;
3.Customer/Account Holder needs to meet the Eligibility Criteria to participate in the Draw.
4.ADCB employees and their relatives, SimplyLife Customers, non-retail Customers and Loan/finance booked in the name of a company are not eligible for this Offer.
5.Customer performing the Eligibility Criteria will be eligible for a single entry in the Draw.

  • The Offer is available to a Customer/Account Holder who meets the Eligibility Criteria and who applies for the Offer, during the Offer Period.
  • The Customer/Account Holder shall apply for the Offer through the Channel of Acceptance. By applying for the Offer, the Customer/Account Holder is deemed to have accepted the terms and conditions applicable to the Offer.
  • If the Customer’s/Account Holder’s name is to be decided by a Draw, he shall be communicated about the Draw and Prize awarded, under the Offer, through the Notification of Prize, on or after the Draw Date. ADCB’s decision with regard to the Draw shall be final and binding.
  • Additional Terms and Conditions shall also apply to the Offer.
  • Prize shall be delivered to the Customer/Account Holder through the Prize Payout only. Prize that are not claimed by the Customer/Account Holder during the Prize Claim Period shall be null and void, and the Customer shall have no right or entitlement to any such Prize.
  • Prize (whether accrued or redeemed) may be cancelled by ADCB/ADCB-IBD (in its absolute discretion) if the Customer no longer meets the Eligibility Criteria or is disqualified from the Offer by ADCB/ADCB-IBD (in its absolute discretion or any third party supplier or issuer of the Prize).
  • If all or any part of any Prize is unavailable at the time of the Customer’s redemption, ADCB/ADCB-IBD may (at its absolute discretion) substitute the Prize for another reward or benefit of a similar value.
  • This Offer cannot be used in conjunction with any other offering by ADCB/ADCB-IBD or any third party supplier or issuer of the Prize.
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