ADCB 365 Credit Card: Cashback Benefits Update Effective July 2026
Stay informed on the upcoming changes to ADCB 365 Cashback Credit Card benefits in the UAE, effective July 2026.
ADCB has announced updates to the cashback structure for the ADCB 365 Cashback Credit Card, with changes set to take effect from July 1, 2026. These adjustments will impact how cashback is earned across several local spend categories, while also introducing an enhanced cashback rate for Digital Subscriptions & AI App Subscriptions.
Revised Cashback Rates for Local Spends
| Spend Category | Cashback until June 30, 2026 | Cashback effective July 1, 2026 |
|---|---|---|
Dining & online food orders | 6% | 6% |
Fuel & Salik | 3% | 5% |
Groceries & Supermarkets | 5% | 3% |
Utility and Telecom | 3% | 0.5% |
Digital Subscriptions & AI App Subscriptions | 1% | 5% |
Select spend categories* | 1% | 0.5% |
Other retail spends | 1% | 1% |
| Spend Category | Cashback until June 30, 2026 | Cashback effective July 1, 2026 |
|---|---|---|
Dining & online food orders | 6% | 6% |
Fuel & Salik | 3% | 5% |
Groceries & Supermarkets | 5% | 3% |
Utility and Telecom | 3% | 0.5% |
Digital Subscriptions & AI App Subscriptions | 1% | 5% |
Select spend categories* | 1% | 0.5% |
Other retail spends | 1% | 1% |
*Select spend categories are subject to ADCB’s applicable terms and conditions.
New Focus: Digital Subscriptions & AI App Subscriptions
From July 1, 2026, the ADCB 365 Cashback Credit Card will offer 5% cashback on Digital Subscriptions & AI App Subscriptions, up from the current 1%.
This category may include eligible spending on digital subscription platforms, streaming services, productivity tools, and AI app subscriptions, subject to ADCB’s merchant-category classification and card terms.
What Remains Unchanged
The following benefits remain unchanged:
| Benefit | Details |
|---|---|
Monthly minimum spend to unlock cashback | AED 2,500 |
Maximum monthly cashback cap | AED 1,000 |
VOX Cinemas benefit | Buy 2 Get 1 on movie tickets |
| Benefit | Details |
|---|---|
Monthly minimum spend to unlock cashback | AED 2,500 |
Maximum monthly cashback cap | AED 1,000 |
VOX Cinemas benefit | Buy 2 Get 1 on movie tickets |
Conclusion
The ADCB 365 Cashback Credit Card cashback structure will change effective July 1, 2026. Key updates include an increase in cashback on Fuel & Salik from 3% to 5%, a reduction in Groceries & Supermarkets from 5% to 3%, and a new higher 5% cashback rate for Digital Subscriptions & AI App Subscriptions. Dining and online food orders remain at 6%, while international retail spends excluding the EU remain at 1%.
Kredit provides informational content only and does not offer financial advice. We do not guarantee accuracy and recommend consulting a licensed financial professional before making decisions.
