# ADCB 365 Credit Card: Cashback Benefits Update Effective July 2026

Source: https://kredit.ae/blog/adcb-365-credit-card-cashback-benefits-update-effective-july-2026

Discover the updated cashback benefits of the ADCB Islamic Banking 365 Card effective July 2026 and maximize your savings.

Category: Announcements  
Published: 2026-05-02T11:03:29.595Z  
Author: Kredit

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%** |

\*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 |

## 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%**.

## Frequently asked questions

### When do the ADCB 365 Cashback Credit Card changes take effect?

The updated cashback benefits for the ADCB 365 Cashback Credit Card will be effective from July 1, 2026.

### What is the new cashback rate for groceries, food, and restaurants?

From July 1, 2026, the cashback rate for Grocery, Food & Restaurants will be 3%, down from the previous 5%.

### Which digital subscriptions and AI apps are included in the new 5% cashback category?

The new 5% cashback category includes platforms like Netflix, Spotify, Google Play, ChatGPT, Microsoft Copilot, and Adobe suite.

### Is there still a maximum cashback limit on the ADCB 365 Cashback Credit Card?

Yes, the maximum monthly cashback cap remains at AED 1,000, provided you meet the minimum spend of AED 2,500 per month.

### Are there other credit cards in the UAE that offer 5% cashback on groceries?

Yes, cards like the Dubai First Cashback Credit Card, FAB Cashback Credit Card, FAB Islamic Cashback Credit Card, and Ajman Bank ULTRACASH Credit Card still offer 5% cashback on groceries.