Kredit
ADCB 365 Cashback Credit Card

Welcome offer

Welcome Bonus

AED 365 welcome bonus on spending AED 5,000 in the first 45 days

Bonus is credited within 90 days of meeting eligibility criteria

No Annual Fee

for the first year

Rewards

6%

on dining, including online food orders

5%

on groceries

3%

on utilities, telecom, fuel, and Salik

1%

on all other retail spends

5,000AED

minimum spend to qualify for cashback

1,000AED

monthly cashback cap

Additional Benefits

Buy 1 Get 1 Free Movie Tickets

Up to 4 complimentary tickets per month at VOX Cinemas in the UAE

Includes a 25% discount on select F&B items and size upgrades for popcorn/soft drinks

Visa Agoda Discounts

Up to 12% off on select hotel bookings

Instalment Payment Plans

Convert large purchases into 0% interest instalments

Credit Shield

Complimentary life cover

Eligibility

21

Minimum Age

8,000AED

Minimum Income

15,000AED

Minimum Credit Limit

Fees

AED 383.25

Annual Fee (including VAT)

3.69%

Monthly interest rate

AED 288.75

Overlimit fee

Late Payment feeAED 241.5
Cash Advance Fee3.15%*

*3.15% or AED 105 (whichever is higher)

Credit Shield1.0395%*

*of outstanding at billing cycle

International Transaction Fee (non-AED currency)2.99%
International Transaction Fee (AED currency)2.1%
Temporary Credit Limit Increase FeeAED 52.5
Foreclosure FeeAED 210*

*Balance Transfer/Credit Card Loan/Installment Plans

Installment Processing FeeAED 52.5
Card Replacement FeeAED 78.75

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