What is the annual fee for the ADCB 365 Cashback Credit Card?

The annual fee is AED 383.25 (inclusive of VAT). It is waived for the first year — from the second year onwards the fee applies.

What is the minimum salary to apply for the ADCB 365 card?

The minimum monthly salary requirement is AED 8,000. The minimum credit limit is AED 15,000.

Does the ADCB 365 card include airport lounge access?

No, the ADCB 365 Cashback Credit Card does not include airport lounge access. It is a cashback-focused card. If lounge access is a priority, consider ADCB's higher-tier cards.

What movie and cinema offers come with the ADCB 365 card?

Cardholders get a Buy 1 Get 1 Free movie ticket offer at VOX Cinemas in the UAE, up to 4 complimentary tickets per month. A 25% discount on select food and beverage items at the cinema is also included.

What welcome bonus does the ADCB 365 card offer?

New cardholders receive an AED 365 welcome bonus when they spend AED 5,000 within the first 45 days of card issuance. The bonus is credited within 90 days of meeting the eligibility criteria.

ADCB 365 Cashback Card — 6% Dining, 3% Groceries 2026

Q: What cashback rates does the ADCB 365 card offer?

From 1 July 2026, the card earns 6% on dining, 5% on fuel, Salik and named home digital entertainment or AI subscriptions, 3% on groceries, 0.5% on utilities, telecom, transport and other select categories, and 1% on other retail spend. EU spends earn 0.5%. A minimum monthly spend of AED 5,000 applies and cashback is capped at AED 1,000 per month.

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 fuel, Salik, named home entertainment and AI app subscriptions

See full breakdown

3%

on groceries and supermarkets

See full breakdown

0.5%

on utilities, telecom, transport and other select categories, plus EU spends

See full breakdown

1%

on all other retail spends

5,000AED

minimum spend to qualify for cashback

1,000AED

monthly cashback cap

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Eligibility

21

Minimum Age

8,000AED

Minimum Income

15,000AED

Minimum Credit Limit

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Emirates ID + passport with residence visa

Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.

Check your AECB report

Recent rejections or missed payments can stall approval

A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.

August Spotlight

Emirates NBD

Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.

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