Best ADCB Cashback Credit Cards in the UAE
ADCB's cashback credit cards, compared side by side.
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Good to know
365 Cashback, Essential Cashback, the Traveller and Islamic Emirati by category, fee and salary.
Best everyday cashback
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
≈ AED 9,732 potential value / year · incl. perks
6% cashback on dining (including online food orders)
5% cashback on fuel and Salik
3% cashback on groceries and supermarkets
Best free card
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Essential Cashback Credit Card
≈ AED 4,800 potential value / year · incl. perks
Up to 1.25% cashback on all spends
0.75% on select categories
BOGO at Reel Cinemas
Best for travel
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
≈ AED 22,880 potential value / year · incl. perks · incl. welcome bonus
10% Cashback on airline tickets
10% Cashback on hotel stays
1.5% Cashback on all domestic spends
Best ADCB Cashback Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 383.25 | AED 5,000 | 6% on dining, 5% on fuel and Salik, 3% on groceries; needs AED 5,000 monthly spend, capped at AED 1,000 a month |
| Free | AED 5,000 | Free for life, 1.25% cashback in months with AED 5,000+ retail spend, 1% from AED 1,000 |
| AED 1,575 | AED 20,000 | 10% cashback on airline tickets and hotel stays, 1.5% on other domestic spend |
 | AED 945 | AED 8,000 | 7% on dining, fuel, hotels, travel, fitness, spas and jewellery; UAE Nationals only |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 383.25 | AED 5,000 | 6% on dining, 5% on fuel and Salik, 3% on groceries; needs AED 5,000 monthly spend, capped at AED 1,000 a month |
| Free | AED 5,000 | Free for life, 1.25% cashback in months with AED 5,000+ retail spend, 1% from AED 1,000 |
| AED 1,575 | AED 20,000 | 10% cashback on airline tickets and hotel stays, 1.5% on other domestic spend |
| AED 945 | AED 8,000 | 7% on dining, fuel, hotels, travel, fitness, spas and jewellery; UAE Nationals only |
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 5,000
Highlight6% on dining, 5% on fuel and Salik, 3% on groceries; needs AED 5,000 monthly spend, capped at AED 1,000 a month
ADCB Essential Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightFree for life, 1.25% cashback in months with AED 5,000+ retail spend, 1% from AED 1,000
ADCB Traveller Credit Card
Annual feeAED 1,575
Min. salaryAED 20,000
Highlight10% cashback on airline tickets and hotel stays, 1.5% on other domestic spend
ADCB Islamic Emirati Credit Card
Annual feeAED 945
Min. salaryAED 8,000
Highlight7% on dining, fuel, hotels, travel, fitness, spas and jewellery; UAE Nationals only
November 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.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why choose ADCB Cashback
1.
Category cashback or a flat rate
365 Cashback pays most on dining, fuel and groceries; Essential Cashback pays one flat rate on almost everything. Choose by whether your spending concentrates in a few categories.
2.
Monthly spend conditions apply
365 Cashback pays only in months with AED 5,000 of card spend, and Essential Cashback moves from 1% to 1.25% at the same level. A card used as the main household card reaches both.
3.
Travel cashback is a separate card
The Traveller pays 10% on flights and hotels from AED 20,000 salary. Many ADCB customers hold it alongside 365 Cashback for everyday spend.
4 cards in the UAE
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 383.25
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Essential Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Up to 1.25% cashback on all spends
- 0.75% on select categories
- BOGO at Reel Cinemas
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 1,575
- 10% Cashback on airline tickets
- 10% Cashback on hotel stays
- 1.5% Cashback on all domestic spends
ABU DHABI COMMERCIAL BANK (ADCB)
IslamicADCB Islamic Emirati Credit Card
- Salary: AED 8,000+
- Annual Fee: AED 945
- Exclusive for UAE nationals
- 7% cashback on 7 categories
- 1% cashback on all other domestic and international spends
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–20,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–20,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best ADCB Cashback Credit Cards in the UAE
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