Lifestyle
Merchant
The Smash Room Abu Dhabi
15% discount on regular packages at The Smash Room Abu Dhabi
Valid until 4 Aug 2026
ADCB Essential Cashback Credit Card
Free-for-life cashback Mastercard earning 1.25% on monthly retail spends of AED 5,000+, with a Buy-1-Get-1 cinema offer at Reel Cinemas.
Updated May 2026
≈ AED 552 value / year · incl. perks
Welcome offer
AED 350 welcome bonus
Earn AED 350 cashback when you activate your card and meet the spend criteria.
Welcome bonus terms are set by ADCB and may change. Refer to ADCB's published Essential Cashback offer page for the current criteria.
See full breakdownRewards
1.25%
cashback on monthly retail spends of AED 5,000 or more.
Effective 1 July 2026. When your eligible monthly retail spend reaches AED 5,000 or more, all eligible non-select spends in that month earn 1.25% cashback.
See full breakdown1%
cashback on monthly retail spends below AED 5,000.
Eligible non-select spends earn 1% cashback when your monthly retail spend is below AED 5,000 but at least AED 1,000.
See full breakdown0.75%
cashback on select categories: supermarket, charity, fuel, utility, government, telecom, salik, transport, auto dealer, education, insurance, real estate, housing rentals and EU merchants.
Effective 1 July 2026. The 0.75% rate applies regardless of your monthly spend tier. Cashback is calculated using merchant category codes assigned by the merchant's acquiring bank and card scheme.
See full breakdown1,000AED
minimum monthly retail spend required to earn cashback.
No cashback is earned in any calendar month where eligible retail spend is below AED 1,000.
1,000AED
maximum cashback per month across all categories.
Total cashback earned in any calendar month is capped at AED 1,000 across all earning tiers and categories combined.
Rewards Calculator
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Documents ready
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.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Offers
See all 2780View offer
Lifestyle
Merchant
Crazy Fitness Gym
10% discount on regular memberships for up to 12 months at Crazy Fitness Gym
Valid until 5 Aug 2026
Lifestyle
Merchant
7MD Store
0% Interest Payment Plan for 3 or 6 months at 7MD Store
Valid until 6 Aug 2026
Lifestyle
Merchant
Al Maya Supermarket
Earn 1 bonus TouchPoint for every AED 1 spent
Valid until 8 Aug 2026
Additional Benefits
Reel Cinemas Buy 1 Get 1
Buy 1 Get 1 free on movie tickets at Reel Cinemas.
Effective 1 July 2026, replaces the previous AED 70 cashback on monthly cinema spends of AED 1,500 or more. Eligible on bookings made on Reel Cinemas channels with the ADCB Essential card. Subject to Reel Cinemas terms.
See full breakdownFees
Free
Annual Fee
Free for life
3.45%
Monthly Interest Rate
3.45% per month (41.40% per annum)
241.5AED
Late Payment Fee
Over Limit FeeAED 287.7
Cash Advance Fee3.15%*
*3.15% or AED 99.75, whichever is higher
International Transaction Fee (non-AED)2.99%*
*Currency conversion + bank handling on non-AED transactions
Card Replacement FeeAED 78.75
Frequently Asked Questions
Get answers to common questions about ADCB Essential Cashback Credit Card credit card
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