Lifestyle
Merchant
Al Ain Hotel
15% discount on food & beverage at Al Ain Hotel Restaurant, Al Ain Hotel.
Valid until 14 Jul 2026
ADCB Essential Cashback Credit Card
Free-for-life cashback Mastercard that rewards higher monthly spend: earn 1.25% on monthly retail spends of AED 5,000 or more, 1% below that, and 0.75% on select categories such as supermarket, fuel, utilities, telecom, government, education and real estate, with a Buy-1-Get-1 cinema offer at Reel Cinemas on top.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ADCB Essential Cashback Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
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
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 2894View offer
Lifestyle
Merchant
Al Ain Hotel
15% discount on food & beverage at Al Ain Hotel Cafe, Al Ain Hotel.
Valid until 14 Jul 2026
Lifestyle
Merchant
Al Ain Hotel Apartments
15% discount on food & beverage at Al Ain Hotel Apartments Cafe, Al Ain Hotel Apartments.
Valid until 14 Jul 2026
Lifestyle
Merchant
Al Ain Hotel Apartments
15% discount on food & beverage at Al Ain Hotel Apartments Restaurant, Al Ain Hotel Apartments.
Valid until 14 Jul 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 breakdownEligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
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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