ADCB Islamic Emirati Credit Card

This Sharia-compliant card is available exclusively to UAE Nationals.

Spend AED 7,000 or more in a calendar month on dining, fuel, hotels, travel, fitness, spas or jewellery to earn 7% cashback, capped at AED 1,500 per month.

No. This card is Sharia-compliant and does not charge a monthly interest rate; a Late Payment / Collection Fee applies instead, which is donated to charity after cost recovery per Shariah rules.

The annual fee is AED 945, but it's waived for the first year, so new cardholders pay nothing in year one and AED 945 from year two onward. There's no separate joining fee, and supplementary cards are complimentary, so adding one for a family member doesn't add to the annual cost.

You get unlimited complimentary visits to over 1,000 airport lounges worldwide, for both the cardholder and one guest per visit. If you bring an extra guest or want more visits than the complimentary allowance covers, ADCB charges USD 32 per person per visit.

Cardholders get unlimited buy-1-get-1-free beverages at Caribou Coffee outlets in the UAE all year, with no monthly cap (delivery orders and bottled beverages are excluded). The card also includes complimentary Takaful Credit Shield, a Sharia-compliant life cover benefit for the cardholder.