Lifestyle
Merchant
Titan Global Retail
Special offers on all purchases at Titan Eye+. Complimentary frame with any lens purchase 20% discount on all purchases
Valid until 23 Jul 2026
ADCB Islamic Emirati Credit Card
A Sharia-compliant card for UAE Nationals, earning 7% cashback on dining, fuel, hotels, travel, fitness, spas and jewellery.
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 8,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ADCB Islamic Emirati Credit Card expects AED 8,000+ 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.
Rewards
7%
Cashback on dining, fuel, hotels, travel, fitness, spas and jewellery.
Earn 7% cashback on dining, fuel, hotels, travel, fitness, spas and jewellery spend once your total monthly spend reaches AED 7,000 or more, capped at AED 1,500 cashback per month.
See full breakdownRewards 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 2853View offer
Lifestyle
Merchant
Toys R Us
0% Interest Payment Plan for 3, 6 or 12 months on a minimum transaction of AED 1,000 made with your Credit Card at Toys R Us. To avail this offer, please call 600 50 2030 and book your plan. Contact Number: 800 869 778 732
Valid until 25 Jul 2026
Lifestyle
Merchant
369 cinemas
369 Cinemas, managed by Truth Cinemas, offers an unparalleled movie-going experience with 9 state-of-the-art screens featuring the latest in 4K projection technology and immersive Dolby Atmos sound. 25% discount on movie tickets through the 369 Cinemas website and app. To download the app, click on the link below: App Store: click here Google Play: click here Redemption Steps: Visit the website, click here or download the app Log in or continue as guest Select the movie, date and time Choose the seats and proceed Choose or skip food and beverage session Click on bank offers, select 25% for ADCB Cards and add the first 8 digits of your Card Enter your details and proceed to checkout
Valid until 27 Jul 2026
Lifestyle
Merchant
369 cinemas
Up to 25% discount on movie tickets and selected food & beverage at 369 Cinemas. 25% discount on movie tickets 20% discount on food & beverage except candy, chocolates and packed foods & drinks
Valid until 27 Jul 2026
Additional Benefits
Unlimited worldwide lounge access
Unlimited visits to 1,000+ lounges for you and a guest.
Unlimited complimentary visits to over 1,000 airport lounges worldwide for the cardholder plus one guest per visit. Additional visits or extra guests are charged at USD 32 per person per visit.
See full breakdownCaribou Coffee offer
Unlimited buy 1 get 1 free on beverages.
Unlimited buy-1-get-1-free beverages all year at Caribou Coffee outlets in the UAE, with no monthly cap. Not valid on delivery orders or bottled beverages.
See full breakdownTakaful Credit Shield
Complimentary Sharia-compliant life cover.
Complimentary Takaful Credit Shield, providing Sharia-compliant life cover for the cardholder.
See full breakdownEligibility
8,000AED
Minimum Income
UAE Nationals only
This Sharia-compliant card is available exclusively to UAE Nationals.
Fees
945AED
Annual Membership Fee
Waived for the first year.
Free
Supplementary Card
Complimentary.
105AED
Cash Advance Fee
Late Payment FeeAED 241.5*
*Charged on late payment; donated to charity per Shariah rules after cost recovery.
International Transaction Fee (non-AED)2.99%*
*2.99% of the transaction amount for non-AED spend.
Card ReplacementAED 78.75
Takaful Credit Shield0.93%*
*Optional; 0.9345% of the outstanding balance per month when enrolled.
Frequently Asked Questions
Get answers to common questions about ADCB Islamic Emirati Credit Card credit card
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