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Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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Get notified about UAE latest credit card products

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ADCB Islamic Emirati Credit Card
Joining Fee
Free
Annual Fee
AED 945
Minimum Salary
AED 8,000

ADCB Islamic Emirati Credit Card

A Sharia-compliant card for UAE Nationals, earning 7% cashback on dining, fuel, hotels, travel, fitness, spas and jewellery.

Updated Sep 2026

≈ AED 18,736 potential value / year · incl. perks
WebsiteVisit ADCB Islamic Emirati Credit Card credit card website

At a glance

Fees and eligibility

Joining FeeFree
Annual FeeAED 945
Minimum SalaryAED 8,000
Monthly Profit Rate
3.69%
International Transaction Fee (non-AED)
2.99%
See all fees

Rewards

CategoryUnder AED 7,000AED 7,000+
All other spend
0%
1%
CategoryUnder AED 7,000AED 7,000+
All other spend
0%
1%

Tiers are total monthly spend on the card. Total rewards capped at AED 1,500 a month

See all rewards

Top benefits

Airport loungeUnlimited
See all benefits

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 breakdown

50%

Cashback on movie tickets purchased online.

Earn 50% cashback on movie tickets purchased online once your total monthly spend reaches AED 7,000 or more, capped at AED 1,500 cashback per month.

See full breakdown

Rewards Calculator

My Cards

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Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

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Eligibility

18

Minimum Age

8,000AED

Minimum Income

15,000AED

Minimum Credit Limit

UAE Nationals only

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

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.

October 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.

See all
ENBD noon One Visa Credit Card Design
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
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER
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
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

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
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Offers

See all 3001
Lifestyle

Merchant

Optic Studio

30% discount on all products at Optic Studio

Valid until 15 Oct 2026
View offer
Lifestyle

Merchant

The Ninth Cut

10% discount on a la carte menu at The Ninth Cut exclusive to selected ADCB Cards

Valid until 15 Oct 2026
View offer
Lifestyle

Merchant

The Ninth Cut Experience

10% discount at The Ninth Cut Experience exclusive to selected ADCB Cards

Valid until 15 Oct 2026
View offer
Lifestyle

Merchant

Al Badayer Retreat

15% discount on F&B at Al Madam Restaurant, Al Badayer Retreat

Valid until 19 Oct 2026
View offer

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 breakdown

Caribou 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 breakdown

Takaful Credit Shield

Complimentary Sharia-compliant life cover.

Complimentary Takaful Credit Shield, providing Sharia-compliant life cover for the cardholder.

See full breakdown

Travel insurance

Complimentary medical and inconvenience cover.

Complimentary travel insurance (medical and inconvenience cover) for the cardholder, spouse and up to 5 children, up to age 75. Claim via creditcardclaims@crawco.me with your name, card's first 9 digits, address and policy section.

See full breakdown

Visa Infinite Concierge

24/7 concierge for travel, dining and events.

The Visa Infinite Concierge Desk handles table bookings, travel arrangements, shopping services and gift arrangements. Call 800 0441 3487 within the UAE or +971 4 361 1234 outside the UAE, or email concierge@visainfinite-mea.com.

See full breakdown

ENTERTAINER 2-for-1 offers

2-for-1 at restaurants, spas, fitness and entertainment.

Free ENTERTAINER app registration unlocks 2-for-1 offers at restaurants, spas, fitness outlets and entertainment venues across the Middle East. Register with your email and mobile number, then add your ADCB Emirati Islamic Credit Card.

See full breakdown

Avis President's Club

Up to 35% off worldwide car rentals.

Enrol in Avis President's Club Loyalty at avisworld.com/visa for up to 35% off worldwide car rentals, booked online through the same site.

See full breakdown

Bicester Village discount

10% off at The Bicester Village Shopping Collection.

10% discount when shopping at The Bicester Village, redeemed by downloading a VIP Pass on the day of your visit and presenting the QR code in participating stores.

See full breakdown

Fees

945AED

Annual Membership Fee

Waived for the first year.

Free

Supplementary Card

Complimentary.

3.15%

Cash Advance Fee

3.15% of the withdrawal or AED 105, whichever is higher.

Monthly Profit Rate3.69%*

*Applies to unpaid retail balances and cash advances under the Murabaha contract.

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 Shield0.9345%*

*Optional; 0.9345% of the outstanding balance per month when enrolled.

Important Stuff

Islamic Covered Cards Key Facts Statement

Opens in a new tab

Islamic Fees and Charges

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about ADCB Islamic Emirati Credit Card credit card

This Sharia-compliant card is available exclusively to UAE Nationals aged 18 or above, with a salary of at least AED 8,000 or eligibility for a credit limit of at least AED 15,000.

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.

This Sharia-compliant card has a 3.69% monthly profit rate on unpaid retail balances and cash advances under its Murabaha contract. A separate AED 241.50 late-payment donation applies when payment is delayed.

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.

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