ADCB Shukran Credit Card

The card carries an AED 262.50 annual fee, but it's waived for UAE Nationals permanently and waived for the first year if you're a resident. There's no joining fee at all. After year one, residents pay the AED 262.50 charge going forward.

Spend AED 8,000 within 60 days of card issuance and you'll receive up to AED 1,200 in Shukrans. UAE Nationals get AED 1,200, residents get AED 1,000, and existing cardholders adding this card get AED 200. The bonus is credited as Shukran Rewards points, not cash.

You earn 10% back as Shukrans at Landmark Group brands like Centrepoint, Max, Home Centre, Splash, Babyshop, Lifestyle, Shoemart and Emax. General retail spend outside those categories earns 1.5%, while fuel, education, government, real estate, telecom, charity, transport, supermarket, auto dealer and insurance spend earn a reduced 0.5%.

You need a minimum monthly salary of AED 5,000, or you can qualify by being eligible for a credit limit of at least AED 3,000 even if your salary is lower. No minimum age is specified for this card.

Cardholders get buy-1-get-1-free movie tickets at Reel Cinemas, capped at 2 free tickets per month, plus 20% off food and beverages at the counter on a minimum spend of AED 20. It's paired with a second perk: instant fast-track to Shukran Platinum tier membership on card issuance.

The monthly interest rate is 3.25% (39.00% per annum) if you carry a balance. Late payment costs AED 241.50, cash advances cost 3.15% of the amount or AED 105, whichever is higher, and non-AED transactions carry a 2.99% international transaction fee. Card replacement is AED 78.75, and supplementary cards are complimentary.