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: Babyshop, Centrepoint, Emax, Homebox, Home Centre, Lifestyle, Max, Shoemart, Splash and Styli. 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 must be at least 18 years old and have a minimum monthly salary of AED 5,000, or qualify for a credit limit of at least AED 3,000.

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 finance rate is 3.69% on retail and cash advances. Late payment costs AED 241.50, cash advances cost 3.15% of the amount or AED 105, whichever is higher, and international transactions carry a 2.99% margin (plus card-scheme processing on non-AED purchases). Card replacement is AED 78.75, and supplementary cards are complimentary.