ADCB Talabat Credit Card

No, the annual fee is free, and so is the joining fee, so there's no threshold to hit or waiver to chase. Other charges still apply though: a 3.69% monthly interest rate, a 2.99% international transaction fee on non-AED spend (also 2.99% on AED-currency international transactions), and a 241.5 AED late payment fee if you miss a due date.

You need a minimum monthly salary of AED 5,000 or eligibility for a credit limit of at least AED 3,500, and you must be at least 18 years old. Since the annual fee is free, there's no ongoing spend requirement just to keep the card open.

Apply through an ADCB digital channel and spend AED 5,000 within 45 days of issuance. New ADCB credit cardholders can receive AED 750 in talabat credit; existing cardholders can receive AED 200. The one-time credit reaches the primary cardholder's talabat Pay account within 90 days of issuance. Converting an existing card or reapplying after cancelling a Talabat card does not qualify.

You get 35% back, as talabat credit, on your first 10 talabat orders each month, capped at AED 35 per order and AED 350 per month total. From June 2025 this rate requires at least AED 2,500 in monthly card spend to qualify; falling short drops talabat orders to the base 1.25% rate.

Everyday retail purchases earn 1.25% back as talabat credit. A reduced 0.35% applies to domestic fuel, education, government, real estate, telecom, charity, transport, supermarket, auto dealer, and insurance spend, as well as to purchases classified as UK/EEA under MasterCard's merchant guidelines.

Yes, you get 4 complimentary visits to over 25 lounges worldwide, accessed by registering the card with Mastercard Travel Pass. The first visit is free, and making one non-AED transaction of at least USD 1 keeps your access active for the following three months. Extra visits beyond the four included, or bringing a guest, cost USD 32 each.