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 (2.1% 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 and to be at least 21 years old. Approved applicants are assigned a minimum credit limit of AED 3,500. Since the annual fee is free, there's no ongoing spend requirement just to keep the card open.

Spend AED 2,500 within 45 days of getting the card and ADCB credits AED 500 to your talabat Pay account as talabat credit. The credit lands within 90 days of qualifying, and it's a one-time reward rather than something you can repeat each year.

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.