ADCB Traveller vs ADCB 365 Cashback Credit Card: which is better in the UAE? (2026)

For day-to-day dining and groceries, the ADCB 365 Cashback earns more — its everyday cashback rates beat what the travel-focused Traveller returns on the same spend. Model your real monthly dining and grocery spend in the calculator above to see the difference.

The ADCB Traveller is the travel pick: it rewards flights and hotels, bundles lounge access, and adds Expedia and Careem partner offers. If a large share of your spend is travel, it pulls ahead of the 365.

The ADCB 365 opens at a lower salary tier than the premium Traveller card. The live spec table above shows the current minimum salary for each — check it before applying, since requirements can change.

Fee structures differ between the two cards and can include conditional waivers. The spec table above reads the current joining and annual fees straight from each card's terms, so confirm there before you apply.

Each card is optimised for one job — everyday cashback (365) or travel value (Traveller). If your spend is genuinely split, compare the net value of each in the calculator above using your real category amounts rather than holding both.

The ADCB 365 targets a more accessible salary tier, making it the easier entry point for most applicants. The Traveller is a premium card aimed at higher earners — confirm the live salary requirement in the spec table above.