Card face-off
ADCB Traveller vs ADCB 365 Cashback Credit Card: which is better in the UAE? (2026)
Abu Dhabi Commercial Bank (ADCB)
ADCB Traveller Credit Card
Abu Dhabi Commercial Bank (ADCB)
ADCB 365 Cashback Credit Card
Both cards come from ADCB but answer two different questions. The ADCB Traveller is built for people who fly often — it leans on travel rewards, lounge access and partner offers with Expedia and Careem. The ADCB 365 Cashback is an everyday card that pays high cashback on dining and groceries, on a more accessible salary tier. The right pick depends almost entirely on whether your biggest spend is travel or daily life.
ADCB Traveller Credit Card vs ADCB 365 Cashback Credit Card compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| AED 1,575 | AED 1,575 | 1.15% | AED 20,000 | Travel-focused rewards on flights and hotels, lounge access, and Expedia and Careem partner offers. |
| AED 383.25 | Free | 4.14% | AED 5,000 | High cashback on dining and groceries on an accessible salary tier — strongest for everyday spend. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| AED 1,575 | AED 1,575 | 1.15% | AED 20,000 | Travel-focused rewards on flights and hotels, lounge access, and Expedia and Careem partner offers. |
| AED 383.25 | Free | 4.14% | AED 5,000 | High cashback on dining and groceries on an accessible salary tier — strongest for everyday spend. |
ADCB Traveller Credit Card
Annual feeAED 1,575
Joining feeAED 1,575
Foreign transaction fee1.15%
Min. salaryAED 20,000
HighlightTravel-focused rewards on flights and hotels, lounge access, and Expedia and Careem partner offers.
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Joining feeFree
Foreign transaction fee4.14%
Min. salaryAED 5,000
HighlightHigh cashback on dining and groceries on an accessible salary tier — strongest for everyday spend.
Which card is better for what
Eight answers compare ADCB Traveller and ADCB 365 Cashback on general everyday spend; groceries; dining and food delivery; travel and flights; spending abroad; fuel and commuting; bills and utilities; rent. Each is priced on a month of its own, because a household that spends heavily on one thing does not spend the same total as one that does not. Within an answer both cards see the identical month.
Spending abroad prices AED 3,990 of the total as non-AED and takes each card's foreign transaction fee off the annual result. Two answers price air travel (travel and flights; spending abroad) and count the airport benefits a traveller uses, each at that card's own published allowance. Every other benefit these cards carry is worth nothing to this household and counts as nothing.
Those months run from AED 13,300 to AED 23,300 a month, and every answer states the one it was priced on. They are the same curated spend profiles every comparison page uses, so the household behind an answer here is the household behind it anywhere.
Annual totals are net of each card's annual fee: AED 1,575 for ADCB Traveller and AED 383 for ADCB 365 Cashback. ADCB Traveller needs a salary of AED 20,000 a month and ADCB 365 Cashback AED 5,000.
Best for general everyday spend: ADCB 365 Cashback
ADCB 365 Cashback returns more across the whole profile — AED 4,051 a year against AED 819, after each card's annual fee.
Modelled monthly spend
GroceryAED 3,500
DiningAED 2,800
UtilitiesAED 1,200
FuelAED 900
Everything elseAED 4,900
TotalAED 13,300
Annual return
ADCB Traveller Credit Card
Rewards+ AED 2,394
Annual fee– AED 1,575
Total0.51% of the profile, after everything+ AED 819
ADCB 365 Cashback Credit Card
Rewards+ AED 4,434
Annual fee– AED 383
Total2.54% of the profile, after everything+ AED 4,051
Best for groceries: ADCB 365 Cashback
On AED 6,500 a month of groceries, ADCB 365 Cashback earns AED 195 against AED 98. It keeps more over the year too, AED 5,131 against AED 1,359, after each card's annual fee.
Modelled monthly spend
GroceryAED 6,500
DiningAED 2,800
UtilitiesAED 1,200
FuelAED 900
Everything elseAED 4,900
TotalAED 16,300
Annual return
ADCB Traveller Credit Card
Rewards+ AED 2,934
Annual fee– AED 1,575
Total0.69% of the profile, after everything+ AED 1,359
ADCB 365 Cashback Credit Card
Rewards+ AED 5,514
Annual fee– AED 383
Total2.62% of the profile, after everything+ AED 5,131
Best for dining and food delivery: ADCB 365 Cashback
On AED 5,500 a month of dining and food delivery, ADCB 365 Cashback earns AED 330 against AED 83. It keeps more over the year too, AED 5,995 against AED 1,305, after each card's annual fee.
Modelled monthly spend
DiningAED 5,500
GroceryAED 3,500
UtilitiesAED 1,200
FuelAED 900
Everything elseAED 4,900
TotalAED 16,000
Annual return
ADCB Traveller Credit Card
Rewards+ AED 2,880
Annual fee– AED 1,575
Total0.68% of the profile, after everything+ AED 1,305
ADCB 365 Cashback Credit Card
Rewards+ AED 6,378
Annual fee– AED 383
Total3.12% of the profile, after everything+ AED 5,995
Best for travel and flights: ADCB Traveller
On AED 4,200 a month of travel and flights, ADCB Traveller earns AED 420 against AED 42. It keeps more over the year too, AED 8,551 against AED 4,651, after each card's annual fee.
Modelled monthly spend
FlightsAED 2,800
HotelsAED 1,400
GroceryAED 3,500
DiningAED 2,800
Everything elseAED 7,800
TotalAED 18,300
Annual return
ADCB Traveller Credit Card
Rewards+ AED 7,578
Benefits usedAirport lounge × 12, Airport transfers × 4+ AED 2,548
Annual fee– AED 1,575
Total3.89% of the profile, after everything+ AED 8,551
ADCB 365 Cashback Credit Card
Rewards+ AED 5,034
Annual fee– AED 383
Total2.12% of the profile, after everything+ AED 4,651
Best for spending abroad: ADCB Traveller
On AED 3,990 of foreign spend a month, ADCB Traveller charges 1.15%, which comes to AED 551 a year. ADCB 365 Cashback charges 4.14%, which comes to AED 1,982 a year. That leaves ADCB Traveller ahead over the year, AED 1,362 against AED 1,217.
Modelled monthly spend
Spent abroad, in another currencyAED 3,990
Spent in the UAEAED 9,310
TotalAED 13,300
Annual return
ADCB Traveller Credit Card
Rewards+ AED 1,676
Benefits usedAirport lounge × 8, Airport transfers × 4+ AED 1,812
Annual fee– AED 1,575
Foreign transaction fee1.15% on spend abroad– AED 551
Total0.85% of the profile, after everything+ AED 1,362
ADCB 365 Cashback Credit Card
Rewards+ AED 3,583
Annual fee– AED 383
Foreign transaction fee4.14% on spend abroad– AED 1,982
Total0.76% of the profile, after everything+ AED 1,217
Best for fuel and commuting: ADCB 365 Cashback
On AED 2,900 a month of fuel and commuting, ADCB 365 Cashback earns AED 87 against AED 44. It keeps more over the year too, AED 4,507 against AED 1,053, after each card's annual fee.
Modelled monthly spend
FuelAED 1,600
TransportationAED 1,300
GroceryAED 3,500
DiningAED 2,800
Everything elseAED 5,400
TotalAED 14,600
Annual return
ADCB Traveller Credit Card
Rewards+ AED 2,628
Annual fee– AED 1,575
Total0.6% of the profile, after everything+ AED 1,053
ADCB 365 Cashback Credit Card
Rewards+ AED 4,890
Annual fee– AED 383
Total2.57% of the profile, after everything+ AED 4,507
Best for bills and utilities: ADCB 365 Cashback
On AED 4,000 a month of bills and utilities, ADCB Traveller earns AED 60 against AED 20. ADCB 365 Cashback still shows the higher annual total, AED 4,219 against AED 1,323, because it earns more across the rest of the month.
Modelled monthly spend
UtilitiesAED 2,400
GovernmentAED 900
TelecomAED 700
GroceryAED 3,500
Everything elseAED 8,600
TotalAED 16,100
Annual return
ADCB Traveller Credit Card
Rewards+ AED 2,898
Annual fee– AED 1,575
Total0.68% of the profile, after everything+ AED 1,323
ADCB 365 Cashback Credit Card
Rewards+ AED 4,602
Annual fee– AED 383
Total2.18% of the profile, after everything+ AED 4,219
Best for rent: ADCB 365 Cashback
On AED 10,000 a month of rent, ADCB Traveller earns AED 150 against AED 50. ADCB 365 Cashback still shows the higher annual total, AED 4,651 against AED 2,619, because it earns more across the rest of the month.
Modelled monthly spend
Real EstateAED 10,000
GroceryAED 3,500
DiningAED 2,800
UtilitiesAED 1,200
Everything elseAED 5,800
TotalAED 23,300
Annual return
ADCB Traveller Credit Card
Rewards+ AED 4,194
Annual fee– AED 1,575
Total0.94% of the profile, after everything+ AED 2,619
ADCB 365 Cashback Credit Card
Rewards+ AED 5,034
Annual fee– AED 383
Total1.66% of the profile, after everything+ AED 4,651
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Cinema
50%
AED 0
50% · AED 0
Cinema
—
Flights
10%
AED 0
10% · AED 0
Flights
—
Hotels
10%
AED 0
10% · AED 0
Hotels
—
Dining
1.5%
AED 0
1.5% · AED 0
Dining
—
Fuel
1.5%
AED 0
1.5% · AED 0
Fuel
—
Salik
1.5%
AED 0
1.5% · AED 0
Salik
—
Grocery
1.5%
AED 0
1.5% · AED 0
Grocery
—
Utilities
1.5%
AED 0
1.5% · AED 0
Utilities
—
Charity
1.5%
AED 0
1.5% · AED 0
Charity
—
Government
1.5%
AED 0
1.5% · AED 0
Government
—
Telecom
1.5%
AED 0
1.5% · AED 0
Telecom
—
Transportation
1.5%
AED 0
1.5% · AED 0
Transportation
—
Automotive
1.5%
AED 0
1.5% · AED 0
Automotive
—
Education
1.5%
AED 0
1.5% · AED 0
Education
—
Insurance
1.5%
AED 0
1.5% · AED 0
Insurance
—
Real Estate
1.5%
AED 0
1.5% · AED 0
Real Estate
—
Equipment Rental
1.5%
AED 0
1.5% · AED 0
Equipment Rental
—
Other Spends
1.5%
AED 0
1.5% · AED 0
Other Spends
—
Airport Lounge Access
AED 2,208
Airport Lounge Access
—
Golf
—
Golf
—
VOX Cinemas BOGO
—
VOX Cinemas BOGO
AED 528
Careem Airport Transfers
AED 340
Careem Airport Transfers
—
Annual Fee
– AED 1,575
Annual Fee
– AED 383.25
Total
+ AED 973
Total
+ AED 145
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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The verdict
On an ordinary AED 13,300 month ADCB 365 Cashback comes out ahead by AED 3,232 a year, AED 4,051 against AED 819 for ADCB Traveller. That is after each card's annual fee and after every cap, which makes it the number to judge them on rather than either advertised rate.
Neither card answers every question. ADCB 365 Cashback answers six: general everyday spend; groceries; dining and food delivery; fuel and commuting; bills and utilities; rent. ADCB Traveller answers two: travel and flights; spending abroad. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.
Both charge an annual fee, AED 1,575 on ADCB Traveller and AED 383 on ADCB 365 Cashback, so both have to earn their keep before anything reaches you. Every figure above is already net of that.
Eligibility separates them too: ADCB 365 Cashback opens at AED 5,000 a month against AED 20,000 for ADCB Traveller. If you sit between the two thresholds the comparison is settled for you regardless of which earns more.
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ADCB Traveller Credit Card vs ADCB 365 Cashback Credit Card: FAQ
Common questions about choosing between ADCB Traveller Credit Card and ADCB 365 Cashback Credit Card.