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Abu Dhabi Commercial Bank
ADCB Emirati Islamic Credit Card
The ADCB Emirati Islamic Credit Card is a cashback credit card from Abu Dhabi Commercial Bank. It has an annual fee of AED 945, and needs a minimum salary of AED 8,000 a month.
Annual fee
AED 945
Joining fee
Free
Min. salary
AED 8,000/mo
Rewards in
Cashback
Min. monthly spend
AED 7,000
Card highlights
- 7% cashback on airlines, hotels, fuel, dining, jewellery, spas and gyms (AED spend); 50% on cinema tickets online; 1% on international retail and other domestic spend (min. AED 7,000 spend a month, capped at AED 1,500 a month)
- Unlimited lounge access (1,000+ lounges) for cardholder plus 1 guest per visit via Visa Airport Companion
- Complimentary travel insurance for cardholder, spouse and up to 5 children (to age 75)
- BOGO at Caribou Coffee year-round; 2-for-1 dining, spas and entertainment via Visa x ENTERTAINER
Earn rates
| Category | Rate |
|---|---|
| Travel | 7% |
| Dining & food | 7% |
| Fuel | 7% |
| Retail | 1% |
| Supermarket | 1% |
| Utilities | 1% |
| Education | 1% |
| Transport | 1% |
| Online shopping | 1% |
| International spend | 1% |
| Real estate | 1% |
Rewards on this card are capped at AED 1,500 a month across all categories (about AED 18,000 a year).
Current welcome offer
First year free
- Annual fee of AED 945 (including VAT) waived in the first year, charged from year two onwards
Benefits & perks
- •Unlimited complimentary airport lounge access (1,000+ lounges worldwide) for cardholder plus 1 guest, via Visa Airport Companion
- •Complimentary travel insurance covering medical and inconvenience, for cardholder, spouse and up to 5 children (up to age 75)
- •2-for-1 offers at restaurants, spas, fitness outlets and entertainment across the Middle East via Visa Experience with the ENTERTAINER
- •Buy 1 get 1 free at Caribou Coffee (UAE outlets, all year round)
- •Avis President's Club membership with up to 35% off car rentals worldwide
- •Visa Infinite concierge for restaurant reservations, travel, shopping and gift arrangements
- •10% off at The Bicester Village Shopping Collection with a VIP Pass
- •0% profit payment plan for school fees
- •FlexiPay: repay retail balances in monthly instalments
- •Instalment plans at participating partners
- •Balance transfer facility
- •Supplementary cards at no charge
- •Complimentary Takaful Credit Shield life cover
Every card is checked against official bank sources. Last updated September 2026.
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