Abu Dhabi Commercial Bank
Essential Cashback Credit Card
The Essential Cashback Credit Card is a cashback credit card from Abu Dhabi Commercial Bank. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Min. monthly spend
AED 1,000
Material
Plastic
Card highlights
- Earn 1% cashback to AED 5,000/month, then 1.25% above that
- 4 complimentary airport lounge visits across 25+ lounges
- Buy-one-get-one Reel Cinemas tickets (up to 2/month) plus 20% off F&B
- Avis car rental up to 20% off and talabat 20% off (up to AED 14)
Earn rates
| Category | Rate |
|---|---|
| Travel | 1.25% |
| Retail | 1.25% |
| Supermarket | 1.25% |
| Dining & food | 1.25% |
| Fuel | 1.25% |
| Online shopping | 1.25% |
| International spend | 1.25% |
| Utilities | 0.75% |
| Education | 0.75% |
| Transport | 0.75% |
| Real estate | 0.75% |
Rewards on this card are capped at AED 1,000 a month across all categories (about AED 12,000 a year).
Current welcome offer
Up to AED 350 welcome bonus
- Available via select digital channels only
Benefits & perks
- •Buy one get one free at Reel Cinemas: up to 2 tickets/month, plus 20% off food and beverage (valid to 31 Dec 2026)
- •4 complimentary airport lounge visits per year (25+ lounges, cardholder and supplementary)
- •Purchase protection for 180 days
- •Credit Shield cover
- •0% instalment plan for school fees
- •Up to 20% discount with Avis car rental
- •20% discount on talabat orders (capped at AED 14 per order)
Every card is checked against official bank sources. Last updated July 2026.
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More from Abu Dhabi Commercial Bank
365 Cashback Credit Card
- Earn 6% cashback on dining, 5% on groceries, fuel and digital subscriptions, 1% on all other spend
- Buy-one-get-one VOX Cinemas tickets (up to 4 free tickets a month) plus 25% off F&B
Updated July 2026
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