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 1.25% cashback on monthly spend of AED 5,000+, or 1% below that threshold
- Reduced 0.75% cashback on supermarkets, fuel, utilities, transport, telecom and similar categories
- 4 complimentary lounge visits a year at 25+ lounges worldwide via Mastercard Travel Pass
- Buy 1 get 1 free movie tickets at Reel Cinemas, up to 2 free tickets a month (until Dec 2026)
Earn rates
| Category | Rate |
|---|---|
| Travel | 1.25% |
| Retail | 1.25% |
| Dining & food | 1.25% |
| Online shopping | 1.25% |
| International spend | 1.25% |
| Supermarket | 0.75% |
| Fuel | 0.75% |
| 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).
0.75% cashback on eligible spend at merchants located within the European Union, against 1.25% on other non-AED spend at monthly spend of AED 5,000 or more.
Benefits & perks
- •4 complimentary airport lounge visits via Mastercard Travel Pass (25+ lounges worldwide), for primary and supplementary cardholders
- •Buy 1 get 1 free movie tickets at Reel Cinemas: up to 2 free tickets per month (until 31 Dec 2026)
- •20% off food and beverages at Reel Cinemas counter (minimum AED 20 spend)
- •Up to 20% off all Avis car rentals, with a free upgrade
- •20% off 1 talabat grocery or food delivery order per month (capped at AED 14, use code MASTERCARD)
- •Purchase protection against theft or accidental damage for 180 days from purchase date
- •0% instalment payment plan for school fees
Every card is checked against official bank sources. Last updated September 2026.
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