Abu Dhabi Commercial Bank
Traveller Credit Card
The Traveller Credit Card is a travel credit card from Abu Dhabi Commercial Bank. It has an annual fee of AED 1,575, and needs a minimum salary of AED 20,000 a month.
Annual fee
AED 1,575
Joining fee
Free
Min. salary
AED 20,000/mo
Rewards in
Cashback
Min. monthly spend
AED 5,000
Material
Plastic
Card highlights
- 10% cashback on airline tickets and hotel bookings (any airline, AED or non-AED); 1.5% on other domestic AED spend
- Up to 14 complimentary airport lounge visits a year (1,200+ lounges) via Mastercard Travel Pass, plus 4 complimentary Careem airport rides a year
- GHA Discovery Titanium status (500+ hotels), Hertz President's Circle and Avis discounts, plus complimentary travel insurance
- 50% cashback on cinema tickets online and complimentary golf at Arabian Ranches and Abu Dhabi Golf Club
Earn rates
| Category | Rate |
|---|---|
| Travel | 10% |
| Retail | 1.5% |
| Supermarket | 1.5% |
| Dining & food | 1.5% |
| Fuel | 1.5% |
| Utilities | 1.5% |
| Education | 1.5% |
| Transport | 1.5% |
| Online shopping | 1.5% |
| Real estate | 1.5% |
Rewards on this card are capped at AED 1,500 a month across all categories (about AED 18,000 a year).
Current welcome offer
AED 2,000 Expedia.ae hotel welcome voucher
- Earned by paying the AED 1,575 annual fee and spending AED 15,000 within 60 days of card issuance
- Redeemable once at expedia.ae/adcb for hotel stays worldwide (some hotel chains excluded)
- Applies to the base room rate only, excluding taxes and additional charges, for 1 room per booking
- Voucher valid for 6 months from issue, and the stay must be completed before it expires
Benefits & perks
- •14 complimentary airport lounge visits at 1,200+ lounges worldwide (primary, supplementary and 1 guest each), via Mastercard Travel Pass
- •Global Hotel Alliance Discovery Titanium membership: room upgrades, early check-in, late check-out and guaranteed availability at 500+ luxury hotels
- •Complimentary travel insurance with medical cover, inconvenience cover and car rental collision/loss damage waiver
- •4 complimentary Careem airport rides per year (up to AED 85 each)
- •Complimentary golf at Arabian Ranches Golf Club and Abu Dhabi Golf Club (with AED 5,000 monthly spend)
- •50% cashback on cinema tickets purchased online in AED
- •Hertz President's Circle: up to 15% off all rentals and guaranteed free upgrades
- •Avis: up to 25% off all rentals, a free upgrade and 10% off premium chauffeur services
- •0% foreign currency fee on overseas transactions charged by ADCB
- •20% off talabat food and grocery delivery once a month (capped at AED 14)
- •24/7 international concierge via the Mastercard World Elite Concierge Desk
- •0% interest easy payment plan for school fees
- •FlexiPay instalment plan for retail balances and ADCB credit card loans
- •Balance transfer facility
About this card
- •14x airport lounge visits: AED 1,645
- •4x Careem airport rides: AED 340
- •GHA DISCOVERY Titanium membership (room upgrades, guaranteed availability, early check-in/late check-out at 500+ hotels): AED 500
- •Hertz President's Circle (15% discount, free upgrades): AED 300
- •Avis rent a car (25% discount, free upgrade, 10% off chauffeur): AED 200
- •Travel insurance: AED 500
- •Golf access (needs AED 5,000 of card spend a month): AED 1,600
- •talabat discount: AED 168
- •Concierge service: AED 100
- •Credit shield: AED 100
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the Abu Dhabi Commercial Bank Traveller Credit Card earn?
An ADCB Mastercard with an AED 1,575 annual fee and no ADCB foreign currency margin, paying 10% cashback at merchants coded as airlines or hotels (bookings through travel agents earn the lower rates) and 1.5% on other AED spending in the UAE, only in a month you spend at least AED 5,000, capped at AED 1,500 a month; foreign currency spending outside airline and hotel merchants earns nothing.
What does the Abu Dhabi Commercial Bank Traveller Credit Card cost?
Annual fee AED 1,575 including VAT. No joining fee.
What does spending abroad cost on the Abu Dhabi Commercial Bank Traveller Credit Card?
Spending abroad costs about 1.15% all in: ADCB charges no foreign currency margin on the Traveller card, on non-AED or AED transactions, but the Mastercard processing fee of about 1.15%, which ADCB itself publishes, still applies. Foreign currency spending earns no cashback unless the merchant is coded as an airline or a hotel, so an airline or hotel booking abroad through a travel agent or a merchant coded otherwise earns nothing.
What should I watch out for with the Abu Dhabi Commercial Bank Traveller Credit Card?
Foreign currency spending earns nothing unless the merchant is coded as an airline or a hotel, so abroad the card's main saving is the absent ADCB margin. The 10% follows merchant codes: airlines and hotels qualify, but a booking through a travel agent or a merchant coded otherwise earns only 1.5% on AED spending in the UAE, and nothing on international spending. Below AED 5,000 of retail spending in a month the card earns nothing, and cashback stops at AED 1,500 a month.
More from Abu Dhabi Commercial Bank
ADCB 365 Cashback Credit Card
- 6% cashback on dining, 5% on fuel/Salik, streaming and AI subscriptions, 3% on groceries
- 1% cashback on other retail spend (0.5% on utilities, government, transport and similar categories)
Updated October 2026
ADCB Emirati Islamic Credit Card
- 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
Updated October 2026