ADCB Emirati Islamic Credit Card
Enjoy up to 7% cashback on everyday spending with the Shari’ah-compliant ADCB Emirati Islamic Credit Card, exclusively designed for UAE Nationals.
Overview
- ✓7% cashback on airline tickets spends
- ✓7% cashback on hotel spends
- ✓7% cashback on fuel
- ✓7% cashback on dining including online food orders
- ✓7% cashback on jewellery purchases
- ✓7% cashback on spas and salons
- ✓7% cashback on health clubs and gyms
- ✓50% cashback on movies tickets purchased online
- ✓1% cashback on all international retail purchases including the 7 categories
- ✓1% cashback on all other domestic retail purchases.
- ✓Unlimited access at over 1,000 airport lounges worldwide for self plus 1 guest per visit
- ✓ADCB Emirati Islamic Credit Card entitles you to comprehensive travel insurance that includes medical and inconvenience cover.
- ✓Avis Rent a Car Benefits-Up to 35% off for ADCB Emirati Islamic Credit cardholders for renting worldwide.
- ✓Experience offers unbeatable value with 2-for-1 offers at top restaurants, spas, fitness outlets, entertainment across the Middle East.
- ✓Enjoy 10% discount when shopping at The Bicester Village by paying using your ADCB Emirati Islamic Credit Card.
- ✓Receive a complimentary beverage on us all year round with unlimited Buy 1 Get 1 free offer at Caribou Coffee.
- ✓Takaful Credit Shield-Enjoy complimentary life cover.
- ✓Convert school fees into a 0% Profit Payment Plan.
- ✓Transfer your outstanding balances from other bank credit cards.
- ✓PayOrder Facility:PayOrder facility provides you funds with flexibility, convenience and an unmatchable speed of 60 seconds.
Eligibility
- ✓To apply for the ADCB Emirati Islamic Credit Card you need to meet the following requirements:
- ✓You should be at least 18 years old
- ✓You need to have a minimum salary of AED8,000 or be eligible for a card limit of at least AED15,000
Fees & Charges
Top Benefits
Airport Lounge
Complimentary access to selected airport lounges.
Balance Transfer
Benefit available as per bank terms and conditions.
Cashback
Earn cashback on eligible spends.
Credit Shield
Benefit available as per bank terms and conditions.
Travel Insurance
Travel related privileges and partner offers.
Documents Required
- ✓Emirates ID, passport/visa copy, salary proof and bank statements as requested by the bank.
Creditcardfinder Score
Score based on Good overall value, moderate salary eligibility, standard annual fee, multiple selected benefits. Final approval and card terms remain subject to bank policy.
About Abu Dhabi Commercial Bank
Abu Dhabi Commercial Bank (ADCB) is one of the UAE’s leading banks, offering credit cards, personal loans, mortgages, accounts, wealth management and digital banking services. ADCB credit cards are designed for different lifestyles and income levels, with benefits that may include cashback, TouchPoints rewards, travel privileges, cinema offers and merchant discounts.
FAQs
Will I receive cashback if my monthly spending is below AED 7,000?
No. Cardholders must spend at least AED 7,000 on eligible retail purchases within a calendar month to qualify for cashback. If spending falls below this threshold, no cashback will be earned for that month, including the standard 1% cashback on other purchases.
Do purchases made using supplementary cards count towards the AED 7,000 monthly spending requirement?
Yes. Eligible purchases made using both primary and supplementary cards are combined when calculating the AED 7,000 monthly spending requirement. This allows family members with supplementary cards to contribute towards meeting the cashback eligibility threshold.
Why did I receive 1% cashback instead of 7% on an eligible purchase
Cashback depends on the merchant's category code (MCC), which is assigned by the payment network. For example, a hotel booking may receive only 1% cashback if the merchant is classified under a category outside the qualifying hotel codes. ADCB calculates cashback based on this classification rather than the type of purchase alone.
When will cashback be credited to my ADCB Emirati Islamic Credit Card
Eligible cashback is calculated monthly and credited directly to the card account. It generally appears on the statement in the month following the qualifying transaction. Cashback is subject to the monthly spending requirement, applicable exclusions and the maximum monthly cashback limit.
Can I access airport lounges with a guest using my ADCB Emirati Islamic Credit Card?
Yes. Eligible cardholders can access participating airport lounges with one complimentary guest per visit. Lounge access is also available to supplementary cardholders. Customers must register through the Visa Airport Companion App and check participating lounge availability. Additional visits or guests beyond the entitlement may cost USD 32 per visit.
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