ADCB Essential Cashback Credit Card
The ADCB Essential Cashback Credit Card turns everyday spending into savings with up to 1.25% cashback on monthly spends of AED 5,000 or more, plus complimentary airport lounge access and Buy 1 Get 1 free movie tickets at Reel Cinemas.
Overview
- ✓1.25% cashback on monthly spends of AED5,000 or more.
- ✓1% cashback on monthly spends of up to AED5,000.
- ✓0.75% cashback on select spend categories.
- ✓Buy 1 Get 1 Free movie tickets at Reel Cinemas.
- ✓Enjoy 20% discount on food and beverage purchased at the counter on a minimum spend of AED20.
- ✓Enjoy 4 complimentary visits to 25+ airport lounges worldwide for you and your supplementary cardholders.
- ✓Enjoy up to 20% discount on all rentals in addition to a free upgrade at Avis Car Rental.
- ✓Get 20% off grocery or food delivery orders once a month on talabat.
- ✓Shop with confidence, knowing that the purchases you make with your card are protected in case of theft or accidental damage for up to 180 days from the date of purchase.
- ✓Enjoy complimentary life cover.
- ✓Instalments payment plans.
- ✓Convert school fees into a 0% Interest Payment Plan.
- ✓FlexiPay-Repay retail balances in monthly payments.
- ✓Transfer your outstanding balances from other bank credit cards.
- ✓Credit card loan-Benefit from a zero interest rate and repay in easy installments of up to 12 months.
Eligibility
- ✓ou should be at least 18 years old
- ✓You need to have a minimum salary of AED5,000 or be eligible for a credit limit of at least AED3,000
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.
Cinema Offers
Benefit available as per bank terms and conditions.
Credit Shield
Benefit available as per bank terms and conditions.
Easy Installment Plan
Benefit available as per bank terms and conditions.
Free For Life
Benefit available as per bank terms and conditions.
Installment Plans
Benefit available as per bank terms and conditions.
Loan on Card
Convert eligible limits into easy installments.
Talabat Offer
Benefit available as per bank terms and conditions.
Documents Required
- ✓Applicants may need to provide:
- ✓Valid Emirates ID
- ✓Passport copy
- ✓UAE residence visa copy, where applicable
- ✓Salary certificate or other proof of income
- ✓Recent bank statements or banking details
Creditcardfinder Score
Score based on Strong overall value, accessible salary eligibility, low 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
Does the cashback apply only to AED spends, or foreign currency purchases too?
Good news for travelers — cashback is earned on both AED and non-AED spends, so purchases made abroad or in foreign currency still count toward your rewards.
Can I get a discount on food and drinks at the cinema, or just the tickets?
Yes — this often-missed detail adds extra value. Along with the Buy 1 Get 1 offer on movie tickets at Reel Cinemas, cardholders enjoy a 20% discount on food and beverages at the counter with a minimum spend of AED 20.
Is there a signup bonus for new cardholders?
Yes. Applicants can enjoy a welcome bonus of up to AED 350 when applying through select digital channels — a nice head start before everyday cashback even kicks in.
Does purchase protection cover items long after I've bought them?
It does, and for longer than most expect. Purchases made with the card are protected against theft or accidental damage for up to 180 days from the date of purchase.
Can I still access airport lounges if I only spend in AED most of the time?
Yes, with a simple trigger. Cardholders get one complimentary lounge visit automatically, and after that, just a single international transaction of USD 1 or more unlocks complimentary access for the next 3 months — an easy way for AED-heavy spenders to keep lounge access active.
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