ADCB · UAE CARD REVIEW

ADCB Islamic 365 Cashback Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 5,000

Annual fee

AED 383.25

Bank FX charge

2.99%; scheme fees may apply

Monthly profit rate

3.69%

Reward programme

Cashback

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

3% domestic groceries, 6% domestic dining, 5% fuel/Salik and eligible direct digital/AI subscriptions; 0.5% selected categories/EU retail, 1% other eligible retail. AED 5,000 monthly minimum; AED 1,000 cap.

Monthly spend gate: AED 5,000. Monthly reward cap: AED 1,000. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 3,305 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

WELCOME OFFERAED 365 welcome cashbackNo stated deadline

Sharia-compliant

ADCBISLAMIC EVERYDAY

ADCB Islamic 365 Cashback Card

Dirham Score 3.4/5100% data coverage · editorial methodHow this score works

• + Published first-year fee waiver
• + Published cinema benefit
• + Sharia-compliant product

• − Reward estimate has stated exclusions
• − Bank FX charge 2.99%; scheme charges may apply

Min. salary: AED 5,000

3% groceries 6% diningCinema BOGO

Annual fee AED 383.25First year waived

ESTIMATED FIRST-YEAR VALUE

AED 3,305

Partial estimate · see details

View breakdown

Regular welcome+ AED 365

Promotional booster+ AED 0

Annual rewards+ AED 2,940

Fee waiver+ AED 383.25

Joining-fee refund+ AED 0

Annual fee− AED 383.25

Actual modelled netAED 3,305

Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.

Calculation assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

3% domestic groceries, 6% domestic dining, 5% fuel/Salik and eligible direct digital/AI subscriptions; 0.5% selected categories/EU retail, 1% other eligible retail. AED 5,000 monthly minimum; AED 1,000 cap.

VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary. · No complimentary access verified

Monthly profit rate: 3.69%. Bank FX charge: 2.99%.

Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.

AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.

Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.

International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.

Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.

First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.

Islamic schedule specifically publishes 3.69% monthly profit for cards issued from 1 January 2023; older cards have a different rate. No conventional rate was substituted.

Official bank source · checked 2026-10-18

Current product

Current Islamic schedule, September 2026

June 2026 eligibility guide

Supplemental terms; conventional June2026, Islamic link may retain older category table

VOX usage guide June2026

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Published welcome offer

AED 365 welcome cashback

Standard welcome credit after qualifying initial spend.

No stated deadline

• Spend AED 5,000 within 45 days of card issuance.
• New-customer and eligible retail conditions apply.

Counted once in regular welcome value when qualifying conditions are met.

Official offer terms

ADCB

ADCB Islamic 365 Cashback Card

Regular welcome offer

Qualifying welcome value: AED 365. Requires AED 5,000 spend within 45 days.

Published welcome offer

AED 365 welcome cashback

Standard welcome credit after qualifying initial spend.

No stated deadline

• Spend AED 5,000 within 45 days of card issuance.
• New-customer and eligible retail conditions apply.

Counted once in regular welcome value when qualifying conditions are met.

Official offer terms

Fees, rewards & eligibility

3% domestic groceries, 6% domestic dining, 5% fuel/Salik and eligible direct digital/AI subscriptions; 0.5% selected categories/EU retail, 1% other eligible retail. AED 5,000 monthly minimum; AED 1,000 cap.

VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary. · No complimentary access verified

Monthly profit rate: 3.69%. Bank FX charge: 2.99%.

Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.

AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.

Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.

International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.

Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.

First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.

Islamic schedule specifically publishes 3.69% monthly profit for cards issued from 1 January 2023; older cards have a different rate. No conventional rate was substituted.

Official bank source · checked 2026-10-18

Current product

Current Islamic schedule, September 2026

June 2026 eligibility guide

Supplemental terms; conventional June2026, Islamic link may retain older category table

VOX usage guide June2026

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: No complimentary access verified
• Cinema: VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary.
• Valet: No published benefit verified
• Golf: No published benefit verified

Exclusions and important product notes

• AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.
• Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.
• International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.
• Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.
• First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.
• Islamic schedule specifically publishes 3.69% monthly profit for cards issued from 1 January 2023; older cards have a different rate. No conventional rate was substituted.

Official bank sources and application information

• ADCB Islamic 365 Cashback Card official product terms
• ADCB: Current product
• ADCB: Current Islamic schedule, September 2026
• ADCB: June 2026 eligibility guide
• ADCB: Supplemental terms; conventional June2026, Islamic link may retain older category table
• ADCB: VOX usage guide June2026
• ADCB Islamic 365 Cashback Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.