ADCB · UAE CARD REVIEW

talabat ADCB Credit 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 0

Bank FX charge

2.99%; scheme fees may apply

Monthly interest rate

3.69%

Reward programme

talabat Credit

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

1.25% back as talabat credit on eligible other retail; selected MCCs and European retail earn 0.35%. Up to 35% on eligible talabat orders subject to spend / order caps.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 1,560 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.

Restricted talabat credit valued at face value only when used. No talabat-order attribution is assumed. International estimate assumes eligible non-UK/non-EEA retail; UK/EEA0.35%. School/fuel/grocery selected MCCs0.35%; bank bills excluded conservatively. Earning restricted to assigned credit limit.

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 750 welcome talabat creditNo stated deadline

Conventional banking

ADCBBANK-SOURCED

talabat ADCB Credit Card

Dirham Score 3.0/5100% data coverage · editorial methodHow this score works

• + Published free-for-life annual fee
• + Published airport lounge benefit
• + Reward limitations disclosed

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

Min. salary: AED 5,000

0.35% groceries 0.35% school feesCinema BOGOLounge access

Annual fee Free for life

ESTIMATED FIRST-YEAR VALUE

AED 1,560

Partial estimate · see details

View breakdown

Regular welcome+ AED 750

Promotional booster+ AED 0

Annual rewards+ AED 810

Fee waiver+ AED 0

Joining-fee refund+ AED 0

Annual fee− AED 0

Actual modelled netAED 1,560

Restricted talabat credit valued at face value only when used. No talabat-order attribution is assumed. International estimate assumes eligible non-UK/non-EEA retail; UK/EEA0.35%. School/fuel/grocery selected MCCs0.35%; bank bills excluded conservatively. Earning restricted to assigned credit limit.

Calculation assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

1.25% back as talabat credit on eligible other retail; selected MCCs and European retail earn 0.35%. Up to 35% on eligible talabat orders subject to spend / order caps.

Buy 1 Get 1 at Reel Cinemas: up to two complimentary tickets per month; current offer ends 31 December 2026. · Four annual visits to 25+ lounges via Mastercard Travel Pass; qualifying non-AED transaction required.

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

AED 750 talabat credit for eligible new ADCB credit customers applying through the approved digital channel and spending AED 5,000 within 45 days. Existing customers receive a different offer.

Restricted talabat credit valued at face value only when used. No talabat-order attribution is assumed. International estimate assumes eligible non-UK/non-EEA retail; UK/EEA0.35%. School/fuel/grocery selected MCCs0.35%; bank bills excluded conservatively. Earning restricted to assigned credit limit.

Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.

Talabat monthly boost requires AED 2,500 total retail spend: 35% on the first ten orders, maximum AED 35 per order and AED 350 monthly. Otherwise 1.25%. General dining is not assumed to be ordered through talabat.

International benchmark assumes eligible non-UK/non-EEA retail at 1.25%; UK/EEA merchants earn 0.35%. Selected domestic MCCs also earn 0.35%.

Digital welcome credit: AED 750 for new ADCB credit customers or AED 200 for eligible existing customers. First issuance only; conversion and cancel-reapply excluded. Credit cannot be withdrawn as cash.

Talabat pro delivery minimums: AED 50 for food; AED 100 for pro-marked mart, grocery and pharmacy orders.

Official bank source · checked 2026-10-18

Official fees / key facts

Current product

VAT-inclusive schedule identifyingtalabatPlatinum

Talabat supplemental terms

Default orange-to-red design; the bank offers seven personalized card designs. WebP copy resized without cropping or changing the depicted card. Image source

Published welcome offer

AED 750 welcome talabat credit

Ongoing eligible new-customer digital acquisition offer. Reward is talabat spending credit, not withdrawable cash.

No stated deadline

• New ADCB credit-card customer and approved digital application channel.
• Spend AED 5,000 in 45 days.
• Credit must be used on talabat; existing-customer offer differs.

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

Official offer terms

ADCB

talabat ADCB Credit Card

Regular welcome offer

AED 750 talabat credit for eligible new ADCB credit customers applying through the approved digital channel and spending AED 5,000 within 45 days. Existing customers receive a different offer.

Qualifying welcome value: AED 750. Requires AED 5,000 spend within 45 days.

Published welcome offer

AED 750 welcome talabat credit

Ongoing eligible new-customer digital acquisition offer. Reward is talabat spending credit, not withdrawable cash.

No stated deadline

• New ADCB credit-card customer and approved digital application channel.
• Spend AED 5,000 in 45 days.
• Credit must be used on talabat; existing-customer offer differs.

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

Official offer terms

Fees, rewards & eligibility

1.25% back as talabat credit on eligible other retail; selected MCCs and European retail earn 0.35%. Up to 35% on eligible talabat orders subject to spend / order caps.

Buy 1 Get 1 at Reel Cinemas: up to two complimentary tickets per month; current offer ends 31 December 2026. · Four annual visits to 25+ lounges via Mastercard Travel Pass; qualifying non-AED transaction required.

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

AED 750 talabat credit for eligible new ADCB credit customers applying through the approved digital channel and spending AED 5,000 within 45 days. Existing customers receive a different offer.

Restricted talabat credit valued at face value only when used. No talabat-order attribution is assumed. International estimate assumes eligible non-UK/non-EEA retail; UK/EEA0.35%. School/fuel/grocery selected MCCs0.35%; bank bills excluded conservatively. Earning restricted to assigned credit limit.

Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.

Talabat monthly boost requires AED 2,500 total retail spend: 35% on the first ten orders, maximum AED 35 per order and AED 350 monthly. Otherwise 1.25%. General dining is not assumed to be ordered through talabat.

International benchmark assumes eligible non-UK/non-EEA retail at 1.25%; UK/EEA merchants earn 0.35%. Selected domestic MCCs also earn 0.35%.

Digital welcome credit: AED 750 for new ADCB credit customers or AED 200 for eligible existing customers. First issuance only; conversion and cancel-reapply excluded. Credit cannot be withdrawn as cash.

Talabat pro delivery minimums: AED 50 for food; AED 100 for pro-marked mart, grocery and pharmacy orders.

Official bank source · checked 2026-10-18

Official fees / key facts

Current product

VAT-inclusive schedule identifyingtalabatPlatinum

Talabat supplemental terms

Default orange-to-red design; the bank offers seven personalized card designs. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: Four annual visits to 25+ lounges via Mastercard Travel Pass; qualifying non-AED transaction required.
• Cinema: Buy 1 Get 1 at Reel Cinemas: up to two complimentary tickets per month; current offer ends 31 December 2026. · stated expiry 2026-12-31
• Valet: No published benefit verified
• Golf: No published benefit verified

Exclusions and important product notes

• Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.
• Talabat monthly boost requires AED 2,500 total retail spend: 35% on the first ten orders, maximum AED 35 per order and AED 350 monthly. Otherwise 1.25%. General dining is not assumed to be ordered through talabat.
• International benchmark assumes eligible non-UK/non-EEA retail at 1.25%; UK/EEA merchants earn 0.35%. Selected domestic MCCs also earn 0.35%.
• Digital welcome credit: AED 750 for new ADCB credit customers or AED 200 for eligible existing customers. First issuance only; conversion and cancel-reapply excluded. Credit cannot be withdrawn as cash.
• Talabat pro delivery minimums: AED 50 for food; AED 100 for pro-marked mart, grocery and pharmacy orders.

Official bank sources and application information

• talabat ADCB Credit Card official product terms
• ADCB: Official fees / key facts
• ADCB: Current product
• ADCB: VAT-inclusive schedule identifyingtalabatPlatinum
• ADCB: Talabat supplemental terms
• talabat ADCB Credit 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.