ADCB · UAE CARD REVIEW

Traveller 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 20,000

Annual fee

AED 1,575

Bank FX charge

0%; scheme fees may apply

Monthly interest rate

3.69%

Reward programme

Cashback

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

1.5% on eligible domestic other retail; 10% eligible airline / hotel bookings. Other international retail earns no cashback. AED 5,000 monthly minimum and AED 1,500 cap apply.

Monthly spend gate: AED 5,000. Monthly reward cap: AED 1,500. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 135 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.

Direct domestic merchant retail is assumed at 1.5%; the bank can classify or exclude transactions. Airline, hotel and online-cinema spend is not assumed. Rewards are limited by assigned credit limit and AED 1,500 per month; no foreign general-retail cashback.

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

Conventional banking

ADCBBANK-SOURCED

Traveller Credit Card

Dirham Score 3.1/5100% data coverage · editorial methodHow this score works

• + Cashback rewards
• + Published airport lounge benefit
• + No bank FX markup; scheme fees may apply

• − Reward estimate has stated exclusions
• − Perk activation and qualifying conditions apply

Min. salary: AED 20,000

1.5% school fees 1.5% fuelCinema perksLounge access0% bank FX fee

Annual fee AED 1,575

ESTIMATED FIRST-YEAR VALUE

AED 135

Partial estimate · see details

View breakdown

Regular welcome+ AED 0

Promotional booster+ AED 0

Annual rewards+ AED 1,710

Fee waiver+ AED 0

Joining-fee refund+ AED 0

Annual fee− AED 1,575

Actual modelled netAED 135

Direct domestic merchant retail is assumed at 1.5%; the bank can classify or exclude transactions. Airline, hotel and online-cinema spend is not assumed. Rewards are limited by assigned credit limit and AED 1,500 per month; no foreign general-retail cashback.

Calculation assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

1.5% on eligible domestic other retail; 10% eligible airline / hotel bookings. Other international retail earns no cashback. AED 5,000 monthly minimum and AED 1,500 cap apply.

50% cashback on eligible online movie-ticket purchases in AED; AED 5,000 monthly retail minimum and combined AED 1,500 monthly cashback cap apply. · 14 lounge visits per year with one guest through Mastercard Travel Pass; qualifying rules apply.

Monthly interest rate: 3.69%. Bank FX charge: 0%.

AED 2,000 Expedia hotel voucher after annual-fee payment and AED 15,000 spend within 60 days. Restricted hotel voucher excluded from cash value.

Direct domestic merchant retail is assumed at 1.5%; the bank can classify or exclude transactions. Airline, hotel and online-cinema spend is not assumed. Rewards are limited by assigned credit limit and AED 1,500 per month; no foreign general-retail cashback.

0% is the bank FX markup; approximately 1.15% network processing can remain.

Standard Aspire fee AED 1,575; Privilege / Excellency pricing is AED 787.50.

Current product and supplemental terms specify 1.5% on other domestic retail without a separate fuel, education or utility category exclusion. Model assumes direct domestic merchant purchases, net of nonqualifying transactions.

Golf requires AED 5,000 monthly spend, advance booking and availability.

International retail outside airline/hotel bookings earns no cashback. The 10% travel, 50% online cinema and restricted AED 2,000 Expedia hotel voucher are excluded unless suitable spend is supplied.

Official bank source · checked 2026-10-18

Official fees / key facts

Current product

VAT-inclusive schedule

Current linked Traveller supplemental terms effective2024-07-15

Use official spelling Traveller with double l. Transparent padding around a black, straight card front; Mastercard branding is visible. WebP copy resized without cropping or changing the depicted card. Image source

ADCB

Traveller Credit Card

Regular welcome offer

AED 2,000 Expedia hotel voucher after annual-fee payment and AED 15,000 spend within 60 days. Restricted hotel voucher excluded from cash value.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

1.5% on eligible domestic other retail; 10% eligible airline / hotel bookings. Other international retail earns no cashback. AED 5,000 monthly minimum and AED 1,500 cap apply.

50% cashback on eligible online movie-ticket purchases in AED; AED 5,000 monthly retail minimum and combined AED 1,500 monthly cashback cap apply. · 14 lounge visits per year with one guest through Mastercard Travel Pass; qualifying rules apply.

Monthly interest rate: 3.69%. Bank FX charge: 0%.

AED 2,000 Expedia hotel voucher after annual-fee payment and AED 15,000 spend within 60 days. Restricted hotel voucher excluded from cash value.

Direct domestic merchant retail is assumed at 1.5%; the bank can classify or exclude transactions. Airline, hotel and online-cinema spend is not assumed. Rewards are limited by assigned credit limit and AED 1,500 per month; no foreign general-retail cashback.

0% is the bank FX markup; approximately 1.15% network processing can remain.

Standard Aspire fee AED 1,575; Privilege / Excellency pricing is AED 787.50.

Current product and supplemental terms specify 1.5% on other domestic retail without a separate fuel, education or utility category exclusion. Model assumes direct domestic merchant purchases, net of nonqualifying transactions.

Golf requires AED 5,000 monthly spend, advance booking and availability.

International retail outside airline/hotel bookings earns no cashback. The 10% travel, 50% online cinema and restricted AED 2,000 Expedia hotel voucher are excluded unless suitable spend is supplied.

Official bank source · checked 2026-10-18

Official fees / key facts

Current product

VAT-inclusive schedule

Current linked Traveller supplemental terms effective2024-07-15

Use official spelling Traveller with double l. Transparent padding around a black, straight card front; Mastercard branding is visible. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: 14 lounge visits per year with one guest through Mastercard Travel Pass; qualifying rules apply.
• Cinema: 50% cashback on eligible online movie-ticket purchases in AED; AED 5,000 monthly retail minimum and combined AED 1,500 monthly cashback cap apply.
• Valet: No published benefit verified
• Golf: Published benefit; qualifying conditions apply

Exclusions and important product notes

• 0% is the bank FX markup; approximately 1.15% network processing can remain.
• Standard Aspire fee AED 1,575; Privilege / Excellency pricing is AED 787.50.
• Current product and supplemental terms specify 1.5% on other domestic retail without a separate fuel, education or utility category exclusion. Model assumes direct domestic merchant purchases, net of nonqualifying transactions.
• Golf requires AED 5,000 monthly spend, advance booking and availability.
• International retail outside airline/hotel bookings earns no cashback. The 10% travel, 50% online cinema and restricted AED 2,000 Expedia hotel voucher are excluded unless suitable spend is supplied.

Official bank sources and application information

• Traveller Credit Card official product terms
• ADCB: Official fees / key facts
• ADCB: Current product
• ADCB: VAT-inclusive schedule
• ADCB: Current linked Traveller supplemental terms effective2024-07-15
• Traveller 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.