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.
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
Explore all ADCB cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-18
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
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. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary 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.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: AED 5,000. Monthly reward cap: AED 1,000. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 3 % cashback | Shared/general conditions | 0 |
| Dining | 6 % cashback | Shared/general conditions | 0 |
| Fuel | 5 % cashback | Shared/general conditions | 0 |
| School Fees | 0 % cashback | Shared/general conditions | 0 |
| Utilities | 0.5 % cashback | Shared/general conditions | 0 |
| International Spend | 1 % cashback | Shared/general conditions | 0 |
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.
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
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 assumptionsRewards, fees & important conditions
Read the full ADCB Islamic 365 Cashback Card review and fee maths
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 2026-10-18Current Islamic schedule, September 2026
Supplemental terms; conventional June2026, Islamic link may retain older category table
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 cashbackStandard 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 termsLounge, 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.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare ADCB Islamic 365 Cashback Card with ADCB 365 Cashback Credit CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare ADCB Islamic 365 Cashback Card with CBD Super Saver Visa Signature Credit CardFAB Cashback Islamic Credit Card
FAB · minimum salary AED 5,000
Compare ADCB Islamic 365 Cashback Card with FAB Cashback Islamic Credit CardOfficial 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.