Shukran ADCB Islamic Card
Shukran ADCB Islamic Card is a UAE Islamic covered card with Shukrans rewards. Its minimum salary is unconfirmed; ask the issuer. The listed annual fee is AED 262.5 before the conditional first-year waiver. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 2.5/560% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published cinema benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
Explore all ADCB cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 262.5
- Bank FX charge
- 2.99%; scheme fees may apply
- Monthly profit rate
- 3.69%
- Reward programme
- Shukrans
- Salary transfer required
- No published requirement
First year free; standard renewal AED 262.50 including VAT. No annual fee for UAE nationals per published product terms.
Detailed product page says AED 5,000 salary or AED 3,000 credit-limit eligibility; official comparison data says AED 8,000. Confirm the applicable salary floor with ADCB.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Participating Shukran brands | 10% back as Shukrans | Confirm product-specific caps with the bank | Babyshop, Centrepoint, Emax, Homebox, Homecentre, Lifestyle, Max, Shoemart, Splash and Styli. |
| Other eligible general retail | 1.5% back as Shukrans | Confirm product-specific caps with the bank | Reduced domestic categories and EEA spend excluded. |
| Restricted domestic categories and EEA retail | 0.5% back as Shukrans | Confirm product-specific caps with the bank | Fuel, education, government, real estate, telecom, charity, transport, supermarkets, auto dealers and insurance. EEA classification follows Visa guidelines. |
Why this card has no annual AED forecast
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Published earning rates, known fees and bank conditions remain available in this review.
Check ADCB's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for Shukran ADCB Islamic Card
Shukran ADCB Islamic Card
Dirham Score 2.5/560% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published cinema benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
First year free; standard renewal AED 262.50 including VAT. No annual fee for UAE nationals per published product terms.
Detailed product page says AED 5,000 salary or AED 3,000 credit-limit eligibility; official comparison data says AED 8,000. Confirm the applicable salary floor with ADCB.
View breakdown
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Calculation assumptionsRewards, fees & important conditions
Read the full Shukran ADCB Islamic Card review and fee maths
Reel Cinemas buy-one-get-one, up to 2 free tickets monthly through 31 December 2026; eligible ticket types apply. · No complimentary lounge entitlement established in the reviewed product page.
Monthly profit rate: 3.69%. Bank FX charge: 2.99%.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
AED 1,200 welcome Shukrans for new UAE-national cardholders, AED 1,000 for other new cardholders and AED 200 for existing ADCB cardholders, after AED 8,000 within 60 days; credit within 120 days. Welcome not forecast.
Bank FX 2.99% is additional to scheme charges.
Official bank source · checked 2026-10-24Exact product variant artwork from the official bank catalogue/product page. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary lounge entitlement established in the reviewed product page.
- Cinema: Reel Cinemas buy-one-get-one, up to 2 free tickets monthly through 31 December 2026; eligible ticket types apply. · stated expiry 2026-12-31
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- AED 1,200 welcome Shukrans for new UAE-national cardholders, AED 1,000 for other new cardholders and AED 200 for existing ADCB cardholders, after AED 8,000 within 60 days; credit within 120 days. Welcome not forecast.
- Bank FX 2.99% is additional to scheme charges.
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.
Emirates Islamic Switch Cashback Card
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Compare Shukran ADCB Islamic Card with Emirates Islamic Switch Cashback CardADIB Cashback Visa Covered Card
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Compare Shukran ADCB Islamic Card with ADIB Cashback Visa Covered CardCBD Al Islami Super Saver Visa Signature Credit Card
CBD · minimum salary Confirm with bank
Compare Shukran ADCB Islamic Card with CBD Al Islami Super Saver Visa Signature Credit CardShukran ADCB Islamic Card FAQs
What salary do you need for Shukran ADCB Islamic Card?
A current minimum monthly salary is not confirmed in this record. Ask the bank before applying; salary alone never guarantees approval.
What is the annual fee for Shukran ADCB Islamic Card?
The listed annual fee is AED 262.5. First year free; standard renewal AED 262.50 including VAT. No annual fee for UAE nationals per published product terms.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- Shukran ADCB Islamic Card official product terms
- ADCB: Official product page
- ADCB: Current Islamic tariff
- ADCB: Islamic card KFS
- Shukran ADCB Islamic 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.