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.
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
Explore all ADCB cards and accounts · Conventional credit 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.
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. 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 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.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 0.35 % cashback | Shared/general conditions | 0 |
| School Fees | 0.35 % cashback | Shared/general conditions | 0 |
| Fuel | 0.35 % cashback | Shared/general conditions | 0 |
| Utilities | 0 % cashback | Shared/general conditions | 0 |
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.
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
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 assumptionsRewards, fees & important conditions
Read the full talabat ADCB Credit Card review and fee maths
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 2026-10-18VAT-inclusive schedule identifyingtalabatPlatinum
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 creditOngoing 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 termsLounge, 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.
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
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Compare talabat ADCB Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare talabat ADCB Credit Card with CBD Super Saver Visa Signature Credit CardOfficial 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.