ADCB Essential Cashback Credit Card

Minimum Salary: AED 5,000

Annual Fee: Free for Life

✨Features:

Cash Back, Discounts / Vouchers / Offers, Airport Lounge Access, Cinema Offers, Travel Benefits, No Salary Transfer

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Cashback Credit Card Features

1% cashback on all purchases. 20% off Talabat food and grocery delivery (once a month).

Movie cashback.Complimentary airport lounge access.

Your minimum income should be AED 5,000 per month

Age 21 or older

Credit Card Highlights

1% cashback on all purchases.
20% off Talabat food and grocery delivery (once a month).
Movie cashback.
Complimentary airport lounge access.

Benefits

Enjoy a welcome bonus of up to AED 350 when you apply for the ADCB Essential Cashback Credit Card. Offer valid until 31 December 2025.
Up to AED 70 cashback per month on movies tickets purchased online.
Enjoy 4 complimentary visits to 25+ airport lounges worldwide for you and your supplementary cardholders.
Convert school fees into a 0% Interest Payment Plan.
Benefit from a zero interest rate and repay in easy installments of up to 12 months.
Receive up to 7% cashback – book your next holiday on booking.com.
Enjoy up to 20% discount on all AVIS rentals in addition to a free upgrade.

Rates and Fees

Free for life.

Eligibility & Requirements:

A minimum salary of AED 5,000 or be eligible for a credit limit of at least AED 3,000
Minimum age 21

Documents Required:

Copy of Emirates ID; Valid Passport & Residence Visa Copy.
Address Proof.
Bank Statements with Three Months Salary Credits.

Terms and conditions apply, subject to change without prior notice.

Top 3 ADCB Credit Card Benefits

Calculator Definitions

Amount
The total amount of money borrowed, also known as the principal.
Rate (%)
The annual interest rate applicable to the product. This rate is used to calculate the Annual Percentage Rate (APR).
Years
The original tenure of the product, expressed in years.
Effective Monthly Payment
The actual monthly installment after factoring in interest, fees, and other applicable costs. Think of this as your real monthly hit-points.
Calculated Annual Percentage Rate (APR %)
The APR reflects the total cost of the product, including interest, fees, and other charges. Since fee structures vary by bank, APR is the best stat to compare different financial products fairly.

Additional Information

By clicking Submit, I acknowledge that my details will be submitted to Gulf Policy Souq and then passed to Abu Dhabi Commercial Bank PJSC (“ADCB”). I consent to Gulf Policy Souq sharing my information with ADCB and acknowledge and agree that ADCB may, at its sole discretion, share my details with any UAE credit bureau and make enquiries about me with such credit bureaus.

By inquiring about ADCB services, offers, or products, I authorize ADCB representatives to contact me using my provided contact details, including my telephone or mobile number, regarding any ADCB product or service within a 12-month period from the date of this acknowledgment.

I hereby represent and warrant that all information provided is true, accurate, and complete. I agree to remain responsible for this information and to indemnify ADCB against any losses, claims, or liabilities arising from reliance on the provided details. ADCB is not obligated to verify the information provided nor required to offer any loan or credit facility based on this inquiry.

RELATED CREDIT CARDS

Emirates Islamic Cashback Plus Credit Card

Minimum Salary: AED 12,000

Annual Fee: AED 313 | Rate: 3.49%

✨Features:

Cash Back, Discounts / Vouchers / Offers, Balance Transfer, Islamic Finance, Sharia Compliant, Airport Lounge Access, Golf Benefits, Free Supplementary Cards, No Salary Transfer