ADCB has launched a Shari’ah-compliant credit card just for UAE nationals. It’s all about big cashback, travel perks and lifestyle extras. No fluff. Just what you get, how much it costs, and whether it’s right for you. Here is everything you need to know about the ADCB Emirati Islamic Credit Card.
What You Get: 7% Cashback Across Key Categories
A simple reward structure makes it easy to understand:
- 7 % cashback on:
- airline tickets
- hotel stays
- fuel
- dining (including online food orders)
- jewellery
- spas and salons
- health clubs and gyms
- 50 % cashback on online movie tickets
- 1 % cashback on all other domestic and international retail spends
- Maximum cashback: AED 1,500 per month
- No annual fee in year one, then AED 945 (incl. VAT) from year two
How it works
Spend at least AED 7,000 in a calendar month to qualify. If eligible, every dirham spent in the above categories earns cashback instantly. You’re capped at AED 1,500 a month—so don’t go planning your Maybach just yet.
Travel & Lifestyle: Extras That Matter
This card isn’t just about cashback. It comes with perks that make travel smoother:
- Airport lounges: Unlimited global access for you + one guest at 1,000+ lounges
- Travel insurance: Covers you, your spouse and up to five kids (under 75 years old)
- Agoda hotel bookings: 12 % off on 985,000+ hotels globally
- Avis car rental: Up to 35 % off when you book via Avis President’s Club
- Global concierge: Visa Infinite service for travel, dining, gifts, and reservations
- ENTERTAINER app: 2‑for‑1 dining, spa and fitness deals
- Bicester Village: 10 % off shopping via VIP pass on the day
Expanded perks
If you travel or enjoy city experiences, this card delivers. Lounge access and travel insurance cover the essentials. Discounts across hotels, rentals, dining and shopping add real value. Concierge service? That’s luxury—but useful, especially if you’re time-poor. No fancy adjectives, just straightforward benefits.
Costs & Requirements: Know Before You Apply
Before applying, check these facts:
- Age requirement: Must be 21 or older
- Salary requirement: At least AED 8,000 per month or eligible for an AED 15,000 limit
- Minimum monthly spend: AED 7,000 to earn cashback
- Annual fee: AED 945 (inc. VAT) from year two onwards
- Cashback cap: AED 1,500 per month total
How it adds up
At first glance, the annual fee might seem steep. But if you use the card for regular travel, dining, and everyday purchases, you could easily yield more than AED 11,340 in annualised value—minus the fee. Just be sure to consistently hit the AED 7,000 monthly spend.
Summary
This is a card built for Emiratis who live and travel in style. You receive strong cashback across key areas, lounge access, travel perks, and on-demand assistance. However, to make it worthwhile, you need to use it—and spend—regularly. Start with the waived fee first year, then decide if the rewards outweigh the cost later.
