Tbreak UAETbreak UAETbreak UAE
  • Deals
  • Tech
    • News
    • Reviews
    • Guides
  • Gaming
    • News
    • Reviews
  • Entertainment
    • News
    • Netflix
    • Apple TV+
    • Disney+
    • OSN+
    • Prime Video
    • StarzPlay
  • Cars
    • News
    • Guides
  • Food
    • News
    • Guides
  • B2B
Tbreak UAETbreak UAE
Search
  • Deals
  • Tech
    • News
    • Reviews
    • Guides
  • Gaming
    • News
    • Reviews
  • Entertainment
    • News
    • Netflix
    • Apple TV+
    • Disney+
    • OSN+
    • Prime Video
    • StarzPlay
  • Cars
    • News
    • Guides
  • Food
    • News
    • Guides
  • B2B
Follow US
© 2025 Foxiz News Network. Ruby Design Company. All Rights Reserved.
Reviews

ADCB Emirati Islamic Credit Card: 7% Rewards, Travel Perks & Lounge Access

The ADCB Emirati Islamic Credit Card offers 7% cashback on travel and lifestyle, airport lounge access, travel insurance and premium perks for UAE nationals.

Abbas Jaffar Ali
Last updated: 24/07/2025 7:43 PM
By
Abbas Jaffar Ali
ByAbbas Jaffar Ali
Abbas has been covering tech for more than two decades- before phones became smart or clouds stored data. He brought publications like CNET, TechRadar and IGN...
Follow:
4 Min Read
SHARE
TL;DR
  • The fee is waived for the first year. From year two, the cost is AED 945, inclusive of VAT.
  • Lounge access extends to both primary and supplementary cardholders.
  • The 7 % rates only apply if you hit the AED 7k minimum.

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.

ADCB Emirati Islamic Credit Card: 7% Rewards, Travel Perks & Lounge Access

ADCB Emirati Islamic Credit Card

945
If your lifestyle matches the perks—frequent travel, dining out, gym and salon visits—the card pays for itself. But if you’re a casual user, that fee could outweigh the benefits.
Pros High 7 % rates in big categories All-year lounge access + travel insurance Useful discounts (Agoda, car rentals, ENTERTAINER) Shari’ah-compliant
Cons AED 945 annual fee kicks in year two AED 7k monthly spend threshold Cashback cap (might limit big spenders)
More info at ADCB

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

More on Tbreak

Network buys scale, Magnati gets reach. Everyone gets fees
Network buys scale, Magnati gets reach. Everyone gets fees
UAE’s Next Big Food Move: A High-Tech Hub that Keeps Prices Steady
Logitech’s Rally Board 65 is a 65″ Meeting Room on Wheels
IBM and AWS Expand Partnership to Fast-Track Secure Cloud in the Middle East

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.

FAQs

What happens if I don’t meet the AED 7k monthly spend?

You won’t earn any cashback that month. The 7 % rates only apply if you hit the AED 7k minimum.

When does the annual fee apply?

The fee is waived for the first year. From year two, the cost is AED 945, inclusive of VAT.

Do family members get benefits?

Lounge access extends to both primary and supplementary cardholders. Travel insurance covers spouse and up to five children under 75. Enjoy the perks together.

TAGGED:ADCBADCB Emirati Islamic Credit CardB2BCredit CardsFinTech
Share This Article
Whatsapp Whatsapp Threads Bluesky Copy Link
ByAbbas Jaffar Ali
Follow:
Abbas has been covering tech for more than two decades- before phones became smart or clouds stored data. He brought publications like CNET, TechRadar and IGN to the Middle East. From computers to mobile phones and watches, Abbas is always interested in tech that is smarter and smaller.
- Advertisement -
Ad image
Subscribe to our newsletter to get our newest articles instantly!
[mc4wp_form]
Prime Day 2025 Best Tech Deals in UAE
Just Published
71 Steak & Grill Lands in Dubai: Wood Fire, Big Steaks, Warm Vibes

71 Steak & Grill Lands in Dubai: Wood Fire, Big Steaks, Warm Vibes

Gumball takes over UAE screens this week — here’s everything dropping

Gumball takes over UAE screens this week — here’s everything dropping

Xbox Game Pass Price Jumps 50% — Here’s What’s Changing

Xbox Game Pass Price Jumps 50% — Here’s What’s Changing

Rapid7 Just Flipped the UAE Data-Sovereignty Switch — Here’s Why It Matters

Rapid7 Just Flipped the UAE Data-Sovereignty Switch — Here’s Why It Matters

This tiny timing trick could make UAE quantum computers real

This tiny timing trick could make UAE quantum computers real

New on Socials
Pre-builts usually mean compromises: cheap parts, Pre-builts usually mean compromises: cheap parts, poor airflow, questionable value.

The ROG G700 is different. With high-end specs, smart cooling, tool-less upgrades, and full RGB control, this full-size tower feels like it was made by enthusiasts for enthusiasts.

Available now at Asus’s official website and UAE retailers like Sharaf DG and Virgin Megastore for AED 11,999 (link in bio).

#asusrog #rogG700 #pcgaming #prebuiltpc #asusuae #pcbuild #gamingrig #asusrogdesktop #rogdesktop #asusrogG700 #highendgaming #nvidiartx5070ti
Nothing just dropped Playground, a new AI platform Nothing just dropped Playground, a new AI platform where you can build your own apps with prompts like “show me a brief before my calls” or “turn receipts into PDFs every Friday.”

It’s still in alpha, but there are already 40 AI-powered Essential Apps live, including tools for flights, games, and even a Flappy Bird clone. The idea is to have a fully AI-native OS that adapts to you and ditches the cookie-cutter app store model.

You’ll need Nothing OS 4 to try it out, and access is limited to newer phones through a waitlist. But it’s a glimpse at what the company’s calling the “future of personal computing.”

#nothingphone #playgroundai #essentialapps #nothingos #personalai #customapps #android16 #carlpei #technews
Elon Musk says he’s coming for Wikipedia. His A Elon Musk says he’s coming for Wikipedia.

His AI startup xAI is working on Grokipedia, an encyclopedia powered by the Grok chatbot, trained to rewrite and fact-check existing web pages. Musk says it’ll be a “massive improvement” over Wikipedia, which he’s accused of bias and misinformation.

But critics say Grok isn’t exactly a neutral replacement either. It’s already drawn backlash for problematic responses and political bias. Still, Musk’s fans are hyped and Grokipedia may end up more popular than you think.

#elonmusk #grokipedia #wikipedia #xai #technews #aichatbots #grok #openai
Kindle got colorful. Echo got smarter. And your do Kindle got colorful. Echo got smarter. And your doorbell just learned how to find your dog.

Here’s a quick recap of all the new Amazon gear from its Fall 2025 showcase from Fire TVs to pet-tracking Ring cams.
Everything’s designed to work better with Alexa+, Amazon’s upgraded assistant built into the latest lineup.

#technews #amazonevent #kindlescribe #ringcamera #alexa #smarttv #smarthome #firetv #blinkcamera #echodot #ambientai #amazon
FacebookLike
XFollow
InstagramFollow
YoutubeSubscribe
TiktokFollow
LinkedInFollow
Popular Articles
Amazon Prime Day UAE 2025

Best Prime Day 2025 Tech Deals in the UAE: Editor’s Picks Across Phones, Laptops, Smart Home, and More

Amazon Brings Colour to Kindle: New Kindle Colorsoft Now in UAE and KSA

Best Amazon Prime Day 2025 Deals in the UAE: Echo, Kindle, Ring & More

Best Prime Day 2025 Apple Deals in the UAE: Huge Discounts on iPhones, MacBooks, AirPods & More

Best Prime Day 2025 Apple Deals in the UAE: Huge Discounts on iPhones, MacBooks, AirPods & More

Samsung Galaxy Z Fold7 - Specs, Features, UAE Launch Date & Price

Galaxy Z Fold7 is Here: Thinner, Smarter, and Built to Work Hard

Honor Magic V5: The World’s Thinnest Foldable Phone with AI and 6100mAh Battery

Honor Magic V5: The World’s Thinnest Foldable Phone with AI and 6100mAh Battery

Food
71 Steak & Grill Lands in Dubai: Wood Fire, Big Steaks, Warm Vibes
AnimatedEntertainmentEtisalat
Gumball takes over UAE screens this week — here’s everything dropping
GamingXboxXbox Game Pass
Xbox Game Pass Price Jumps 50% — Here’s What’s Changing
FinTechMagnatiNetwork International
Network buys scale, Magnati gets reach. Everyone gets fees
Cybersecurity
Rapid7 Just Flipped the UAE Data-Sovereignty Switch — Here’s Why It Matters
Also Check Out
Qualcomm’s Experts Break Down Snapdragon 8 Elite Gen 5

Impossible Targets Drive Innovation at Qualcomm

From Watches to Agents: Qualcomm’s Roadmap for Next-Gen Wearables

From Watches to Agents: Qualcomm’s Roadmap for Next-Gen Wearables

Wio adds multi-currency Fixed Saving Spaces with new AED and USD rates

Wio adds multi-currency Fixed Saving Spaces with new AED and USD rates

Dubai Hosts Akamai World Tour: AI, Security and Cloud in one room

Dubai Hosts Akamai World Tour: AI, Security and Cloud in one room

New UAE App Promises Supercar, Yacht and Jet Bookings in a Few Taps

New UAE App Promises Supercar, Yacht and Jet Bookings in a Few Taps

Tbreak UAE
  • Tech
  • Gaming
  • 🔥
  • Entertainment
  • B2B
  • AI
  • Food
  • PS5
  • Cars
  • Xbox

Contact Us | Privacy Policy

© Tbreak Internet Content Provider UAE. All Rights Reserved.