The Shukran ADCB Credit Card links everyday spending to Shukrans. You receive 10% back at participating Shukran brands and up to 1.5% back on other retail purchases, with a welcome bonus up to AED 1,200 in Shukrans when you meet the initial spend requirement.
First-year annual fee is waived for residents (and waived forever for UAE nationals), and you also get a complimentary upgrade to Shukran Platinum Tier.
About the bank: ADCB
Abu Dhabi Commercial Bank (ADCB) is one of the largest banks in the UAE, licensed and regulated by the Central Bank of the UAE. The bank provides detailed Key Facts Statements, fees and charges, and terms & conditions to support transparent decisions and consumer protection.
ADCB’s product range includes retail banking, payments, and lifestyle partnerships, with digital channels for application and account servicing across web and mobile.
How this card works
Earning is denominated in Shukrans. When you pay at participating Shukran brands, transactions earn 10% back as Shukrans; other retail purchases earn up to 1.5% back as Shukrans. You can accumulate points and redeem them within the Shukran ecosystem in line with program rules.
A welcome bonus of up to AED 1,200 in Shukrans is available for new customers who spend AED 8,000 in the first 60 days after card issuance (different amounts may apply for UAE residents vs. UAE nationals, and for existing ADCB cardholders).
Requirements to apply for this credit card
- Must be a UAE resident (age 21+)
- Minimum monthly income of AED 8,000, or eligible for credit limit ≥ AED 15,000
- Valid Emirates ID (and other identification as requested)
- Salary certificate or bank statement
متطلبات التقديم للحصول على هذه البطاقة الائتمانية
- يجب أن يكون مقيماً في دولة الإمارات (بعمر 21+)
- الحد الأدنى للدخل الشهري 8,000 درهم أو أهلية لحد ائتماني لا يقل عن 15,000 درهم
- بطاقة هوية إماراتية سارية (ووثائق تعريف أخرى عند الطلب)
- شهادة راتب أو كشف حساب بنكي
Card fees
- Annual fee: First year free for UAE residents; AED 250 + VAT from year two; no annual fee ever for UAE nationals
- APR: As per ADCB Key Facts Statement (variable)
- Cinema: B1G1 at Reel Cinemas (up to 2 free tickets/month; additional T&Cs apply)
- Travel offers: Up to 12% off hotels via Visa Agoda (selected properties; T&Cs apply)
رسوم البطاقة
- الرسوم السنوية: مجانية للسنة الأولى للمقيمين؛ 250 درهم + ضريبة القيمة المضافة من السنة الثانية؛ لا رسوم سنوية دائمًا للمواطنين
- النسبة المئوية السنوية (APR): وفق بيان المعلومات الأساسية لدى بنك أبوظبي التجاري (متغيرة)
- السينما: اشترِ تذكرة واحصل على أخرى مجانًا في ريل سينما (حتى تذكرتين مجانيتين/شهر؛ تطبّق الشروط)
- عروض السفر: خصم حتى 12% على الفنادق عبر Visa Agoda (عقارات مختارة؛ تطبّق الشروط)
Credit card apply online
- Access the ADCB official website or mobile app
- Fill in the credit card application form
- Upload your documents (Emirates ID and proof of income)
- Wait for ADCB’s review and confirmation
Apply for Credit Card
You can apply online or request a callback through ADCB channels. Approval is subject to income, eligibility, and credit assessment. Review the KFS, fees & charges, and program terms (Shukran) before applying to ensure the card fits your spending profile.
Disclaimer / إخلاء مسؤولية
This content is for informational purposes only and is not issued or endorsed by ADCB. All terms, rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط، ولم يتم إصداره أو اعتماده من قبل بنك أبوظبي التجاري. تخضع جميع الشروط والأسعار والرسوم للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان المعلومات الأساسية للحصول على أدق المعلومات وأحدثها.