The ADCB 365 Cashback Credit Card, issued by Abu Dhabi Commercial Bank (ADCB), is designed for everyday spending categories such as dining, groceries, fuel, utilities, and telecom. It offers competitive cashback rates and lifestyle perks, including cinema discounts.
This card provides value for individuals who consistently spend at least AED 5,000 per month. It balances attractive cashback benefits with a clear spending requirement, ensuring transparency in rewards and fees.
Key Facts (summary)
- Annual fee: Free for the first year; AED 383.25 from the second year (including VAT)
- APR (Annual Percentage Rate): subject to credit assessment (variable)
- Minimum income: AED 8,000
- Fees note: Minimum monthly spend of AED 5,000 to earn cashback; maximum cashback capped at AED 1,000 per month
الحقائق الأساسية (ملخص)
- الرسوم السنوية: مجانية للسنة الأولى؛ 383.25 درهم من السنة الثانية (شاملاً ضريبة القيمة المضافة)
- النسبة المئوية السنوية (APR): خاضعة للتقييم الائتماني (متغيرة)
- الحد الأدنى للدخل: 8,000 درهم
- ملاحظات حول الرسوم: حد أدنى للإنفاق الشهري 5,000 درهم للحصول على استرداد نقدي؛ الحد الأقصى 1,000 درهم شهريًا
Why this card is for you?
This card is ideal if you spend regularly on groceries, dining, and utilities, as it provides higher cashback percentages in these categories.
It is also suitable for individuals looking for lifestyle perks such as VOX cinema discounts and installment payment options.
Pros and Cons of the ADCB 365 Cashback Credit Card
Pros
- 6% cashback on dining (including online orders)
- 5% cashback on groceries
- 3% cashback on utilities, fuel, telecom, and Salik
- AED 365 welcome bonus for new customers
Cons
- Cashback only applies if you spend AED 5,000 per month
- Annual fee introduced from second year onward
ADCB 365 Cashback Credit Card: online credit card application
Applications are available on the ADCB official website, via mobile banking, or at branches. Emirates ID and proof of income are required. Final approval is subject to ADCB’s credit assessment.
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.