1Ranked firstADAbu Dhabi Commercial Bank (ADCB)ADCB 365 CashbackAED 383.25/yr · AE

A pile of shiny gold coins — Photo: Anthony Aird / Unsplash

Cash Back · United Arab Emirates

ADCB 365 Cashback Credit Card

4.4 / 5 editorial score

Best for: dining, fuel and grocery spenders who put AED 5,000 or more a month on one card.

#1 of 7 · Cash Back · UAE #3 of 17 · All UAE cards

Annual feeAED 383.25/yr

IssuerAbu Dhabi Commercial Bank (ADCB)

NetworkMastercard

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Interest rateSee issuer

Foreign feeSee issuer

Who qualifiesMinimum monthly salary AED 5,000, or…

Why it ranks

Some of the highest dining and fuel rates in the UAE
AED 1,000 monthly cashback cap leaves plenty of headroom
Low entry bar of AED 5,000 salary or an AED 3,000 limit

What holds it back

Earns nothing in any month you spend under AED 5,000
AED 383.25 annual fee from year two with no published waiver
No airport lounge access listed

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Our verdict

Why the ADCB 365 Cashback Credit Card ranks where it does

The ADCB 365 Cashback card has some of the highest category rates in the UAE, but only in months when you spend at least AED 5,000 on it. Clear that bar and it pays 6% on dining, including online orders, 5% on fuel and Salik, 5% on home digital entertainment and AI subscriptions, 3% on groceries and 1% on other retail, with a monthly cap of AED 1,000. Miss it and the month earns nothing.

That all-or-nothing rule is the whole decision. A household that reliably puts AED 5,000 a month on one card gets a strong return; one whose spending dips in summer or during travel months will lose entire months of cashback. Bill payments, school fees and transactions through ADCB channels earn nothing.

The card is free in year one and costs AED 383.25 including VAT after that, with no published waiver. At 6% on dining alone, about AED 530 of restaurant spend a month covers the fee over a year. The entry bar is low, a salary of AED 5,000 or eligibility for an AED 3,000 limit, and there is buy-one-get-one at VOX Cinemas, but no lounge access.

Good fit if

Households that put AED 5,000 or more a month on one card
Frequent diners and drivers who pay Salik
Subscribers to streaming and AI services

Skip it if

Anyone whose monthly spending sometimes falls below AED 5,000
Travellers who want lounge access

Worked example

Assume AED 6,000 a month on the card: AED 1,500 on dining, AED 800 on fuel and Salik, AED 200 on streaming subscriptions, AED 1,500 on groceries and AED 2,000 on other retail. Cashback is AED 90 + AED 40 + AED 10 + AED 45 + AED 20 = AED 205 a month, AED 2,460 a year, well under the AED 1,000 monthly cap. From year two, subtracting the AED 383.25 fee leaves about AED 2,077. We assume every month clears AED 5,000, since a single miss would cost that month's AED 205.

How it stacks up

The HSBC Live+ pays similar dining and fuel rates, 6% and 5%, needs only AED 3,000 a month and adds 12 lounge visits, but caps each category at AED 200 per statement. The FAB Cashback covers groceries and fashion at 5% with the same AED 3,000 bar, which suits families whose biggest bill is the supermarket. ADCB's version rewards the highest monthly budgets best, thanks to its AED 1,000 cap.

The ADCB 365 Cashback Credit Card pays some of the highest category rates in the UAE on dining, fuel and groceries, but only in months when you spend at least AED 5,000 on it. Figures are as of September 2026.