1Ranked firstADAbu Dhabi Commercial Bank (ADCB)ADCB 365 CashbackAED 383.25/yr · AE
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.
Annual feeAED 383.25/yr
IssuerAbu Dhabi Commercial Bank (ADCB)
NetworkMastercard
Welcome offerSee issuer for the current offer
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
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
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.
ADCB 365 Cashback Credit Card at a glance
| Issuer | Abu Dhabi Commercial Bank (ADCB) |
| Card network | Mastercard |
| Annual fee | Free in year one, then AED 383.25 a year (incl. VAT) |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 6% dining (incl. online orders), 5% fuel and Salik, 5% home digital entertainment and AI subscriptions, 3% groceries, 1% other retail; needs AED 5,000 monthly spend; AED 1,000 monthly cap |
| Intro APR | None |
| Regular APR | See issuer |
| Foreign transaction fee | See issuer |
| Airport lounge access | None |
| Credit needed | Minimum monthly salary AED 5,000, or eligibility for a credit limit of at least AED 3,000; age 18+ |
| Best for | Dining, fuel and grocery spenders who put AED 5,000+ a month on one card |
Key features
- 6% cashback on dining, 5% on fuel and Salik and 3% on groceries (local AED spend)
- 5% on home digital entertainment and AI-powered subscriptions, in AED or foreign currency
- 1% on international retail spend (0.5% on EU spend)
- Buy 1 get 1 free VOX Cinemas tickets, up to 4 tickets a month
- Bill payments, school fees and ADCB channel transactions earn no cashback
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: adcb.com
How it ranks against similar UAE cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | ADAbu Dhabi Commercial Bank (ADCB)ADCB 365 CashbackAED 383.25/yr · AE ADCB 365 Cashback Credit CardDining, fuel and grocery spenders who put AED 5,000+ a month on one card |
AED 383.25/yr | 6% dining (incl. online orders), 5% fuel and Salik, 5% home digital entertainmen… | See issuer for the current offer | See issuer | Minimum monthly salary AED 5,000… | |
| 2 | MMashreq BankMashreq CashbackNo annual fee · AE Mashreq Cashback Credit CardEveryday spenders wanting fee-free cashback |
None | Up to 5% on dining, 2% on groceries, 1% elsewhere | Welcome cashback offer for new cardholders | Foreign currency markup ap… | Stable income, UAE residency | |
| 3 | FAFirst Abu Dhabi Bank (FAB)FAB CashbackNo annual fee · AE FAB Cashback Credit CardHouseholds wanting fee-free cashback on essentials |
None | Up to 5% on groceries and dining, 3% on fuel | Welcome cashback offer for new cardholders | Foreign currency markup ap… | Stable income, UAE residency | |
| 4 | ADAbu Dhabi Islamic Bank (ADIB)ADIB Cashback Visa CoveredAED 103.95/yr · AE ADIB Cashback Visa Covered CardShariah-compliant cashback on groceries, fuel, school fees and dining for a low fee |
AED 103.95/yr | 4% cashback on groceries (AED 300 cap), fuel and automobile (AED 300), school an… | See issuer for the current offer | 2.3% service fee on non-AE… | See issuer (ADIB does not publis… |
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