Abu Dhabi Commercial Bank (ADCB) is one of the largest banks in the United Arab Emirates. (source: official ADCB corporate profile).
Key facts (summary)
- Annual fee: AED 0 (lifetime)
- APR (Annual Percentage Rate): Please refer to the bank’s official website for the current APR and all applicable fees. APR represents the total yearly cost of credit, including interest and applicable fees. Actual APR varies by profile.
- Minimum income: AED 5,000 monthly (or eligible for a credit limit of at least AED 3,000)
- Risk warning: Failure to meet repayment obligations may result in additional charges and affect your credit record.
Pros
- Lifetime free annual fee
- Simple 1% cashback on all eligible spends
- Extra movie cashback benefit
- Lounge access via Mastercard Travel Pass
- Welcome bonus up to AED 350 on select channels (subject to promo T&Cs)
Cons
- Cashback capped at up to AED 1,000/month (as per current ADCB promo terms)
- Spend thresholds required to unlock benefits
Why choose ADCB for your credit card?
- Emirates NBD Go4it Gold: AED 99 annual fee, 0.5% cashback cap AED 300 — ADCB offers lifetime free usage.
- FAB Standard Cashback: AED 315 annual fee, 1% cashback uncapped — ADCB has zero fee but a cashback cap.
- Mashreq Cashback Card: AED 350 annual fee, up to 5% on select categories — ADCB is flat 1% on all purchases.
- RAKBANK Red Cashback: AED 0 annual fee, 1.25% cashback — ADCB includes lounge access not offered by RAKBANK.
- HSBC Platinum Cashback: AED 299 annual fee, up to 5% on certain spends — ADCB’s spend threshold is lower for benefits activation.
Sources: official bank websites; verified on 8 August 2025. Features may change; verify on each bank’s official website.
How to apply for your Essential Cashback Credit Card
Applications can be made via ADCB’s official website, mobile app, SMS channel (availability subject to bank channels), or in-branch.
Disclaimer
This content is for informational purposes only and is not issued or endorsed by Abu Dhabi Commercial Bank (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.
إخلاء مسؤولية
هذا المحتوى لأغراض إعلامية فقط وليس صادراً أو معتمداً من بنك أبوظبي التجار (ADCB). جميع الشروط والأسعار والرسوم عرضة للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الأساسية للحصول على المعلومات الدقيقة والمحدثة.