Abu Dhabi Commercial Bank (ADCB) is among the UAE’s largest financial institutions, recognized for its strong presence and customer-focused solutions. (Source: official ADCB corporate profile)
Key facts (summary)
- Annual fee: AED 0 (lifetime free)
- APR (Annual Percentage Rate): Please check ADCB’s official site for the latest APR and all applicable charges. APR reflects the total yearly cost of credit, including interest and fees, and may vary by customer profile.
- Minimum income: AED 5,000 monthly, or eligibility for a credit limit of at least AED 3,000.
- Risk warning: Missing repayments can lead to extra charges and negatively affect your credit record.
معلومات أساسية (ملخص)
- الرسوم السنوية: 0 درهم إماراتي (مدى الحياة)
- النسبة المئوية السنوية (APR): يُرجى مراجعة الموقع الرسمي للبنك لمعرفة أحدث الأسعار والرسوم. تمثل النسبة المئوية السنوية التكلفة الإجمالية السنوية للائتمان، بما في ذلك الفوائد والرسوم، وقد تختلف حسب ملف العميل.
- الحد الأدنى للدخل: 5,000 درهم إماراتي شهرياً أو أهلية لحد ائتماني لا يقل عن 3,000 درهم.
- تحذير المخاطر: قد يؤدي عدم سداد الدفعات في الوقت المحدد إلى فرض رسوم إضافية والتأثير على سجل الائتمان الخاص بك.
Pros
- Lifetime annual fee waiver
- Flat 1% cashback on all eligible purchases
- Extra cashback benefit for movie spends
- Complimentary lounge access through Mastercard Travel Pass
- Welcome bonus of up to AED 350 via selected channels (subject to promo terms)
Cons
- Cashback capped at AED 1,000/month (per current ADCB promo terms)
- Spend thresholds apply to unlock certain 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 with no cap — ADCB offers zero fee but with a cashback cap.
- Mashreq Cashback Card: AED 350 annual fee, up to 5% on selected categories — ADCB offers a flat 1% rate on all purchases.
- RAKBANK Red Cashback: AED 0 annual fee, 1.25% cashback — ADCB includes lounge access, which RAKBANK does not.
- HSBC Platinum Cashback: AED 299 annual fee, up to 5% on certain spends — ADCB requires a lower spend threshold for benefits activation.
Sources: Official bank websites; verified on 8 August 2025. Features may change; always confirm with each bank’s official website.
How to apply for your Essential Cashback Credit Card
Apply through ADCB’s official website, mobile app, SMS channel (subject to availability), or by visiting a 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 التجاري (ADCB). جميع الشروط والأسعار والرسوم عرضة للتغيير والموافقة التنظيمية. يُرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الأساسية للحصول على المعلومات الدقيقة والمحدثة.