Recognized as one of the largest banks in the UAE, Abu Dhabi Commercial Bank (ADCB) serves over one million customers and has earned multiple awards for innovation and service excellence.
What you need to know about this credit card
- Annual fee: AED 0 — this card is free for life
- Cashback rate: 1% cashback on all purchases, no category restrictions
- Movie cashback: Up to AED 70/month with minimum spend of AED 1,500
- Welcome bonus: Up to AED 350 on select digital applications
Pros
- Flat cashback rate — Earn 1% on all purchases, no matter the category
- No annual fee — Enjoy lifetime value with zero membership charges
- Airport lounge access — Relax at select airport lounges for free
- Movie ticket savings — Get cashback of up to AED 70 monthly on movie tickets
- Flexible repayment — Convert purchases, school fees, and balances into installment plans
Cons
- Monthly spend required — Must spend AED 1,000/month to qualify for cashback
- Movie cashback condition — AED 1,500/month minimum spend for movie ticket cashback
Why choose ADCB for your credit card?
While the Emirates Islamic Cashback Plus Card caps its cashback at specific categories, ADCB offers 1% flat on everything.
The Mashreq Cashback Credit Card has an annual fee — ADCB’s card is free for life.
Compared to the RAKBANK Red Mastercard, which lacks lifestyle perks, ADCB includes lounge access and cinema rewards.
The FAB Cashback Card only gives 1% on groceries and fuel — ADCB’s rate applies to all your spending.
Unlike the CBD Super Saver Credit Card, where cashback depends on bonus categories, ADCB keeps it simple with a consistent 1% on all purchases.
ADCB Essential Cashback Credit Card: let’s get to know it a little better
How to apply for your ADCB Essential Cashback Credit Card
It’s fast, secure, and 100% online. Just hit the button below to start your application. With no annual fee, easy approval, and real cashback, this might be your smartest money move of the year.