Abu Dhabi Commercial Bank (ADCB) ranks among the largest banks in the UAE, with a strong retail footprint and reputation for customer-centric solutions. (Source: official ADCB corporate profile)
Key facts (summary)
- Annual fee: AED 0 (lifetime)
- APR (Annual Percentage Rate): Please refer to ADCB’s official website for the current APR and all applicable charges. APR reflects the total yearly cost of credit, including interest and fees, and varies by customer profile.
- Minimum income: AED 5,000 per month (or eligibility for a credit limit of at least AED 3,000)
- Risk warning: Late or missed repayments can trigger additional fees and may harm your credit record.
معلومات أساسية (ملخص)
- الرسوم السنوية: 0 درهم إماراتي (مدى الحياة)
- النسبة المئوية السنوية (APR): يُرجى الرجوع إلى الموقع الرسمي لبنك أبوظبي التجاري لمعرفة النسبة الحالية وجميع الرسوم المطبقة. تمثل APR التكلفة السنوية الكاملة للائتمان بما في ذلك الفوائد والرسوم، وقد تختلف حسب ملف العميل.
- الحد الأدنى للدخل: 5,000 درهم إماراتي شهرياً (أو الأهلية لحد ائتماني لا يقل عن 3,000 درهم)
- تحذير المخاطر: قد يؤدي التأخر في السداد أو التخلف عنه إلى رسوم إضافية ويؤثر سلباً على سجلك الائتماني.
Pros
- No annual fee for life
- Flat 1% cashback on all eligible spending
- Additional monthly movie cashback benefit
- Airport lounge access via Mastercard Travel Pass
- Welcome bonus up to AED 350 on select channels (subject to promo T&Cs)
Cons
- Monthly cashback capped at up to AED 1,000 (per current ADCB promo terms)
- Certain benefits require meeting monthly spend thresholds
Why choose ADCB for your credit card?
- Emirates NBD Go4it Gold: AED 99 annual fee, 0.5% cashback (cap AED 300) — ADCB is lifetime free.
- FAB Standard Cashback: AED 315 annual fee, 1% uncapped — ADCB charges zero annual fee but applies a cashback cap.
- Mashreq Cashback Card: AED 350 annual fee, up to 5% in select categories — ADCB offers a simple flat 1% 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’s spend thresholds are lower to activate benefits.
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
Apply via ADCB’s official website, the mobile app, the SMS channel (subject to availability), or at any branch. Keep your identification and income documents ready for submission.
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.