ADCB 365 Cashback Credit Card
A cashback credit card by ADCB offering up to 6% on dining and 5% on groceries.
AED 383.25
6% dining
AED 5,000
4.14%
Who Is This Card For?
Calculate This Card’s Value
Key Strengths and Weaknesses
Strengths
6% cashback on dining with no monthly cap.
5% cashback on groceries with no monthly cap.
3% cashback on utilities adds value to recurring bills.
Cinema buy-one-get-one-free offers for entertainment savings.
Watch out for
AED 5,000 minimum monthly spend required to earn any cashback.
AED 383.25 annual fee is not waivable under any conditions.
4.14% foreign exchange markup makes international spending expensive.
Earning Rates
6%
Min AED 5,000/mo spend
5%
Min AED 5,000/mo spend
3%
Min AED 5,000/mo spend
1%
Min AED 5,000/mo spend
Perks
Fees & Conditions
Frequently Asked Questions
What is the minimum spend to earn cashback on this card?
You must spend at least AED 5,000 per month to activate all cashback rates. If you spend less than AED 5,000 in any month, you earn zero cashback for that month.
Is the annual fee worth it for the ADCB 365 Cashback card?
The AED 383.25 annual fee is not waivable. To justify the cost, you need to consistently spend AED 5,000 or more monthly with a focus on dining and groceries where the 6% and 5% cashback rates apply.
Can I use this card abroad without high fees?
The card charges a 4.14% foreign exchange markup on international transactions, which is higher than many competitors. If you travel frequently or shop internationally, this card is not ideal.
How does the welcome bonus work?
You can receive up to AED 1,000 in welcome rewards when applying through select digital channels. This includes AED 365 after spending AED 5,000 in the first 45 days, plus an additional AED 635 bonus cashback in the first year.
Are there any caps on the cashback I can earn?
No, there are no monthly or annual caps on cashback for dining, groceries, utilities, or general spending. As long as you meet the AED 5,000 monthly minimum, you earn unlimited cashback at the stated rates.