ADCB Islamic 365 Cashback Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by ADCB Islamic with up to 6% on dining and 5% on groceries.
AED 383.25
6% dining
AED 5,000
4.14%
This card also has a conventional version (ADCB 365 Cashback Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You consistently spend AED 5,000 or more monthly on dining, groceries, and utilities.
Not ideal if
Your spending is irregular or concentrated in categories outside dining, groceries, and utilities.
Watch out for
AED 5,000 minimum monthly spend required to earn any cashback that month.
Calculate This Card’s Value
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
1%
Min AED 5,000/mo spend
Perks
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 and 1% on education spending.
Sharia-compliant structure for customers seeking Islamic finance products.
Watch out for
AED 5,000 minimum monthly spend required to earn any cashback.
AED 383.25 annual fee is non-waivable.
4.14% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
What is the minimum spend to earn cashback?
You must spend at least AED 5,000 in a calendar month to earn any cashback that month. If you spend less, you earn nothing for that period.
Is the annual fee worth it?
The AED 383.25 annual fee is non-waivable. If you consistently spend AED 5,000 or more monthly on dining, groceries, and utilities, the high cashback rates can offset the fee.
Does this card earn cashback on school or university fees?
Yes, education spending earns 1% cashback, provided you meet the AED 5,000 minimum monthly spend requirement.
How does the welcome bonus work?
You receive AED 365 cashback if you spend at least AED 5,000 within the first 45 days. The bonus is credited within 90 days of card issuance.
Can I use this card abroad?
Yes, but foreign transactions incur a 4.14% markup, which reduces the effective cashback on international purchases.