ADCB Islamic 365 Cashback Credit Card Sharia-compliant

If you prefer travel rewards, spend mostly on categories outside dining, groceries, and utilities, or rarely eat out, this card will underperform. The 1% baseline rate on all other spending is modest, so cardholders who spread their budget across many categories or focus on travel and international purchases will see limited benefit. The AED 383.25 annual fee is not waivable, so you need consistent high-value spending to justify the cost.

The AED 5,000 minimum monthly spend requirement is the key condition that makes or breaks this card's value. If you fall below that threshold in any month, you earn no cashback at all for that period, turning the card into a fee-only liability. Plan your spending carefully to meet the minimum every month and maximize the strong category rates.