ADCB Islamic Shukran Credit Card Sharia-compliant
A Sharia-compliant credit card by ADCB Islamic earning up to 0.1 points per AED on shopping and 0.015 points per AED on all other spends.
AED 262.50
Up to 0.1 pts/AED
AED 8,000
4.14%
This card also has a conventional version (ADCB Shukran Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on shopping and want a Sharia-compliant card with points earning.
Not ideal if
You prefer cashback or spend mostly on dining, travel, and groceries.
Watch out for
Annual fee of AED 262.5 is not waivable and requires strong shopping spend to justify.
Calculate This Card’s Value
Earning Rates
0.1 pts/AED
0.005 pts/AED
0.005 pts/AED
0.005 pts/AED
0.005 pts/AED
0.015 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Sharia-compliant card suitable for customers seeking Islamic banking products.
0.1 points per AED on shopping, the highest earn rate on this card.
Welcome bonus up to AED 1,000 in points for new UAE nationals.
Cinema buy-one-get-one-free perk included.
Watch out for
Annual fee of AED 262.5 with no waiver option.
Very low 0.005 points per AED on groceries, utilities, education, and international spend.
4.14% foreign exchange markup reduces value on international transactions.
Fees & Conditions
Cards Worth Comparing
Explore similar UAE credit cards and alternatives worth comparing based on rewards, fees, salary requirements, and spending fit.
Similar Cards
Close alternatives with similar reward patterns, eligibility requirements, and fee positioning.
Emirates NBD
Diners Club Credit Card
Similarity score83/100
FAB Islamic
Blue Credit Card
Similarity score80/100
FAB
Blue Signature Credit Card
Similarity score78/100
Sharjah Islamic Bank
Cashbank Credit Card
Similarity score66/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
Emirates NBD
Darna Visa Signature Credit Card
Comparison fit78/100
FAB
Blue Platinum Credit Card
Comparison fit74/100
Emirates Islamic
Amazon Platinum Credit Card
Comparison fit70/100
ADIB
SHARE Visa Platinum Islamic Credit Card
Comparison fit66/100
Frequently Asked Questions
Is the annual fee worth it?
The AED 262.5 annual fee is not waivable, so you need to earn enough points through shopping and other spend to offset the cost. The welcome bonus of up to AED 1,000 in points can help in the first year, but ongoing value depends on your shopping volume.
How many points do I earn on shopping?
You earn 0.1 points per AED on shopping, which is the card's strongest earn rate. All other spends earn 0.015 points per AED, while groceries, utilities, education, and international spend earn just 0.005 points per AED.
What is the welcome bonus?
New UAE nationals receive AED 1,200 in points (30,000 points), new UAE residents receive AED 1,000 in points (25,000 points), and existing ADCB cardholders receive AED 200 in points (5,000 points). You must spend AED 8,000 within 60 days, and points are credited within 120 days.
Can I use this card abroad?
Yes, but the 4.14% foreign exchange markup is high and will reduce the value of your points on international transactions. International spend earns only 0.005 points per AED.
Does this card earn on school or university fees?
Yes, education spend earns 0.005 points per AED, which is the same low rate as groceries, utilities, and international spend.