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.
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.
Not ideal if
You prioritize dining, travel, or groceries where this card earns very little.
Watch out for
Annual fee of AED 262.50 is not waivable and 4.14% FX markup applies.
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
Earns 0.1 points per AED on shopping with no cap.
Sharia-compliant structure for customers seeking Islamic banking products.
Welcome bonus up to AED 1,000 for new UAE residents.
Cinema buy-one-get-one-free perk included.
Watch out for
Very low earn rate of 0.005 points per AED on groceries, utilities, and education.
Annual fee of AED 262.50 is not waivable.
High 4.14% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
What is the minimum salary required for this card?
You need a minimum monthly salary of AED 8,000 to be eligible for the ADCB Islamic Shukran Islamic Credit Card.
How much is the annual fee and can it be waived?
The annual fee is AED 262.50 and it is not waivable. You will pay this fee every year regardless of your spending.
What is the welcome bonus and how do I earn it?
New UAE residents receive AED 1,000 (25,000 points) and new UAE nationals receive AED 1,200 (30,000 points) when you spend AED 8,000 within 60 days. The bonus is credited within 120 days.
Does this card earn rewards on school or university fees?
Yes, education spending earns 0.005 points per AED, which is a very low rate compared to the shopping category.
Is this card good for international spending?
No. International transactions earn only 0.005 points per AED and incur a 4.14% foreign exchange markup, making it expensive for overseas use.