ADCB 365 Cashback Credit Card

A cashback credit card by ADCB with up to 6% on dining and 5% on groceries.

Annual feeVAT included
AED 383.25

Top ratebest category
6% dining

Min salaryfor eligibility
AED 5,000

FX markupforeign currency
4.14%

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This card also has an Islamic/Sharia-compliant version (ADCB Islamic 365 Cashback Credit Card).

Who Is This Card For?

Decision snapshot
Quick answer before the detailed explanation

Good fit if
You spend AED 5,000 or more monthly with heavy dining and grocery purchases.

Not ideal if
You spend heavily on travel or make most purchases outside dining and groceries.

Watch out for
AED 5,000 minimum monthly spend required to earn any cashback each month.

If you spend at least AED 5,000 monthly and concentrate your spending on dining and groceries, this card delivers strong cashback returns. The 6% on…

Calculate This Card’s Value

Earning Rates

Dining
6%
Min AED 5,000/mo spend

Groceries
5%
Min AED 5,000/mo spend

Utilities
3%
Min AED 5,000/mo spend

Education
1%
Min AED 5,000/mo spend

All Other Spends
1%
Min AED 5,000/mo spend

International
1%
Min AED 5,000/mo spend

Perks

Cinema Buy-1-Get-1 Ticket

Key Strengths and Weaknesses

Strengths

6% cashback on dining with no monthly cap.

5% cashback on groceries with no monthly cap.

AED 1,000 welcome bonus after AED 5,000 spend in 45 days.

3% cashback on utilities and 1% on education fees.

Watch out for

AED 5,000 minimum monthly spend required to activate all cashback.

AED 383.25 annual fee with no waiver option.

4.14% foreign exchange markup reduces value on international purchases.

Fees & Conditions

Annual FeeAED 383

FX Markup4.14%

Minimum SalaryAED 5,000/mo

Welcome BonusAED 1,000. Spend AED 5,000 within 45 days.

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Frequently Asked Questions

What is the minimum spend to earn cashback?

You must spend at least AED 5,000 each month to activate cashback. If you spend less in any month, you earn no cashback for that period.

Is the annual fee worth it?

The AED 383.25 annual fee is worth it if you consistently spend AED 5,000 or more monthly on dining and groceries. The AED 1,000 welcome bonus helps offset the first year's fee.

Does this card earn on school or university fees?

Yes, education spending earns 1% cashback, provided you meet the AED 5,000 minimum monthly spend requirement.

Can I use this card abroad?

Yes, but international purchases earn only 1% cashback and incur a 4.14% foreign exchange markup, which reduces overall value.

How does the welcome bonus work?

Spend AED 5,000 within 45 days of card approval to receive AED 1,000 cashback.