ADCB Shukran Credit Card
A points credit card by ADCB earning up to 0.1 points/AED on shopping and 0.015 points/AED on all other spends.
AED 262.50
Up to 0.1 pts/AED
AED 8,000
4.14%
This card also has an Islamic/Sharia-compliant version (ADCB Islamic Shukran Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on shopping and can use cinema and Entertainer perks regularly.
Not ideal if
You spend mainly on dining, travel, or groceries with weak earn rates.
Watch out for
Non-waivable AED 262.50 annual fee and 4.14% FX markup on international transactions.
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
0.1 points/AED on shopping with no monthly cap.
Welcome bonus up to AED 1,200 for new UAE nationals.
Cinema buy-one-get-one-free and Entertainer perks included.
Watch out for
AED 262.50 annual fee with no waiver option.
Very low 0.005 points/AED on dining, travel, groceries, and international spend.
4.14% foreign exchange markup makes international purchases expensive.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 262.50 annual fee is not waivable, so you need to spend enough on shopping at 0.1 points/AED and use the cinema and Entertainer perks to offset the cost. The welcome bonus of up to AED 1,200 for new UAE nationals can help cover the fee in the first year.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 8,000 to be eligible for the ADCB Shukran Credit Card.
How does the welcome bonus work?
New UAE nationals receive AED 1,200 (30,000 points), new UAE residents receive AED 1,000 (25,000 points), and existing ADCB cardholders receive AED 200 (5,000 points) after spending AED 8,000 within 60 days. The bonus is credited within 120 days.
Can I use this card abroad?
Yes, but the 4.14% foreign exchange markup makes international purchases expensive. You earn only 0.005 points/AED on international spend, which is very low.
Does this card earn on school or university fees?
Yes, education spend earns 0.005 points/AED, which is the same low rate as groceries, utilities, and international purchases.