ADCB Talabat Credit Card
A no-fee cashback credit card by ADCB earning 35% cashback on dining, capped at AED 350 monthly.
Free
35% dining
AED 5,000
4.14%
This card also has an Islamic/Sharia-compliant version (ADCB Islamic talabat Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 1,000 or more monthly on dining and food delivery.
Not ideal if
You rarely dine out or prefer travel and international spend rewards.
Watch out for
Dining cashback is capped at AED 350 per month, limiting high spenders.
Calculate This Card’s Value
Earning Rates
35%
Cap: Up to AED 350/mo
0.35%
0.35%
0.35%
0.35%
1.25%
Perks
Key Strengths and Weaknesses
Strengths
35% cashback on dining, one of the highest rates in the UAE.
No annual or joining fee, making it cost-free to hold.
AED 750 welcome bonus for new-to-ADCB customers who spend AED 5,000 in 45 days.
1.25% cashback on all other purchases with no cap.
Watch out for
Dining cashback capped at AED 350 per month, limiting heavy spenders.
Only 0.35% cashback on groceries, education, utilities, and international spend.
4.14% foreign exchange markup makes international purchases expensive.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the ADCB Talabat Credit Card?
No, the card has no annual or joining fee, so you can hold it at no cost.
How much cashback do I earn on dining?
You earn 35% cashback on dining purchases, capped at AED 350 per month. To reach the cap, you need to spend AED 1,000 monthly on dining.
What is the welcome bonus and how do I qualify?
New-to-ADCB customers receive AED 750 in Talabat credit (converted to points) when they spend AED 5,000 within 45 days of card issuance. Existing ADCB customers receive AED 200. The bonus is credited within 90 days and applies only to digital channel applications.
Can I use this card abroad?
Yes, but the 4.14% foreign exchange markup is high, and you earn only 0.35% cashback on international purchases, so the net cost is significant.
What is the minimum salary requirement?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.