365 Cashback Credit Card review
Effective July 2026 (per third-party source), the card earns 6% on dining and online food orders, 5% on fuel and Salik, 5% on digital and AI app subscriptions such as Netflix, Spotify and ChatGPT, 3% on groceries and supermarkets, 0.5% on utilities and telecom, and 1% on other retail spends. To unlock the category rates you need a minimum monthly spend of AED 2,500 (reduced from AED 5,000 under the July 2026 update, per third-party source), and cashback is capped at AED 1,000 per month.
There is no chasing statements or vouchers here; cashback lands automatically on your monthly bill. The card also throws in buy-one-get-one movie tickets at VOX Cinemas and an AED 365 welcome bonus, with the first year free before an AED 365 fee applies.
With its low salary requirement and broad category coverage, the 365 Cashback card fits everyday spenders who want a single card to reward dining, fuel, groceries and subscriptions.
Card details
| Bank | ADCB |
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| Card type | Cashback |
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| Card network | Visa |
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| Minimum salary | AED 5,000 |
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| Annual fee | AED 383.25 |
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| Fee waiver | First year free, then AED 383.25 (including VAT) from the second year onwards |
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| Interest (monthly) | 3.69% |
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| Reward type | Cashback |
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| Reward rate | Effective July 2026 (per third-party source): 6% on dining and online food orders; 5% on fuel and Salik; 5% on digital and AI app subscriptions (such as Netflix, Spotify and ChatGPT); 3% on groceries and supermarkets; 0.5% on utilities and telecom; 1% on other retail spendsA minimum monthly spend of AED 2,500 is required to earn category cashback (reduced from AED 5,000 effective July 2026, per third-party source). International retail earns 1%, excluding the EU (per third-party source) Up to AED 1,000 cashback per month Cashback is automatically credited to your monthly statement. Category rates were updated effective 1 July 2026 (per third-party sources kredit.ae and ADCB guide) |
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| Welcome bonus | AED 365 cashback welcome bonus, subject to a minimum spendMinimum spend AED 5,000 within 45 days of card issuance | Credited as cashback within 90 days of card issuance |
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| Lounge access | Not listed as a core benefit |
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| Quick cash | Credit card loan available |
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| Balance transfer | Card loan available |
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| Instalment plan | 0% interest instalment plans available |
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Welcome bonus: AED 365 cashback welcome bonus, subject to a minimum spend
Terms: Minimum spend AED 5,000 within 45 days of card issuance | Credited as cashback within 90 days of card issuance
365 Cashback Credit Card benefits
✓Up to 6% cashback across everyday categories
✓Up to AED 1,000 cashback per month
✓AED 365 welcome bonus
✓Cashback auto-credited to your statement
✓Buy-one-get-one free movie tickets at VOX Cinemas
✓First year free
Offers and payment options
Quick cashCredit card loan available
Balance transferCard loan available
Instalment plan0% interest instalment plans available
365 Cashback Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% |
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| Cash advance fee | 3.15% or AED 105 (whichever is higher) |
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| Late payment fee | AED 241.50 |
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| Over-limit fee | AED 288.75 |
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| Foreign currency fee | 2.99% (Foreign Currency transaction margin, non-AED currency) plus approx 1.15% Visa/MC processing fee |
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| Minimum payment | 5% or AED 100 whichever is higher |
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| Interest-free period | 25 to 55 days |
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| Card replacement fee | AED 78.75 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It suits everyday spenders who want straightforward cashback on dining, fuel, groceries and subscriptions.
What works well
- ✓High everyday cashback across popular spending categories
- ✓Simple automatic statement credit
- ✓Accessible AED 8,000 salary requirement
What to weigh up
- −Requires AED 2,500 monthly spend to earn category cashback
- −AED 365 fee from year 2
- −Category rates changed in July 2026 (grocery and telecom reduced)
365 Cashback Credit Card eligibility
Open to those earning a minimum salary of AED 8,000, or meeting a minimum credit limit eligibility of AED 15,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
365 Cashback Credit Card FAQs
Open to those earning a minimum salary of AED 8,000, or meeting a minimum credit limit eligibility of AED 15,000
The listed annual fee is AED 383.25. First year free, then AED 383.25 (including VAT) from the second year onwards
Effective July 2026 (per third-party source): 6% on dining and online food orders; 5% on fuel and Salik; 5% on digital and AI app subscriptions (such as Netflix, Spotify and ChatGPT); 3% on groceries and supermarkets; 0.5% on utilities and telecom; 1% on other retail spends
It suits everyday spenders who want straightforward cashback on dining, fuel, groceries and subscriptions.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
