ADCB Emirati Islamic Card review
The card returns 7% cashback across seven categories, spanning fuel, airline and hotel bookings, dining and online food orders, jewellery, and salons, spas, health clubs and gyms, along with 50% cashback on movie tickets bought online and 1% on all other domestic and international spends. Earning cashback requires a minimum AED 7,000 in monthly retail spend across primary and supplementary cards (per third-party source), capped at AED 1,500 per month.
As a Shari'ah-compliant covered card it also delivers premium travel value, with unlimited worldwide lounge access for you and a guest plus multi-trip travel insurance, and the first year comes free before an AED 945 fee applies.
Reserved for UAE Nationals, the Emirati Islamic Card suits those who want strong, wide-ranging cashback in a Shari'ah-compliant format and spend enough each month to clear the threshold.
Card details
| Bank | ADCB |
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| Card type | Islamic |
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| Card network | Visa |
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| Minimum salary | AED 8,000 |
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| Annual fee | AED 945 |
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| Fee waiver | First year free, then AED 945 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 | 7% cashback on 7 categories (fuel; airline and hotel bookings; dining including online food orders; jewellery; salons, spas, health clubs and gyms); 50% cashback on movie tickets purchased online; 1% cashback on all other domestic and international spendsA minimum retail spend of AED 7,000 per calendar month is required to earn cashback, counted across combined primary and supplementary spends (per third-party source) Up to AED 1,500 cashback per month A Shari'ah-compliant covered card, exclusively for UAE Nationals, with cashback credited to your statement |
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| Lounge access | Unlimited worldwide airport lounge access for the cardholder plus one free guest |
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| Quick cash | PayOrder facility (Islamic cash facility) available |
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| Balance transfer | PayOrder facility available |
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| Instalment plan | 0% payment plans available |
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ADCB Emirati Islamic Card benefits
✓7% cashback across 7 everyday categories
✓Up to AED 1,500 cashback per month
✓1% on all other domestic and international spends
✓50% cashback on online movie tickets
✓Unlimited worldwide lounge access plus one guest
✓Multi-trip travel insurance
✓First year free
Offers and payment options
Quick cashPayOrder facility (Islamic cash facility) available
Balance transferPayOrder facility available
Instalment plan0% payment plans available
ADCB Emirati Islamic Card fees & charges
| Annual percentage rate (APR) | 44.28% per annum (3.69% monthly profit rate x 12) |
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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 (Donation for Late Payment) |
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| Foreign currency fee | 2.99% (non-AED transaction margin) |
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| Minimum payment | 5% or AED 100 whichever is higher |
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| Interest-free period | 20 to 25 days (profit-free period) |
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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 UAE Nationals who want a Shari'ah-compliant high-cashback card across everyday categories.
What works well
- ✓High 7% cashback across many everyday categories
- ✓Shari'ah-compliant with a generous AED 1,500 monthly cap
- ✓Unlimited lounge access plus a guest
What to weigh up
- −Restricted to UAE Nationals only
- −Requires AED 7,000 monthly spend to earn cashback
- −AED 945 fee from year 2
ADCB Emirati Islamic Card eligibility
Exclusively for UAE Nationals earning a minimum salary of AED 8,000, or meeting a minimum credit limit eligibility of AED 15,000
▤Emirates ID▤Salary certificate / proof of income▤Bank statements (3-6 months)
ADCB Emirati Islamic Card FAQs
Exclusively for UAE Nationals 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 945. First year free, then AED 945 including VAT from the second year onwards
7% cashback on 7 categories (fuel; airline and hotel bookings; dining including online food orders; jewellery; salons, spas, health clubs and gyms); 50% cashback on movie tickets purchased online; 1% cashback on all other domestic and international spends
It suits UAE Nationals who want a Shari'ah-compliant high-cashback card across everyday categories.
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.
