Essential Cashback Credit Card review
The card pays up to 1.25% cashback on your spends, provided you reach AED 5,000 in a month, with a minimum retail spend of AED 1,000 needed to qualify at all, and cashback capped at AED 1,000 per month. On top of the flat rate, you can earn up to AED 70 per month in cashback on movie tickets bought online.
Despite carrying no annual fee, the Essential Cashback includes complimentary airport lounge access, a rare touch at this tier, along with discounts on talabat and Shahid. Cashback is simply credited back to your statement.
With a low AED 5,000 salary requirement, this card is well suited to customers who want uncomplicated cashback on all purchases without paying an annual fee, accepting a modest rate compared with category-based cards.
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 | Free for life |
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| Fee waiver | Free for life |
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| Interest (monthly) | 3.69% |
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| Reward type | Cashback |
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| Reward rate | Up to 1.25% cashback on spends, plus up to AED 70 cashback per month on movie tickets purchased onlineThe 1.25% cashback requires a monthly spend of AED 5,000 or more, with a minimum retail spend of AED 1,000 in a calendar month needed to be eligible for cashback Up to AED 1,000 cashback per month Cashback is credited to your statement, and complimentary airport lounge access is included |
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| Welcome bonus | Up to AED 350 welcome bonus when you apply on select digital channelsApply via select digital channels | Up to AED 350 | See offer T&C on product page |
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| Lounge access | Complimentary airport lounge access |
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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 plans available |
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Welcome bonus: Up to AED 350 welcome bonus when you apply on select digital channels
Terms: Apply via select digital channels | Up to AED 350 | See offer T&C on product page
Essential Cashback Credit Card benefits
✓Up to 1.25% cashback on monthly spends of AED 5,000+
✓Up to AED 1,000 cashback per month
✓Up to AED 70 per month cashback on online movie tickets
✓Free for life
✓Complimentary airport lounge access
✓Discounts on talabat and Shahid
Offers and payment options
Quick cashCredit card loan available
Balance transferCard loan available
Instalment plan0% interest plans available
Essential Cashback Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% per annum |
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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% (non-AED transaction margin, other cards) |
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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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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 customers who want simple flat-rate cashback on all spends with no annual fee.
What works well
- ✓Free for life with flat-rate cashback
- ✓Lounge access that is uncommon for a no-fee card
- ✓Low salary requirement
What to weigh up
- −The flat 1.25% is modest versus category cards
- −The full rate needs AED 5,000 in monthly spend
Essential Cashback Credit Card eligibility
Open to those earning a minimum salary of AED 5,000, or meeting a minimum credit limit eligibility of AED 3,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
Essential Cashback Credit Card FAQs
Open to those earning a minimum salary of AED 5,000, or meeting a minimum credit limit eligibility of AED 3,000
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Up to 1.25% cashback on spends, plus up to AED 70 cashback per month on movie tickets purchased online
It suits customers who want simple flat-rate cashback on all spends with no annual fee.
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.
