Islamic 365 Cashback 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, 3% on groceries and supermarkets, 0.5% on utilities and telecom, and 1% on other retail spends. Category cashback requires a minimum monthly spend of AED 2,500 (reduced from AED 5,000 under the July 2026 update, per third-party source), capped at AED 1,000 per month and credited automatically to your statement.
As a Shari'ah-compliant covered card it also adds a AED 365 welcome bonus and buy-one-get-one movie tickets at VOX Cinemas, with the first year free before an AED 365 fee applies.
With its low salary requirement and broad everyday coverage, the Islamic 365 Cashback Card suits customers who want a Shari'ah-compliant single card to reward dining, fuel and grocery spending.
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 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; 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) Up to AED 1,000 cashback per month A Shari'ah-compliant covered card. Cashback is automatically credited to your monthly statement, and category rates were updated effective 1 July 2026 (per third-party sources) |
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| Welcome bonus | AED 365 cashback welcome bonus, subject to a minimum spendAED 365 welcome cashback | Subject to card terms | See offer T&C on product page |
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| Lounge access | Not listed as a core benefit |
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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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Welcome bonus: AED 365 cashback welcome bonus, subject to a minimum spend
Terms: AED 365 welcome cashback | Subject to card terms | See offer T&C on product page
Islamic 365 Cashback Card benefits
✓Shari'ah-compliant covered card
✓Up to 6% cashback across everyday categories
✓Up to AED 1,000 cashback per month
✓AED 365 welcome bonus
✓Buy-one-get-one free movie tickets at VOX Cinemas
✓First year free
Offers and payment options
Quick cashPayOrder facility (Islamic cash facility) available
Balance transferPayOrder facility available
Instalment plan0% payment plans available
Islamic 365 Cashback 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 customers who want a Shari'ah-compliant everyday cashback card for dining, fuel and groceries.
What works well
- ✓Shari'ah-compliant with high everyday cashback
- ✓Automatic statement credit
- ✓Accessible AED 8,000 salary requirement
What to weigh up
- −Requires AED 2,500 monthly spend for category cashback
- −AED 365 fee from year 2
- −Category rates changed in July 2026
Islamic 365 Cashback 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)
Islamic 365 Cashback 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; 3% on groceries and supermarkets; 0.5% on utilities and telecom; 1% on other retail spends
It suits customers who want a Shari'ah-compliant everyday cashback card for dining, fuel and groceries.
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.
