Shukran ADCB Credit Card review
The headline draw is a 10% return in Shukrans at partner brands such as Babyshop, Centrepoint, Emax, Homebox, Home Centre, Lifestyle, Max, Shoemart, Splash and Styli, while other purchases earn up to 1.5% back and select categories like fuel, telecom and supermarkets earn 0.5% (per third-party source). New cardholders can also collect up to AED 1,200 in Shukrans by spending AED 8,000 within the first 60 days.
Beyond the retail rewards, the card layers in lifestyle value with a complimentary upgrade to Shukran Platinum Tier membership and buy-one-get-one movie tickets at Reel Cinemas. UAE Nationals hold the card free for life, while residents enjoy a free first year before an AED 250 + VAT fee applies.
This card is a natural fit for households that shop often across the Landmark portfolio and want to redeem their points directly at those same brands.
Card details
| Bank | ADCB |
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| Card type | Rewards |
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| Card network | Visa |
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| Co-brand | Shukran |
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| Minimum salary | AED 5,000 |
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| Annual fee | AED 262.50 |
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| Fee waiver | Free for life for UAE Nationals. For UAE Residents, free for the first year, then AED 250 + VAT from the second year onwards |
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| Interest (monthly) | 3.69% |
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| Reward type | Shukrans (Landmark Group loyalty points) |
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| Reward rate | 10% back as Shukrans at Shukran partner brands; up to 1.5% back as Shukrans on other spends; 0.5% back on fuel, education, government, real estate, telecom, charity, transport, supermarkets, auto dealer and insurance (per third-party source)The 10% rate applies at Shukran brands including Babyshop, Centrepoint, Emax, Homebox, Home Centre, Lifestyle, Max, Shoemart, Splash and Styli (per third-party source). The welcome bonus requires a minimum spend of AED 8,000 within the first 60 days (per third-party source) Shukrans are redeemable across Shukran and Landmark partner brands, and you receive a complimentary upgrade to Shukran Platinum Tier membership |
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| Welcome bonus | Up to AED 1,200 welcome bonus in Shukrans (AED 1,200 for new-to-ADCB UAE Nationals, AED 1,000 for new-to-ADCB UAE Residents, AED 200 for existing ADCB cardholders), subject to a minimum spend of AED 8,000 within the first 60 daysUAE Nationals new to ADCB credit/covered card: AED 1,200 | UAE Residents new to ADCB: AED 1,000 | Existing ADCB cardholders: AED 200 | Minimum spend AED 8,000 within first 60 days of card issuance (retail, balance transfer or card loan) | Credited to Shukran account within 120 days of card issuance | One-time reward |
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| Lounge access | Not listed as a core benefit |
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| Quick cash | Credit card loan (card loan) available |
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| Balance transfer | Balance transfer and card loan available with 0% interest plans |
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| Instalment plan | 0% interest instalment plans available |
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Welcome bonus: Up to AED 1,200 welcome bonus in Shukrans (AED 1,200 for new-to-ADCB UAE Nationals, AED 1,000 for new-to-ADCB UAE Residents, AED 200 for existing ADCB cardholders), subject to a minimum spend of AED 8,000 within the first 60 days
Terms: UAE Nationals new to ADCB credit/covered card: AED 1,200 | UAE Residents new to ADCB: AED 1,000 | Existing ADCB cardholders: AED 200 | Minimum spend AED 8,000 within first 60 days of card issuance (retail, balance transfer or card loan) | Credited to Shukran account within 120 days of card issuance | One-time reward
Shukran ADCB Credit Card benefits
✓10% back as Shukrans at Shukran brands
✓Up to 1.5% back as Shukrans on all other spends
✓Up to AED 1,200 welcome bonus in Shukrans
✓First year free (free for life for UAE Nationals)
✓Complimentary Shukran Platinum Tier membership
✓Buy-one-get-one free movie tickets at Reel Cinemas
Offers and payment options
Quick cashCredit card loan (card loan) available
Balance transferBalance transfer and card loan available with 0% interest plans
Instalment plan0% interest instalment plans available
Shukran ADCB 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 frequent shoppers at Landmark Group and Shukran brands who want high rewards on their retail purchases.
What works well
- ✓Strong 10% return for Landmark and Shukran brand shoppers
- ✓Free for life for UAE Nationals
- ✓Buy-one-get-one Reel Cinemas movie tickets
What to weigh up
- −The 10% rate is limited to Shukran brands only
- −AED 250 + VAT fee from year 2 for residents
Shukran ADCB Credit Card eligibility
Open to UAE residents 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)
Shukran ADCB Credit Card FAQs
Open to UAE residents 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 262.50. Free for life for UAE Nationals. For UAE Residents, free for the first year, then AED 250 + VAT from the second year onwards
10% back as Shukrans at Shukran partner brands; up to 1.5% back as Shukrans on other spends; 0.5% back on fuel, education, government, real estate, telecom, charity, transport, supermarkets, auto dealer and insurance (per third-party source)
It suits frequent shoppers at Landmark Group and Shukran brands who want high rewards on their retail purchases.
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.
