Shukran ADCB Islamic Card review
As a Shari'ah-compliant covered card, it earns 10% back as Shukrans at Shukran partner brands and up to 1.5% back on all other spends, with a welcome bonus of up to AED 1,200 in Shukrans on meeting the minimum spend (per third-party source, AED 8,000 within the first 60 days). Shukrans are redeemable across the Shukran and Landmark network.
The card also includes a complimentary Shukran Platinum Tier membership and buy-one-get-one movie tickets at Reel Cinemas. UAE Nationals hold it free for life, while residents get a free first year before an AED 250 + VAT fee applies.
This card is a strong fit for shoppers who want the high Landmark rewards of the standard Shukran card in a Shari'ah-compliant format.
Card details
| Bank | ADCB |
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| Card type | Islamic |
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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 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 spendsThe 10% rate applies at Shukran and Landmark brands. The welcome bonus is subject to a minimum spend (per third-party source, AED 8,000 within the first 60 days) A Shari'ah-compliant covered card. Shukrans are redeemable across Shukran and Landmark partner brands, with a complimentary Shukran Platinum Tier membership |
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| Welcome bonus | Up to AED 1,200 welcome bonus in Shukrans, subject to a minimum spendNew ADCB Islamic Credit Card customers only | Minimum spend AED 8,000 within first 60 days | UAE nationals up to AED 1,200, UAE residents up to AED 1,000 |
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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: Up to AED 1,200 welcome bonus in Shukrans, subject to a minimum spend
Terms: New ADCB Islamic Credit Card customers only | Minimum spend AED 8,000 within first 60 days | UAE nationals up to AED 1,200, UAE residents up to AED 1,000
Shukran ADCB Islamic Card benefits
✓Shari'ah-compliant covered card
✓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
✓First year free (free for life for UAE Nationals)
✓Buy-one-get-one free movie tickets at Reel Cinemas
Offers and payment options
Quick cashPayOrder facility (Islamic cash facility) available
Balance transferPayOrder facility available
Instalment plan0% payment plans available
Shukran ADCB 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 customers who want a Shari'ah-compliant card with high rewards at Landmark and Shukran brands.
What works well
- ✓Shari'ah-compliant with strong Landmark and Shukran rewards
- ✓Free for life for UAE Nationals
- ✓Buy-one-get-one Reel Cinemas tickets
What to weigh up
- −The 10% rate is limited to Shukran brands
- −AED 250 + VAT fee from year 2 for residents
Shukran ADCB Islamic 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 Islamic 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 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
It suits customers who want a Shari'ah-compliant card with high rewards at Landmark and Shukran brands.
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.
