Talabat ADCB Credit Card review
The standout feature is 35% back as talabat credit on your talabat orders, applied to the first 10 orders each month with each capped at AED 35, for up to AED 350 monthly. Reaching that top rate needs a minimum AED 2,500 in monthly retail spend; fall short and talabat orders earn 1.25% that month, the same rate all your other purchases earn (per third-party source). Credit is deposited to your talabat Pay account in the first week of the following month.
On top of the rewards you get unlimited free talabat delivery, a welcome bonus of up to AED 750 in credit, a personalised card design and 2-for-1 Mastercard offers. Unusually for a card with no annual fee, it also includes unlimited access to more than 20 airport lounges worldwide.
Free for life and available from a AED 5,000 salary, the Talabat ADCB card is ideal for heavy talabat users happy to receive rewards as app credit rather than cash.
Card details
| Bank | ADCB |
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| Card type | Lifestyle |
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| Card network | Mastercard |
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| Co-brand | Talabat |
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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 | talabat credit |
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| Reward rate | 35% back as talabat credit on talabat orders; 1.25% back as talabat credit on all other purchasesThe 35% rate applies to the first 10 talabat orders each calendar month, with each order capped at AED 35 (per third-party source). A minimum monthly retail spend of AED 2,500 is required to earn 35%; if it is not met, all talabat orders earn 1.25% that month (per third-party source) 35% is capped at AED 35 per order and AED 350 per month across the first 10 orders (per third-party source) talabat credit is added to your talabat Pay account in the first week of the following month; enjoy unlimited free talabat delivery and redeem credit on talabat orders |
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| Welcome bonus | Up to AED 750 in talabat credit, subject to a minimum spendCards applied via digital channels only (talabat app, ADCB website, ADCB Mobile Banking App, Hayyak App) | Minimum spend AED 5,000 in first 45 days | Credited to talabat Pay account |
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| Lounge access | 4 complimentary visits per year to 25+ airport lounges worldwide for primary and supplementary cardholders |
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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% instalment plans available |
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Welcome bonus: Up to AED 750 in talabat credit, subject to a minimum spend
Terms: Cards applied via digital channels only (talabat app, ADCB website, ADCB Mobile Banking App, Hayyak App) | Minimum spend AED 5,000 in first 45 days | Credited to talabat Pay account
Talabat ADCB Credit Card benefits
✓35% back on talabat orders (up to AED 350 per month)
✓Unlimited free talabat delivery
✓Up to AED 750 welcome credit
✓Free for life
✓Unlimited access at 20+ airport lounges globally
✓Personalised card design
✓2-for-1 Mastercard offers
Offers and payment options
Quick cashCredit card loan available
Balance transferCard loan available
Instalment plan0% instalment plans available
Talabat 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 talabat food-delivery users who want free delivery and high app credit at no annual cost.
What works well
- ✓Very high 35% return for talabat users plus free delivery
- ✓Free for life with a low salary requirement
- ✓Lounge access, which is rare for a no-fee card
What to weigh up
- −The 35% reward is capped at AED 350 per month and needs AED 2,500 spend
- −Rewards are paid as talabat credit rather than cash
- −Only 1.25% back outside talabat
Talabat ADCB Credit Card eligibility
Open to those earning a minimum salary of AED 5,000, or meeting a minimum credit limit eligibility of AED 3,500
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
Talabat ADCB Credit Card FAQs
Open to those earning a minimum salary of AED 5,000, or meeting a minimum credit limit eligibility of AED 3,500
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
35% back as talabat credit on talabat orders; 1.25% back as talabat credit on all other purchases
It suits frequent talabat food-delivery users who want free delivery and high app credit at no annual cost.
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.
