Talabat ADCB Islamic Card review
The headline draw is 35% back as talabat credit on talabat orders, alongside 1.25% back as talabat credit on everything else you buy. To earn the top rate you need a minimum monthly retail spend of AED 2,500; the 35% then applies to your first 10 orders each month at AED 35 per order, capped at AED 350 monthly (per third-party source). Fall short of the threshold and talabat orders drop to 1.25% for that month.
Beyond the credit, cardholders enjoy unlimited free talabat delivery and a welcome offer worth up to AED 750 in talabat credit once the minimum spend is met. Travellers also get 4 complimentary visits to 25+ airport lounges worldwide, and the card ships with a personalised design.
As a Shari'ah-compliant covered card that is free for life, it is a natural fit for talabat regulars who want faith-aligned rewards without an annual fee. Earned credit is deposited into your talabat Pay account in the first week of the following month.
Card details
| Bank | ADCB |
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| Card type | Islamic |
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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 purchasesA minimum monthly retail spend of AED 2,500 is needed to unlock the 35% rate on talabat orders, which applies to the first 10 orders each month at AED 35 per order (per third-party source). Miss the threshold and talabat orders earn 1.25% for that month The 35% rate is capped at AED 35 per order and AED 350 per month across the first 10 orders (per third-party source) A Shari'ah-compliant covered card. talabat credit lands in your talabat Pay account during the first week of the following month, and delivery on talabat is unlimited and free |
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| Welcome bonus | Up to AED 750 in talabat credit, subject to the minimum spendMinimum spend AED 5,000 within 45 days | Bonus paid as talabat credit | Up to AED 750 |
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| Lounge access | 4 complimentary visits to 25+ airport lounges worldwide |
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| Quick cash | PayOrder facility, an 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 750 in talabat credit, subject to the minimum spend
Terms: Minimum spend AED 5,000 within 45 days | Bonus paid as talabat credit | Up to AED 750
Talabat ADCB Islamic Card benefits
✓Shari'ah-compliant covered card
✓35% back on talabat orders (up to AED 350/month)
✓Unlimited free talabat delivery
✓Welcome credit of up to AED 750
✓Free for life with no annual fee
✓4 complimentary lounge visits at 25+ airports worldwide
✓Personalised card design
Offers and payment options
Quick cashPayOrder facility, an Islamic cash facility, available
Balance transferPayOrder facility available
Instalment plan0% payment plans available
Talabat 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 regular talabat users who want a Shari'ah-compliant free-for-life card that returns generous app credit and free delivery.
What works well
- ✓High talabat return plus free delivery on a Shari'ah-compliant card
- ✓Free for life with an accessible AED 5,000 salary bar
- ✓Includes airport lounge visits
What to weigh up
- −The 35% rate is capped at AED 350/month and needs AED 2,500 monthly spend
- −Rewards are paid only as talabat credit
- −Lounge access is limited to 4 visits versus unlimited on the conventional version
Talabat ADCB Islamic Card eligibility
Minimum salary of AED 5,000 or minimum credit limit eligibility of AED 3,500
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
Talabat ADCB Islamic Card FAQs
Minimum salary of AED 5,000 or 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 regular talabat users who want a Shari'ah-compliant free-for-life card that returns generous app credit and free delivery.
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.
