Traveller Credit Card review
The earning structure is built for travellers: 10% cashback on airline tickets and hotel stays whether paid in AED or foreign currency, 50% cashback on movie tickets, and 1.5% back on all other domestic AED spends. To qualify, you need at least AED 5,000 in monthly retail spend across primary and supplementary cards (per third-party source), and cashback is capped at AED 1,500 per month and credited to your statement.
The travel benefits go well beyond cashback. Cardholders get unlimited worldwide lounge access with a free guest, zero foreign currency fees, complimentary travel insurance, data roaming and Careem airport transfers, plus a welcome hotel stay worth AED 2,000 on meeting the terms.
With its AED 1,575 fee and AED 20,000 salary requirement, the Traveller card is aimed at higher-earning frequent flyers who book enough travel to make the rich perks pay for themselves.
Card details
| Bank | ADCB |
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| Card type | Travel |
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| Card network | Mastercard |
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| Minimum salary | AED 20,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | AED 1,575 including VAT, with no standard waiver stated |
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| Interest (monthly) | 3.69% |
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| Reward type | Cashback |
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| Reward rate | 10% cashback on airline tickets (AED and non-AED); 10% cashback on hotel stays (AED and non-AED); 50% cashback on movie tickets (AED spends); 1.5% cashback on all other domestic AED spendsA minimum retail spend of AED 5,000 or more in a calendar month is required to qualify for cashback, counted across combined primary and supplementary spends (per third-party source) Up to AED 1,500 cashback per month No foreign currency fees on international spends, with cashback credited to your statement |
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| Welcome bonus | Complimentary hotel stay worth AED 2,000, subject to membership fee payment and a minimum spendPay annual membership fee | Spend AED 15,000 within 60 days of card issuance | Voucher issued within 60 days of annual fee payment (first year) | Voucher valid 6 months from issue, stay completed before expiry | Redeem at expedia.ae/adcb |
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| Lounge access | 14 complimentary visits per year to 1,200+ airport lounges worldwide for primary and supplementary cardholders, plus 1 free guest per visit |
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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% interest instalment plans available |
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Welcome bonus: Complimentary hotel stay worth AED 2,000, subject to membership fee payment and a minimum spend
Terms: Pay annual membership fee | Spend AED 15,000 within 60 days of card issuance | Voucher issued within 60 days of annual fee payment (first year) | Voucher valid 6 months from issue, stay completed before expiry | Redeem at expedia.ae/adcb
Traveller Credit Card benefits
✓10% cashback on airline tickets and hotel stays
✓Zero foreign currency fees on international spends
✓Up to AED 1,500 cashback per month
✓Unlimited worldwide lounge access plus one guest
✓Complimentary hotel stay worth AED 2,000 as a welcome gift
✓Complimentary Careem airport transfers
✓50% cashback on movie tickets
Offers and payment options
Quick cashCredit card loan available
Balance transferCard loan available
Instalment plan0% interest instalment plans available
Traveller 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 | 0% (Traveller card has 0% Foreign Currency transaction margin / foreign transaction 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 international travellers who book flights and hotels and want to avoid foreign currency fees.
What works well
- ✓Excellent 10% back on flights and hotels with zero FX fees
- ✓Unlimited lounge access plus a guest
- ✓Rich travel perks including insurance, Careem transfers and data roaming
What to weigh up
- −High annual fee of AED 1,575
- −Requires AED 5,000 monthly spend to earn cashback
- −High minimum salary of AED 20,000
Traveller Credit Card eligibility
Open to those earning a minimum salary of AED 20,000, or meeting a minimum credit limit eligibility of AED 30,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
Traveller Credit Card FAQs
Open to those earning a minimum salary of AED 20,000, or meeting a minimum credit limit eligibility of AED 30,000
The listed annual fee is AED 1,575. AED 1,575 including VAT, with no standard waiver stated
10% cashback on airline tickets (AED and non-AED); 10% cashback on hotel stays (AED and non-AED); 50% cashback on movie tickets (AED spends); 1.5% cashback on all other domestic AED spends
It suits frequent international travellers who book flights and hotels and want to avoid foreign currency fees.
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.
