ADIB Cashback Visa Card review
Cardholders earn a flat 4% cashback on supermarket and grocery, fuel and automobile, school and education, dining and restaurants, and utilities, covering the bulk of routine family spending. Each category carries its own monthly cap, and total cashback is limited to AED 1,000 per month and credited automatically.
Beyond cashback, the card includes roadside assistance within the UAE once a year and keeps costs low with a AED 99 annual fee. There is no lounge access, keeping the focus firmly on everyday value.
With its high earn rate and modest fee, the card is a strong fit for everyday spenders across grocery, fuel, education, dining and utilities, though the per-category and AED 1,000 total monthly caps will constrain higher spenders.
Card details
| Bank | ADIB |
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| Card type | Cashback |
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| Card network | Visa |
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| Minimum salary | AED 5,000 |
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| Annual fee | AED 103.95 |
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| Fee waiver | Annual fee of AED 99 + 5% VAT. |
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| Interest (monthly) | 3.75% |
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| Reward type | Cashback |
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| Reward rate | 4% cashback on Supermarket and Grocery; 4% on Fuel and Automobile; 4% on School and Education; 4% on Dining and Restaurants; 4% on Utilities.Cashback is earned only within the listed categories, with caps applying per category (see reward cap). Supermarket and Grocery up to AED 300/month; Fuel and Automobile up to AED 300/month; School and Education up to AED 300/month; Dining up to AED 200/month; Utilities up to AED 100/month; total cashback capped at AED 1,000/month. Cashback is credited monthly, with a total monthly cap of AED 1,000. |
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| Lounge access | None; roadside assistance within the UAE once a year is offered instead. |
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ADIB Cashback Visa Card benefits
✓4% cashback across grocery, fuel, education, dining and utilities
✓Total cashback of up to AED 1,000 per month
✓Roadside assistance within the UAE once a year
✓Low annual fee of AED 99
ADIB Cashback Visa Card fees & charges
| Annual percentage rate (APR) | 45.63% |
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| Cash advance fee | 3% of withdrawal amount, minimum AED 103.95 (AED 99 + 5% VAT) |
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| Late payment fee | 100 |
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| Foreign currency fee | 2.3% non-AED transaction service fee (plus Visa/MC FX spread); 1.99% for AED international transactions |
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| Minimum payment | 5% of Present Balance plus any installment/EPP amounts, minimum AED 100 |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 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?
This card suits everyday spenders who want high cashback on grocery, fuel, education, dining and utilities.
What works well
- ✓High 4% cashback rate
- ✓Covers core everyday categories
- ✓Low annual fee
What to weigh up
- −Per-category and AED 1,000 total monthly caps limit high spenders
- −No lounge access
ADIB Cashback Visa Card eligibility
Minimum salary AED 5,000 (per third-party source kredit.ae); UAE resident; standard age 21+.
▤Emirates ID▤Passport/Visa▤Salary certificate / bank statements
ADIB Cashback Visa Card FAQs
Minimum salary AED 5,000 (per third-party source kredit.ae); UAE resident; standard age 21+.
The listed annual fee is AED 103.95. Annual fee of AED 99 + 5% VAT.
4% cashback on Supermarket and Grocery; 4% on Fuel and Automobile; 4% on School and Education; 4% on Dining and Restaurants; 4% on Utilities.
This card suits everyday spenders who want high cashback on grocery, fuel, education, dining and utilities.
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.
