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Cashback
ADCB
365 Cashback Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 383.25
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Free for the first year
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 383.25
- Fee note
- Free for the first year
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- AED 365 welcome bonus on spending AED 5,000 within the first 45 days
- 3% cashback on Groceries & Supermarkets spends
- 6% cashback on Dining spends including online orders
- 5% cashback on Home Digital Entertainment subscriptions like Netflix, Amazon Prime, Disney+ and more
- 5% cashback on AI-powered subscriptions like ChatGPT, Microsoft Copilot, Google Gemini and more
- 5% cashback on Fuel & Salik spends
- 0.5% cashback on Select category spends
- 1% cashback on other Retail Spends
- 1% cashback on international spends (0.5% on EU spends)
- Maximum monthly cashback of AED 1,000; minimum monthly spend of AED 5,000 required
- Buy one ticket, get one free on movie tickets at VOX Cinemas (up to 4 tickets per month per card)
- 25% discount on select meals at the candy bar in any VOX Cinemas location within UAE
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.