← All 169 cards
CashbackMastercard
ADCB
Essential Cashback Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
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 life
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 0
- Fee note
- Free for life
- 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.
- Welcome bonus of up to AED 350 when applying through select digital channels
- 1.25% cashback on monthly retail spends of AED 5,000 or more
- 1% cashback on monthly spends below AED 5,000
- 0.75% cashback on select categories
- Cashback earned on both AED and non-AED spends
- Maximum cashback of AED 1,000 every month; minimum spend of AED 1,000 per month required
- Buy 1 Get 1 free movie tickets at Reel Cinemas (up to 2 per month) plus 20% off food and beverages at the counter
- 4 complimentary airport lounge visits per year at 25+ lounges worldwide
- Up to 20% discount and free upgrade on Avis car rentals
- 20% off one talabat grocery or food order per month (capped at AED 14)
- Purchase protection for up to 180 days
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.