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Co-brand rewardsVisa
ADCB
Shukran Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 262.5
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; free for life for UAE Nationals
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 262.5
- Fee note
- Free for the first year; free for life for UAE Nationals
- 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.
- Up to AED 1,200 welcome bonus as Shukrans on spending AED 8,000 within the first 60 days (AED 1,200 for new-to-ADCB UAE Nationals, AED 1,000 for new-to-ADCB UAE Residents, AED 200 for existing ADCB cardholders)
- 10% back as Shukrans at Shukran brands: Babyshop, Centrepoint, Emax, Homebox, Homecentre, Lifestyle, Max, Shoemart, Splash and Styli
- 1.5% back as Shukrans on all other retail purchases within or outside the UAE
- 0.5% back on fuel, education, government services, real estate, telecommunications, charity, transport, supermarkets, auto dealers and insurance
- 0.5% back on retail purchases in Europe (EEA)
- Complimentary fast-track upgrade to Shukran Platinum Tier membership
- Buy 1 Get 1 free movie tickets at Reel Cinemas (up to 2 per month) plus 20% off food and beverages at the counter
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.