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ADCB
Talabat ADCB 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 750 as talabat credit for digital-channel applications (AED 750 new-to-ADCB, AED 200 for existing ADCB cardholders) on spending AED 5,000 within 45 days
- 35% back as talabat credit on the first 10 talabat orders each month (cap AED 35 per order, AED 350 per month; requires AED 2,500 monthly retail spend, otherwise 1.25%)
- 1.25% back as talabat credit on other domestic and international retail purchases
- 0.35% back on fuel, education, government services, real estate, telecommunications, charity, transport, supermarkets, auto dealers and insurance
- 0.35% back on purchases in the UK & Europe (EEA)
- Unlimited free delivery on talabat pro orders (min AED 50 food, AED 100 mart/grocery/pharmacy)
- Free talabat pro subscription plus 10% off 10 Bolt rides per month (cap AED 15 per ride, Dubai only)
- 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
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.