Covered Cards 365 Cashback Covered Card

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Earn cashback every month with the ADCB Islamic 365 Cashback Card

3% Cashback
On utilities, telecom, fuel and Salik
6% Cashback
On dining including online orders
5% Cashback
On groceries
1% Cashback
On all other retail spends
AED 365
As a welcome bonus
No Annual Fee
For the first year
AED 1,000
Monthly cashback up to AED 1,000

Keep in mind

  • To be eligible for the cashback rewards, you are required to make a minimum purchase of AED 5,000 or more within a calendar month. You can earn a maximum monthly cashback of AED 1,000 on your card.
  • Welcome bonus of AED 365 is subject to a minimum spend of AED 5,000 within the first 45 days. Welcome bonus will be credited as cashback within 90 days of card issuance, upon meeting the spend eligibility criteria.
  • An annual fee of AED 383.25 (including VAT) will be applicable on the primary credit card from the second year onwards.

Cashback Calculator

Cashback Calculator

Enter the amount you spend monthly with your card
 AED
AED 0 AED 50000
 AED
AED 0 AED 50000
 AED
AED 0 AED 50000
 AED
AED 0 AED 50000
 AED
AED 0 AED 50000
 AED
AED 0 AED 150000
Monthly cashback earned
AED  0
Yearly cashback earned
AED  0
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A minimum retail spend of AED 5,000 on your card, per calendar month, is required to be eligible to earn cashback.

Disclaimer

  • The figures are based on indicative rates selected and are for illustrative purposes only. ADCB Islamic Banking rates are subject to change. The computation is based on simulated figures and a number of underlying assumptions and possible rounding-off of figures. Please consult your Relationship Manager/or visit the nearest branch or call 600 56 2626 to ensure that you receive complete information about the 365 Cashback Card.
  • Applicable cashback earn rate:
    • 3% cashback on utilities, telecom, fuel and Salik
    • 6% cashback on dining including online food orders
    • 5% cashback on groceries
    • 1% cashback on all other domestic and international retail purchases
  • Maximum cashback earned per month: AED 1,000
  • A minimum retail spend of AED 5,000 on your card, per calendar month, is required to be eligible to earn cashback
  • The minimum retail spend requirement includes the total spends made by the Primary Cardholder and the Supplementary Cardholder(s).

Other card benefits

Mobile and digital wallets
Benefit from convenient payment methods to suit your lifestyle.
To learn more, click here.
Credit shield
Enjoy complimentary life cover.
To learn more, click here.
Card control
Enjoy complete control of your card transactions.
To learn more, click here.
Instalments payment plans
visit adcbislamic.com/offers. For detailed list of participating partners.
School fee payments
Convert school fees into a 0% Profit Payment Plan.
To learn more, click here.
FlexiPay
Repay retail balances in monthly payments.
To learn more, click here
Balance transfer
Transfer your outstanding balances from other bank credit cards.
PayOrder Facility
Receive cash against your available limit and pay in easy installments of up to 12 months.

Eligibility

To apply for the 365 Cashback Covered Card you need to meet the following requirements:

  • You should be at least 21 years old
  • You need to have a minimum salary of AED 8,000 or be eligible for a card limit of at least AED 15,000

Fees and Charges

For detailed fees and charges, please click here.

Key Facts Statement

For the Key Facts Statement, please click here.

Terms and Conditions

For detailed and most updated terms and conditions on each of the features and benefits provided on your Covered Card as featured in this section and Covered Card general terms and conditions, please click here. All terms and conditions are subject to change without prior notice.

Approved by the Internal Shari’ah Supervision Committee

To view the Fatwa, please click here.

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Islamic 365 Cashback Credit Card
Islamic 365 Cashback Covered Card
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Other ways to apply

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Call our 24-hour contact centre on 600 56 2626.

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SMS 'i365' to 2626 from your registered mobile number.

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