Enjoy exclusive benefits with 7% cashback across 7 categories
Tailored exclusively for UAE Nationals, the ADCB Emirati Islamic Covered Card offers 7% cashback across dining, fuel, hotels, travel, fitness, spas and jewellery. This Shari’ah-compliant card offers no annual fee for the first year and unlocks a world of unparalleled rewards and exclusive benefits.








Cashback Calculator
Cashback Calculator
Enter the amount you spend monthly with your cardDisclaimer
- 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 ADCB Emirati Islamic Covered Card.
- Applicable cashback earn rate:
- 7% cashback on airline tickets spends
- 7% cashback on hotel spends
- 7% cashback on fuel
- 7% cashback on dining including online food orders
- 7% cashback on jewellery purchases
- 7% cashback on spas and salons
- 7% cashback on health clubs and gyms
- 50% cashback on movies tickets purchased online
- 1% cashback on all other domestic and international retail purchases
- Maximum cashback earned per month: AED 1,500
- A minimum retail spends of AED 7,000 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

Eligibility
To apply for the ADCB Emirati Islamic 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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Other ways to apply
Contact centre
Call our 24-hour contact centre on 600 56 2626.
Apply through SMS
SMS 'UAE7' to 2626 from your registered mobile number.
Visit us
We will be happy to welcome you at any of our branches. Find the closest branch to you