Covered Cards ADCB Emirati Islamic Card

ADCB

Keep in mind

  • To be eligible for the cashback rewards, you are required to make a minimum purchase of AED 7,000 or more within a calendar month. You can earn a maximum monthly cashback of AED 1,500 on your card.
  • An annual fee of AED 945 (including VAT) will be applicable on the primary covered card from the second year onwards.

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.
7% Cashback
On airlines tickets
7% Cashback
On hotel bookings
7% Cashback
On fuel
7% Cashback
On dining and online orders
7% cashback
On jewellery purchases
7% Cashback
On spas and salons
7% Cashback
On health clubs and gyms
1% Cashback
On all other domestic and international retail purchases

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 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
A minimum retail spend of AED 7,000 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 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

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 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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ADCB Emirati Islamic Covered Card
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