Credit Cards Essential Cashback Credit Card

Essential Cashback Credit Card

Transform your daily spends into cashback

1% cashback
Earn 1% cashback on all purchases
Free for life
no annual membership fee
Movie cashback
Up to AED 70 cashback on movie tickets
Lounge access
Complimentary airport lounge access

Keep in mind

  • Please note that we are refreshing the benefits on the Essential Cashback Credit Card effective July 1, 2026. Please visit adcb.com/essentialupdate for details.
  • Enjoy a welcome bonus of up to AED 350 when you apply for the ADCB Essential Cashback Credit Card on select digital channels. To view the Terms and Conditions, please click here.
  • To be eligible for the cashback rewards, you are required to make a minimum purchase of AED 1,000 or more within a calendar month. You can earn a maximum monthly cashback of AED 1,000 on your card.
  • To be eligible for the movie tickets cashback rewards, you are required to make a minimum purchase of AED 1,500 or more within a calendar month. You can earn a maximum monthly cashback of AED 70 on your card.

Cashback rewards

  • 1% cashback on all purchases
  • Up to AED 70 cashback per month on movies tickets purchased online

Please note:

  • You can earn a maximum cashback reward of AED 1,000 every month. A minimum spend of AED 1,000 per month on your card is required to be eligible for the cashback rewards.
  • You can earn a maximum of 70 AED cashback on movie tickets. A minimum spend of AED 1,500 per month on your card is required to be eligible for the movie tickets cashback rewards.
  • Cashback can be earned for spends performed up to the credit limit of the card.

Other credit 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 www.adcb.com.offers. For detailed list of participating partners.
School fee payments
Convert school fees into a 0% Interest 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.
Credit card loan
Benefit from a zero interest rate and repay in easy installments of up to 12 months.

Eligibility

To apply for the Essential Cashback Credit Card you need to meet the following requirements:
You should be at least 18 years old
You need to have a minimum salary of AED 5,000 or be eligible for a credit limit of at least AED 3,000

Charges and Fees

Please refer to the Schedule of Fees.

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 Credit Card as featured in this section and Credit Card general terms and conditions, please click here. All terms and conditions are subject to change without prior notice.

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Other ways to apply

Contact centre

Call our 24-hour contact centre on 600 50 2030.

Apply through SMS

SMS 'ESSENTIAL' 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