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Cashback %
  • 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 retail purchases, made within UAE or outside UAE.

Why We Choose It

  • First Year Free offer.
  • High dining cashback in the market at 6%.
  • No category-wise cashback cap (only an overall AED 1,000 monthly cap)

Welcoming Gift/Bonus

ADCB 365 Cashback Credit Card offers AED 365 as a welcome bonus when you spend a minimum of AED 5,000 within the first 45 days. The card also comes with no annual fee for the first year.

Annual Fee (inclusive of Vat)

First year free and then 383.25 AED

Minimum Salary Requirement

AED 8,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.69%

Cashback

  • Minimum purchases of AED 5,000 or more in a calendar month.
  • Maximum monthly cashback of AED 1,000.
Cashback %:
  • 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 retail purchases, made within UAE or outside UAE.

Key benefits

  • Buy 1 Get 1 free movie tickets at VOX Cinemas, up to 4 complimentary tickets/month, includes 25% discount on select F&B items

Other benefits

  • Up to 12% off on select hotel bookings via Visa Agoda.

Why We Choose It

  • First Year Free offer.
  • High dining cashback in the market at 6%.
  • No category-wise cashback cap (only an overall AED 1,000 monthly cap)

What We Did Not Like

  • A minimum spend of AED 5,000 per month is required to be eligible for the cashback rewards.
  • The 1% cashback on non-AED spends is relatively low.
  • Cash advance fee is relatively high at 3.15%
  • International transaction fee of 2.99% is on the higher side

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.