365 Cashback

The primary credit card annual fee is waived for the first year. From the second year onwards an annual fee of AED 383.25 (including VAT) applies.

How often

Yearly

How to use it

Applied automatically — No action required; the fee is not charged in the first year.

Caps and limits

Applies to the first year only; AED 383.25 (including VAT) applies on the primary credit card from the second year onwards.

Where

All emirates

“No Annual Fee for the first year”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Cardholders earn 0.5% cashback on EU (non-AED) retail spends, subject to the overall monthly cashback cap.

How often

Monthly

How to use it

Applied automatically — Cashback is automatically calculated and credited monthly provided minimum spend of AED 5,000/month is met.

Caps and limits

Maximum monthly cashback across all categories is AED 1,000; minimum monthly spend of AED 5,000 required to qualify.

Exclusions

Bill payments, school fees, and transactions made on ADCB channels are not eligible for cashback.

Where

International

“0.5% cashback on EU spends”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 25 Aug 2026

Earn 5% cashback on AI-powered subscriptions such as ChatGPT, Microsoft Copilot and Google Gemini, applicable on both AED and non-AED spends.

How often

Monthly

How to use it

Applied automatically — Transactions must be performed directly on the merchant's website, application or store using the card.

Caps and limits

Counts toward the maximum monthly cashback of AED 1,000; minimum monthly spend of AED 5,000 required. See ADCB's subscription guide for the eligible merchant list.

Exclusions

Transactions conducted through third-party platforms and/or where ADCB is unable to identify the merchant clearly will not qualify for the 5% cashback.

Where

All emirates, International

“5% cashback on AI-powered subscriptions like ChatGPT, Microsoft Copilot, Google Gemini and more*”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Earn 5% cashback on home digital entertainment subscriptions such as Netflix, Amazon Prime and Disney+, applicable on both AED and non-AED spends.

How often

Monthly

How to use it

Applied automatically — Transactions must be performed directly on the merchant's website, application or store using the card.

Caps and limits

Counts toward the maximum monthly cashback of AED 1,000; minimum monthly spend of AED 5,000 required. See ADCB's home digital subscription guide for the eligible merchant list.

Exclusions

Transactions conducted through third-party platforms and/or where ADCB is unable to identify the merchant clearly will not qualify for the 5% cashback.

Where

All emirates, International

“5% cashback on Home Digital Entertainment subscriptions like Netflix, Amazon Prime, Disney+ and more*”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

One-time welcome bonus of AED 365 credited as cashback, subject to a minimum spend of AED 5,000 within 45 days of card issuance through retail purchases, balance transfer and credit card loans.

How often

Per event

How to use it

Applied automatically — Spend at least AED 5,000 within the first 45 days from card issuance; the bonus is credited as cashback within 90 days of card issuance.

Caps and limits

One-time reward only, credited within 90 days in the first year of card issuance.

Exclusions

Bonus is forfeited if the AED 5,000 minimum spend within 45 days is not met.

Where

All emirates

“Enjoy a welcome bonus of AED 365 when you sign up for the card.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Earn cashback every month across grocery, dining, fuel & Salik, subscriptions and other retail spends. A minimum spend of AED 5,000 per calendar month is required to qualify, and the maximum cashback is AED 1,000 per month.

How often

Monthly

How to use it

Applied automatically — Spend at least AED 5,000 in the calendar month; cashback is earned automatically on eligible spends.

Caps and limits

Minimum monthly spend of AED 5,000 required; maximum monthly cashback of AED 1,000.

Exclusions

Bill payments, school fees, and transactions made on ADCB channels are not eligible for cashback.

Where

All emirates

“You can earn a maximum monthly cashback reward of AED 1,000. - A minimum spend of AED 5,000 per month on your card is required to be eligible for the cashback rewards.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Earn 1% cashback on other local retail spends and 0.5% cashback on select category spends, subject to the monthly minimum spend and the overall monthly cashback cap.

How often

Monthly

How to use it

Applied automatically — Pay with the card; cashback accrues automatically on eligible retail spends.

Caps and limits

Counts toward the maximum monthly cashback of AED 1,000; minimum monthly spend of AED 5,000 required.

Exclusions

Bill payments, school fees, and transactions made on ADCB channels are not eligible for cashback.

Where

All emirates

“0.5% cashback on Select category spends - 1% cashback on other Retail Spends”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Buy one ticket and get one free at VOX Cinemas in the UAE across categories such as IMAX, Standard and MAX Standard, up to 4 tickets per month per card.

How often

4 uses a month

How to use it

Triggered by paying with the card — Use the eligible ADCB 365 Cashback Credit Card to buy a ticket at VOX Cinemas UAE to receive the second ticket free; see ADCB's benefit usage guidelines.

Caps and limits

Up to 4 tickets per month per card.

Where

All emirates

“Buy one ticket, get one free (up to 4 tickets per month per card)”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Receive 25% off select meals at the candy bar in any VOX Cinemas location in the UAE, applicable on F&B single items only.

How often

Per event

How to use it

Triggered by paying with the card — Pay at the VOX Cinemas candy bar with the eligible ADCB card.

Caps and limits

Applicable on F&B single items only.

Exclusions

Excludes combo meals.

Where

All emirates

“25% discount on select meals, applicable on F&B single items only excluding combo meals at the candy bar in any VOX Cinemas location within UAE”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Earn 6% cashback on local (AED) dining spends, including online food orders, subject to the monthly minimum spend and the overall monthly cashback cap.

How often

Monthly

How to use it

Applied automatically — Pay with the card at restaurants or for online food orders; cashback accrues automatically.

Caps and limits

Counts toward the maximum monthly cashback of AED 1,000; minimum monthly spend of AED 5,000 required.

Exclusions

Bill payments, school fees, and transactions made on ADCB channels are not eligible for cashback.

Where

All emirates

“6% cashback on Dining spends including the online orders”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Regular and medium size popcorn and soft drink can be upgraded to medium and large size respectively at the VOX Cinemas candy bar by showing the eligible ADCB card.

How often

Per event

How to use it

Triggered by paying with the card — Show the eligible ADCB card covered under the Buy 1 Get 1 movie ticket offer at the candy bar.

Caps and limits

Available only on cards covered under the Buy 1 Get 1 movie ticket offer.

Where

All emirates

“Upgrade offer: regular and medium size popcorn and soft drink can be upgraded to a medium and large size popcorn and soft drink respectively.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Convert school fee payments made on the card into a 0% Interest Payment Plan.

How often

Always on

How to use it

Redeem on a website — Request conversion of the school fee transaction into the 0% payment plan through ADCB.

Exclusions

School fee transactions are not eligible for cashback.

Where

All emirates

“School fee payments: Convert school fees into a 0% Interest Payment Plan.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Earn 1% cashback on all international retail spends (excluding EU spends) and 0.5% cashback on EU spends.

How often

Monthly

How to use it

Applied automatically — Pay with the card on international (non-AED) retail transactions; cashback accrues automatically.

Caps and limits

Counts toward the maximum monthly cashback of AED 1,000; minimum monthly spend of AED 5,000 required.

Exclusions

EU spends earn the lower 0.5% rate instead of 1%.

Where

International

“1% cashback on all international retail spends (excluding EU spends) - 0.5% cashback on EU spends”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Earn 5% cashback on local (AED) fuel and Salik spends, subject to the monthly minimum spend and the overall monthly cashback cap.

How often

Monthly

How to use it

Applied automatically — Pay with the card at fuel stations or for Salik top-ups; cashback accrues automatically.

Caps and limits

Counts toward the maximum monthly cashback of AED 1,000; minimum monthly spend of AED 5,000 required.

Exclusions

Bill payments, school fees, and transactions made on ADCB channels are not eligible for cashback.

Where

All emirates

“5% cashback on Fuel & Salik spends”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Earn 3% cashback on local (AED) spends at groceries and supermarkets, subject to the monthly minimum spend and the overall monthly cashback cap.

How often

Monthly

How to use it

Applied automatically — Pay with the card at grocery and supermarket merchants; cashback accrues automatically.

Caps and limits

Counts toward the maximum monthly cashback of AED 1,000; minimum monthly spend of AED 5,000 required.

Exclusions

Bill payments, school fees, and transactions made on ADCB channels are not eligible for cashback.

Where

All emirates

“3% cashback on Groceries & Supermarkets spends”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Transfer outstanding balances from other bank credit cards to the ADCB 365 Cashback Credit Card.

How often

Always on

How to use it

Redeem on a website — Apply for a balance transfer through ADCB.

Caps and limits

Balance transfer spends count toward the AED 5,000 welcome bonus spend requirement.

Where

All emirates

“Balance transfer: Transfer your outstanding balances from other bank credit cards.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Take a credit card loan with a zero interest rate and repay in easy installments of up to 12 months.

How often

Always on

How to use it

Redeem on a website — Apply for a credit card loan through ADCB.

Caps and limits

Repayment in installments of up to 12 months.

Where

All emirates

“Credit card loan: Benefit from a zero interest rate and repay in easy installments of up to 12 months.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Repay retail balances on the card in monthly payments through FlexiPay.

How often

Always on

How to use it

Redeem on a website — Request FlexiPay on eligible retail balances through ADCB.

Where

All emirates

“FlexiPay: Repay retail balances in monthly payments.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Access instalment payment plans with a list of participating partner merchants published on ADCB's card offers page.

How often

Always on

How to use it

Redeem on a website — Visit www.adcb.com/en/personal/cards/card-offers/ for the detailed list of participating partners.

Where

All emirates

“Instalments payment plans: visit www.adcb.com/en/personal/cards/card-offers/ for a detailed list of participating partners.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

Enjoy complete control of your card transactions through ADCB's card control feature.

How often

Always on

How to use it

Activate in the bank's app — Manage card transaction controls via ADCB's digital channels.

Where

All emirates

“Card control: Enjoy complete control of your card transactions.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026

The card can be used with mobile and digital wallets for convenient payment methods.

How often

Always on

How to use it

Activate in the bank's app — Add the card to a supported mobile or digital wallet.

Where

All emirates

“Mobile and digital wallets: Benefit from convenient payment methods to suit your lifestyle.”

Source: https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card · Last checked 24 Aug 2026