Bustan بستان
Islamic 365 Cashback Card card
Abu Dhabi Commercial Bank

Islamic 365 Cashback Card

Mastercard Standard Islamic — profit rate, not interest Verified 25 Aug 2026

Fees and eligibility, as published

Annual fee
AED 383.25 a year Shariah-compliant Islamic card. Annual fee of AED 383.25 (including VAT) applies from year 2 onwards. First year is fee-free. No fee waiver based on spend is mentioned. Minimum monthly salary requirement is AED 5,000 or minimum card limit of AED 3,000.
Annual fee waived at
Not published
Minimum monthly salary
AED 5,000
Profit rate
Not published

9 verified benefits

Quoted from Abu Dhabi Commercial Bank's published terms. Anything we could not match to the issuer's own words is not listed.

Annual fee waiver 1 benefit

No Annual Fee First Year

Verified 25 Aug 2026

Cardholders are exempt from annual fees during the first year of card ownership.

How often
Yearly
How to use it
Applied automatically
Caps and limits
Applies to primary credit card only in first year. From second year, AED 383.25 annual fee applies.
Where
All emirates
“No Annual Fee For the first year”

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

Cashback 5 benefits

AI-Powered Subscriptions Cashback

Verified 25 Aug 2026

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

How often
Monthly
How to use it
Applied automatically
Caps and limits
Maximum monthly cashback of AED 1,000. Transactions must be made directly on merchant website or app.
Exclusions
Third-party platform transactions, transactions where ADCB cannot identify merchant clearly
Where
All emirates
“5% cashback on AI-powered subscriptions like ChatGPT, Microsoft Copilot, Google Gemini and more”

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

Dining Cashback

Verified 25 Aug 2026

Earn 6% cashback on dining spends including online orders made with the card each month.

How often
Monthly
How to use it
Applied automatically
Caps and limits
Maximum monthly cashback of AED 1,000. Minimum monthly spend of AED 5,000 required.
Exclusions
Bill payments, school fees, transactions made on ADCB channels
Where
All emirates
“6% cashback on Dining spends including the online orders”

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

Groceries Cashback

Verified 25 Aug 2026

Earn 3% cashback on groceries and supermarket purchases made with the card each month.

How often
Monthly
How to use it
Applied automatically
Caps and limits
Maximum monthly cashback of AED 1,000. Minimum monthly spend of AED 5,000 required. Bill payments, school fees, and ADCB channel transactions not eligible.
Exclusions
Bill payments, school fees, transactions made on ADCB channels
Where
All emirates
“3% cashback on Groceries & Supermarkets spends”

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

Home Digital Subscriptions Cashback

Verified 25 Aug 2026

Earn 5% cashback on home digital subscriptions like Amazon Prime, STARZPLAY, and beIN CONNECT on AED and non-AED spends.

How often
Monthly
How to use it
Applied automatically
Caps and limits
Maximum monthly cashback of AED 1,000. Transactions must be made directly on merchant website or app, not through third-party platforms.
Exclusions
Third-party platform transactions, transactions where ADCB cannot identify merchant clearly
Where
All emirates
“5% cashback on Home Digital Subscriptions like Amazon Prime, STARZPLAY, beIN CONNECT and more”

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

Other Retail Spends Cashback

Verified 25 Aug 2026

Earn up to 1% cashback on all other retail spends made with the card each month, subject to monthly cap.

How often
Monthly
How to use it
Applied automatically
Caps and limits
Maximum monthly cashback of AED 1,000. Minimum monthly spend of AED 5,000 required.
Exclusions
Bill payments, school fees, transactions made on ADCB channels
Where
All emirates
“1% cashback on other Retail Spends”

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

Cinema 1 benefit

VOX Cinemas Buy 1 Get 1 Movie Tickets

Verified 25 Aug 2026

Enjoy buy one get one free movie tickets at VOX Cinemas up to 4 tickets per month across all cinema categories including IMAX and Standard.

How often
4 uses a month
How to use it
Redeem in a partner app — Present eligible ADCB Islamic Banking card at VOX Cinemas location
Caps and limits
Up to 4 tickets per month per card. Applies across IMAX, Standard, MAX Standard categories.
Where
All emirates
“Buy one ticket, get one free (up to 4 tickets per month per card)”

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

Dining 1 benefit

VOX Cinemas F&B Discount

Verified 25 Aug 2026

Receive 25% discount on select meals at VOX Cinemas candy bar on single F&B items, excluding combo meals, across all UAE VOX Cinemas locations.

How often
Monthly
How to use it
Redeem in a partner app — Show eligible ADCB Islamic Banking card at VOX Cinemas candy bar
Caps and limits
Applies to F&B single items only, excluding combo meals. Upgrade offer available for popcorn and soft drinks.
Exclusions
Combo meals excluded from discount
Where
All emirates
“25% discount on select meals, applicable on F&B single items only excluding combo meals”

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

Fuel 1 benefit

Fuel and Salik Cashback

Verified 25 Aug 2026

Earn 5% cashback on fuel and Salik (toll) payments made with the card each month.

How often
Monthly
How to use it
Applied automatically
Caps and limits
Maximum monthly cashback of AED 1,000. Minimum monthly spend of AED 5,000 required.
Exclusions
Bill payments, school fees, transactions made on ADCB channels
Where
All emirates
“5% cashback on Fuel & Salik spends”

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

Where this card sits

Questions

What is the annual fee on the Islamic 365 Cashback Card?

The Islamic 365 Cashback Card has a published annual fee of AED 383.25. Shariah-compliant Islamic card. Annual fee of AED 383.25 (including VAT) applies from year 2 onwards. First year is fee-free. No fee waiver based on spend is mentioned. Minimum monthly salary requirement is AED 5,000 or minimum card limit of AED 3,000.

What salary does the Islamic 365 Cashback Card require?

Abu Dhabi Commercial Bank publishes a minimum monthly salary of AED 5,000 for the Islamic 365 Cashback Card.

What benefits does the Islamic 365 Cashback Card include?

The Islamic 365 Cashback Card carries 9 verified benefits across 5 categories: Annual fee waiver, Cashback, Cinema, Dining, Fuel. Each is quoted from Abu Dhabi Commercial Bank's own published terms on this page.

How current is this page?

Every benefit here carries the date it was last read from the issuer's published terms. This page is last verified 25 Aug 2026. Anything we could not verify against the issuer's own words is not shown at all.

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See what you're wasting.

Every benefit on this page is quoted from the issuer's own published terms and links back to the page it was read from, with the date it was last checked. Bustan is not affiliated with any bank. Issuers and rights holders who want a quotation corrected or removed can write to support@getbustan.com and we will act on it. Published by Jasmine Entertainment FZE.