ADCB Emirati Islamic Card

Enjoy unlimited complimentary access to premium airport lounges across the world with over 1,000 airport lounges worldwide. Self plus 1 guest per visit included. Access available to both primary and supplementary cardholders.

How often

Always on

How to use it

Applied automatically — Download the Visa Airport Companion App from Google Play or App Store for access details.

Caps and limits

Additional visits or accompanying guests beyond the entitlement charged at USD 32 per visit.

Where

International

“Unlimited complimentary access to premium airport lounges across the many cities”

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

No annual fee for the first year. An annual fee of AED 945 (including VAT) applies from the second year onwards on the primary credit card.

How often

Yearly

How to use it

Applied automatically

Caps and limits

Fee applies from second year onwards at AED 945 per year including VAT.

Where

All emirates

“This Shari'ah-compliant card offers no annual fee for the first year”

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

Earn 1% cashback on all international retail purchases including the 7 featured categories with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“1% cashback on all international retail purchases”

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

Earn 1% cashback on all other domestic retail purchases with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“1% cashback on all other domestic retail purchases”

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

Earn 7% cashback on airline ticket purchases with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“7% cashback on airline tickets spends”

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

Earn 7% cashback on dining and online food order purchases with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“7% cashback on dining including online food orders”

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

Earn 7% cashback on fuel purchases with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“7% cashback on fuel”

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

Earn 7% cashback on health club and gym purchases with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“7% Cashback On health clubs and gyms”

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

Earn 7% cashback on hotel booking purchases with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“7% cashback on hotel spends”

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

Earn 7% cashback on jewellery purchases with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“7% cashback on jewellery purchases”

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

Earn 7% cashback on spa and salon purchases with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“7% Cashback On spas and salons”

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

Earn 50% cashback on movie tickets purchased online with a maximum monthly cashback cap of AED 1,500. Minimum monthly spend of AED 7,000 required to be eligible.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback: AED 1,500. Minimum monthly spend required: AED 7,000 per calendar month.

Where

All emirates

“50% cashback on movies tickets purchased online”

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

Unlimited Buy 1 Get 1 free offer on beverages at Caribou Coffee outlets throughout the year. Offer valid at Caribou outlets in UAE only, excluding delivery orders and bottled beverages.

How often

Always on

How to use it

Triggered by paying with the card — Present card at Caribou Coffee outlets in UAE when making purchase.

Caps and limits

Valid only at Caribou outlets in UAE. Not valid on delivery orders or bottled beverages.

Exclusions

Delivery orders and bottled beverages excluded.

Where

Abu Dhabi, Dubai, Sharjah, Ajman, Ras Al Khaimah, Fujairah, Umm Al Quwain

“Receive a complimentary beverage on us all year round with unlimited Buy 1 Get 1 free”

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

Access 2-for-1 offers at top restaurants, spas, fitness outlets and entertainment venues across the Middle East through the ENTERTAINER app. Registration is free and easy.

How often

Always on

How to use it

Activate in the bank's app — Download ENTERTAINER mobile application from iOS or Android store, register with email and mobile number, add card to get started.

Where

International

“2-for-1 offers at top restaurants, spas, fitness outlets, entertainment across the Middle East”

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

Enroll for the Avis President's Club Loyalty through www.avisworld.com/visa and receive up to 35% discount on car rentals worldwide. Cardholders book online using designated URL.

How often

Always on

How to use it

Redeem on a website — Book cars online at www.avisworld.com/visa. Enroll through www.avisworld.com/visa

Caps and limits

Discounts for international and domestic rentals where rentals occur in same country as cardholder's country of residence in MENA.

Where

International

“Up to 35% off for ADCB Emirati Islamic Credit cardholders for renting worldwide.”

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

Enjoy 10% discount when shopping at The Bicester Village by paying with the ADCB Emirati Islamic Credit Card. Download VIP Pass on day of visit and present QR code for discount on applicable purchases.

How often

Always on

How to use it

Redeem on a website — Download a VIP Pass on the day of visit to participating store and present QR code to enable discount.

Where

International

“Enjoy 10% discount when shopping at The Bicester Village”

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

Global concierge service for luxury travel planning, restaurant reservations, exclusive event bookings, travel arrangements, car rentals, hotel transfers, shopping services and special gift arrangements.

How often

Always on

How to use it

Call the concierge line — Call Visa Infinite Concierge Desk on 800 0441 3487 (UAE) or +971 4 361 1234 (outside UAE), or email concierge@visainfinite-mea.com.

Where

International

“From luxury travel planning to reservations in the best restaurants and at exclusive events”

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

Comprehensive travel insurance including medical and inconvenience cover. Coverage includes cardholder, spouse, and up to 5 children with age limit of 75 years for all individuals.

How often

Yearly

How to use it

Applied automatically — Contact +971 (4) 2536024 or email creditcardclaims@crawco.me for claims.

Where

International

“Your ADCB Emirati Islamic Credit Card entitles you to comprehensive travel insurance”

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