Essential Cashback Credit Card

Enjoy 4 complimentary visits to 25+ airport lounges worldwide per year for cardholder and supplementary cardholders. Access via Mastercard Travel Pass app.

How often

4 uses a year

How to use it

Activate in the bank's app — Download Mastercard Travel Pass app, register card, locate lounges and present QR code to receptionist.

Caps and limits

4 complimentary visits per year. After first visit, 1 USD minimum spend required for 3 months complimentary access. Accompanying guests charged USD 32 per visit.

Where

All emirates

“Enjoy 4 complimentary visits to 25+ airport lounges worldwide for you and your supplementary cardholders.”

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

Earn 0.75% cashback on select merchant spend categories.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Applies on select merchant categories only.

Where

All emirates

“0.75% cashback on select spend categories”

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

Earn 1% cashback on monthly card spends of up to AED 5,000. Minimum spend of AED 1,000 per month required for eligibility.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Minimum spend of AED 1,000 per month required. Applies on spends up to AED 5,000 per month.

Exclusions

Bill payments, school fees and transactions made through any ADCB channel are not eligible for cashback.

Where

All emirates

“1% cashback on monthly spends of up to AED 5,000”

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

Earn 1.25% cashback on monthly card spends of AED 5,000 or more. Maximum monthly cashback of AED 1,000. Minimum spend of AED 1,000 per month required for eligibility.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum monthly cashback of AED 1,000. Minimum spend of AED 1,000 per month required. Cashback earned on spends up to credit limit.

Exclusions

Bill payments, school fees and transactions made through any ADCB channel are not eligible for cashback.

Where

All emirates

“You can earn a maximum cashback of AED 1,000 every month.”

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

Buy one movie ticket, get one free at Reel Cinemas. Up to 2 free tickets can be availed in a month. Offer valid until 31st December 2026.

How often

2 uses a month

How to use it

Applied automatically

Caps and limits

Up to 2 free tickets can be availed in a month.

Where

All emirates

“Buy one ticket, get one free (up to 2 free tickets can be availed in a month)”

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

Enjoy 20% discount on food and beverage purchased at Reel Cinemas counter on a minimum spend of AED 20.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Minimum spend of AED 20 required per transaction.

Where

All emirates

“Enjoy 20% discount on food and beverage purchased at the counter on a minimum spend of AED 20”

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

Get 20% off grocery or food delivery orders once a month on talabat. Discount capped at AED 14 per transaction.

How often

Monthly

How to use it

Voucher code — Add Mastercard on talabat app and enter promo code MASTERCARD at checkout.

Caps and limits

20% discount capped at AED 14 per order. Available once a month.

Where

All emirates

“20% discount capped at AED 14.”

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

Enjoy up to 20% discount on all car rentals in addition to a free upgrade.

How often

Always on

How to use it

Redeem in a partner app — Click to make a reservation through Avis.

Where

All emirates

“Enjoy up to 20% discount on all rentals in addition to a free upgrade.”

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

Purchases made with the card are protected in case of theft or accidental damage for up to 180 days from the date of purchase.

How often

Always on

How to use it

Applied automatically

Caps and limits

Coverage period up to 180 days from date of purchase.

Where

All emirates

“purchases you make with your card are protected in case of theft or accidental damage for up to 180 days”

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