ADCB
    Updated January 2026

    Best ADCB Credit Cards in UAE 2026

    Abu Dhabi Commercial Bank (ADCB) is one of the leading financial institutions in the UAE, formed through the merger of three major banks. With over AED 500 billion in assets, ADCB has established itself as a trusted banking partner for millions of customers across the Emirates.

    ADCB offers an impressive range of credit cards catering to different lifestyles - from everyday cashback earners to frequent travelers and premium cardholders. What sets ADCB apart is their generous free-for-life offerings and partnership cards like the popular Talabat and LuLu co-branded cards.

    We have curated the 5 best ADCB credit cards based on rewards value, accessibility, and overall benefits for UAE residents.

    Find Your Perfect Card

    Quick Comparison

    CardAnnual FeeMin SalaryKey Benefit
    ADCB 365 Cashback Credit CardFreeAED 10,000Free for Life
    ADCB Traveller Credit CardAED 500AED 15,000Priority Pass
    ADCB Essential Cashback Credit CardFreeAED 5,000Free for Life
    ADCB - TouchPoints Infinite Credit CardAED 1050AED 30,000Unlimited Lounges
    ADCB Talabat Credit CardFreeAED 8,000No Annual Fee

    Featured Cards

    1
    ADCB

    ADCB 365 Cashback Credit Card

    1% base | 5% groceries, 3% utilities

    ADCB 365 Cashback Credit Card

    Annual Fee

    Free for Life

    Min Salary

    AED 10,000

    Type

    Cashback

    Key Features:

    Free for Life - Enjoy no annual fee for life with the ADCB 365 Cashback Credit Card.
    5% Grocery Cash - Earn 5% cashback on groceries, capped at AED 200 per month.
    3% Utilities - Earn 3% cashback on utility payments including Etisalat, du, DEWA, SEWA, FEWA, ADDC, and AADC.
    45 Days Free - Enjoy up to 45 days of interest-free period on your purchases with this card.
    1% Cashback - 1% cashback on all other spends
    Free Dining - Enjoy complimentary Mastercard dining offers with the ADCB 365 Cashback Credit Card.
    View Full Details
    2
    ADCB

    ADCB Traveller Credit Card

    2 miles/AED 5 base | 4 miles/AED 5 on travel

    ADCB Traveller Credit Card

    Annual Fee

    AED 500

    Min Salary

    AED 15,000

    Type

    Miles

    Key Features:

    Priority Pass - Complimentary Priority Pass membership for unlimited airport lounge access worldwide.
    Travel Insurance - Complimentary travel insurance up to USD 500,000
    4 Miles per AED 5 - 4 Miles per AED 5 spent on airlines, hotels, travel agencies
    2 Miles per AED 5 - 2 Miles per AED 5 on all other spends
    Transfer Miles - Transfer miles to 10+ airline partners including Emirates and Etihad.
    2 Lounges/Year - Enjoy access to airport lounges with 2 complimentary visits per year.
    View Full Details
    3
    ADCB

    ADCB Essential Cashback Credit Card

    1% base | 7% booking.com, AED 70/month movies

    ADCB Essential Cashback Credit Card

    Annual Fee

    Free for Life

    Min Salary

    AED 5,000

    Type

    Cashback

    Key Features:

    Free for Life - Enjoy the convenience of a credit card with no annual fees for life.
    Up to 7% Cashback - Receive up to 7% cashback - book your next holiday on booking.com.
    AED 350 Bonus - Enjoy a welcome bonus of up to AED 350 when you apply for the ADCB Essential Cashback Credit Card. Offer valid until 31 December 2025.
    4 Lounge Visits - Enjoy 4 complimentary visits to 25+ airport lounges worldwide for you and your supplementary cardholders.
    Free Lounge Access - Complimentary airport lounge access.
    20% Off Talabat - 20% off Talabat food and grocery delivery (once a month).
    View Full Details
    4
    ADCB

    ADCB - TouchPoints Infinite Credit Card

    1.5 TouchPoints/AED | 15K bonus TouchPoints at AED 15,000/month

    ADCB - TouchPoints Infinite Credit Card

    Annual Fee

    AED 1050

    Min Salary

    AED 30,000

    Type

    Points

    Key Features:

    Unlimited Lounges - Unlimited complimentary airport lounge access at over 1,200 lounges worldwide for self plus 1 guest
    AED 1200 Expedia - Expedia.ae welcome voucher worth AED1,200 for 2 nights stay anywhere in the world
    15K TouchPoints Bonus - Receive 15,000 bonus TouchPoints when you spend AED15,000 each month
    Redeem TouchPoints - TouchPoints redeemable at thousands of merchants or exchange for Emirates Skywards Miles
    Trip Protection - Trip Cancellation coverage up to USD 7,500 covers cardholder spouse and up to 5 children
    Comprehensive Travel I - Comprehensive Multi-Trip Travel Insurance with Personal Accident up to USD 500,000 and Emergency Medical up to USD 1,000,000
    View Full Details
    5
    ADCB

    ADCB Talabat Credit Card

    1% base | 10% Talabat, 5% groceries

    ADCB Talabat Credit Card

    Annual Fee

    Free for Life

    Min Salary

    AED 8,000

    Type

    Cashback

    Key Features:

    No Annual Fee - This card comes with no annual fee, making it a cost-effective choice for users.
    10% Talabat - Get 10% back as Talabat credit on orders, capped at AED 100 per month.
    5% Grocery Cash - Get 5% cashback on all purchases made at grocery stores with this card.
    Talabat Deals - Enjoy exclusive promotions and deals with the ADCB Talabat Credit Card.
    1% Cashback - 1% cashback on all other purchases
    View Full Details

    Frequently Asked Questions

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    Explore More Card Categories

    Find the best credit cards for your needs:

    Cashback

    Travel

    Islamic

    No Fee

    Lounge

    Flexible

    Bonus

    Low APR

    Cards by Salary

    5K–10K

    10K–20K

    20K+

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