ADCB 365 vs ADIB Cashback Visa
Our Pick
ADIB Cashback Visa
Best All-Round Cashback — You want 4% across fuel, dining, groceries, education, and utilities
ADCB
ADCB 365
Best grocery cashback in UAE
Abu Dhabi Islamic Bank
ADIB Cashback Visa
Islamic + 4% across 6 categories
Two of the UAE's most popular cashback cards represent different philosophies: ADCB 365 concentrates firepower on groceries (5%) and utilities (3%), while ADIB Cashback Visa spreads a consistent 4% across six everyday categories. One is conventional and free; the other is Islamic with a nominal AED 99 fee. Which approach saves more for your spending pattern?
Quick Comparison
| Feature | ADCB 365 | ADIB Cashback Visa |
|---|---|---|
| Annual Fee | AED 0 (Free for Life) | AED 99 |
| Min. Salary | AED 10,000 | No minimum |
| Rewards Rate | 5% groceries, 3% utilities, 1% everything | 4% on groceries, fuel, dining, education, utilities |
Detailed Breakdown
Grocery Cashback
ADCB 365
5% (capped at AED 200/month)
ADIB Cashback Visa
4% (capped at AED 300/month)
ADCB wins on rate; ADIB wins on cap—AED 300 allows more earning
Fuel Cashback
ADCB 365
1% (base rate)
ADIB Cashback Visa
4% (capped at AED 300/month)
ADIB earns 4x more on fuel—major win for drivers
Dining Cashback
ADCB 365
1% (base rate)
ADIB Cashback Visa
4% (capped at AED 200/month)
ADIB offers 4% vs 1% on restaurants—huge gap
Utility Bill Cashback
ADCB 365
3% (DEWA, Etisalat, du, SEWA, etc.)
ADIB Cashback Visa
4% (capped at AED 100/month)
ADIB edges ahead on rate but has a lower cap
Education/School Fees
ADCB 365
1% (base rate)
ADIB Cashback Visa
4% (capped at AED 300/month)
ADIB saves 4x more on school fees—significant for parents
Annual Fee
ADCB 365
AED 0 (Free for Life)
ADIB Cashback Visa
AED 99/year
ADCB is free; ADIB's AED 99 is easily offset by higher cashback
Minimum Salary
ADCB 365
AED 10,000
ADIB Cashback Visa
No minimum salary
ADIB accessible to everyone; ADCB requires AED 10K
Monthly Cashback Cap
ADCB 365
~AED 200 on groceries
ADIB Cashback Visa
AED 1,000 total across all categories
ADIB allows up to AED 1,000/month—much higher ceiling
Shariah Compliance
ADCB 365
No (conventional)
ADIB Cashback Visa
Yes (fully Shariah compliant)
ADIB is the clear choice for Islamic banking preference
Supplementary Cards
ADCB 365
Available (fees apply)
ADIB Cashback Visa
4 free supplementary cards
ADIB includes 4 free family cards
Non-Category Spending
ADCB 365
1% on everything else
ADIB Cashback Visa
No cashback outside categories
ADCB's 1% base rate catches miscellaneous spend
The Verdict
ADCB 365 wins for pure grocery savings with 5% vs 4%, and is free for life. ADIB Cashback Visa wins for versatility—4% across six categories (groceries, fuel, dining, education, utilities, automobile) with Shariah compliance and no minimum salary. If groceries dominate your spend, ADCB. If you want broad 4% coverage and Islamic banking, ADIB is the better all-rounder.
Who Should Choose Which?
Choose ADCB 365 if:
- Groceries are your largest spending category
- You want zero annual fees with no conditions
- You prefer a simple flat 1% on miscellaneous purchases
- You already bank with ADCB or have Abu Dhabi visa
- You don't need Islamic banking
Choose ADIB Cashback Visa if:
- You want 4% across fuel, dining, groceries, education, and utilities
- You require Shariah-compliant banking
- You spend heavily on fuel (AED 1,000+/month)
- You pay school fees and want 4% back
- Your salary is below AED 10,000 (no minimum for ADIB)
- You want 4 free supplementary cards for family
Eligibility Note
ADCB 365 requires Abu Dhabi-issued visa and AED 10,000 minimum salary. ADIB Cashback Visa has no minimum salary requirement, making it one of the most accessible cashback cards in the UAE. Dubai residents cannot apply for ADCB 365.
Frequently Asked Questions
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