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ADCB Cash Back Credit Card Benefits 2025

ByHalla HassanUpdated5 February 2025 - 10:28am

The credit cards launched by Abu Dhabi Commercial Bank, including Cash Back Credit, contribute to providing various services and great discounts to customers in different fields, in addition to other benefits related to cashback, rewards, and others.

ADCB Cash Back Credit Card Benefits

You can find the benefits of ADCB Cash Back Credit Card through the following points: ^[1]

Benefits	Description
Welcome Bonus	ADCB Cash Back Credit Cardholders will receive a welcome bonus of 365 AED upon spending a minimum of 5,000 AED within 45 days from the date of card issuance.
Cashback Bonus	The cardholder will receive a maximum cashback of 1,000 AED per month upon spending a minimum of 5,000 AED per month, with the cashback percentages as follows: 3% Cashback On utilities, telecom, fuel and salik. 6% Cashback On dining including online orders. 5% Cashback On groceries. 1% Cashback On all other retail spends.
Annual fees	Annual fee waiver for the first year, while an annual fee of 383.25 AED will be charged from the second year.
VOX Cinema Ticket	When ADCB Cash Back Credit Cardholders purchase a ticket at VOX Cinemas in the UAE, they will receive the second ticket for free.
Hotel bookings	Get up to 12% discount at over 985,000 hotels and furnished apartments worldwide with Agoda Visa.
Digital wallet	This card acts as a digital wallet that enables its holder to control his payment system in a comfortable and more secure way.
Credit Shield	The cardholder gets free life insurance.
Full control over card settings	The cardholder can freely control all transactions related to the card.
School Fee Payment	The cardholder gets installments for school fees without paying any interest.
Flexible Payment	ADCB Cash Back Credit Card allows the payment of due payments on the credit card to work in installments.
Balance Transfer Service	This card provides the ability to transfer the balance due on credit cards to the customer’s ADCB Cash Back Credit Card.
Loan Service	The cardholder can obtain an easy installment plan for loans for a maximum period of 12 months without paying any interest or additional fees.

ADCB Cash Back Credit Card Fees

The fees and charges applicable to ADCB Cash Back Credit Card are as follows:

category	Fees
Annual Membership Charges	383.25 AED per annum from the 2nd year.
Overlimit Charge	288.75 AED.
Foreign Currency Transaction Limit	2.99%.
Paper Statement Charges	5.25 per month.
Foreclosure Charges (for Balance Transfer or Credit Card Loan or Instalment Plans)	210 AED.
Charges for Minimum Payment Due	5% or 100 AED.
Finance Fees (for Retail Purchase)	3.69% per month.
Late Payment Charges	241.5 AED (if the minimum amount due is not paid by the due date).
Foreign Transaction Charges (in AED currency)	2.1%
Charges for the Returned Cheques	157.5 AED.
Processing Charges for 0% Payment Plans for Select Merchants and Credit Card Loans	52.5 AED.
Cash Advance Limit	52.50 AED.
Payment Due Date	25 days.
Fee for Increasing Temporary Credit Limit	52.5 AED.
Charges for Duplicate Statement	26.25 AED.
Credit Shield Charges	1.0395%.
Finance Fees (for Balance Transfer or Credit Card Loan or Instalment Plans)	Up to 3.69% per month.
Charge for Liability or No Liability Letter	52.5 AED.
Charges for Credit Card Replacement	78.75 AED.
Charges for a Copy of Sales Voucher	26.25 AED.
Exchange House Payment Charge	5.25 AED per transaction
Cash Advance Charge	3.15% or 105 AED.
Finance Fees (for Cash Advance)	3.69% per month.

Conclusion

The benefits and advantages of the credit cards provided by First Abu Dhabi Bank contribute to supporting customers’ activities and transactions in various aspects such as entertainment, marketing, financial transfers, and others, through a convenient and fast mechanism based on the digital system.