ADCB Islamic 365 Cashback: fee, salary and welcome bonus

Our take

The Islamic version of ADCB 365: 6% on dining, 5% on fuel and Salik, 3% on groceries.

Everyday spenders on AED 5,000+ a month who want a covered card.

Rates need AED 5,000 monthly spend; cashback capped at AED 1,000 a month.

Written by the MoneyVS team from ADCB's published terms. Not personal advice.

Minimum salary	AED 5,000 a monthOr eligible for a credit limit of at least AED 3,000
Welcome bonus	AED 365 cashbackSpend AED 5,000 within 45 days (about AED 3,334 a month)
Top earn rates need	AED 5,000 a monthNo cashback in months you spend under AED 5,000
Reward cap	Max AED 1,000 cashback a month

Taken from ADCB's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.

Many benefits need a minimum monthly spend or app registration. Check the bank's terms.

What salary do I need for the ADCB Islamic 365 Cashback?

ADCB asks for a minimum monthly salary of AED 5,000. Or eligible for a credit limit of at least AED 3,000.

Does the ADCB Islamic 365 Cashback have an annual fee?

Yes, AED 383.25, free in the first year.

How do I get the ADCB Islamic 365 Cashback welcome bonus?

AED 365 cashback: spend AED 5,000 within 45 days.

Is there a minimum monthly spend?

Yes. No cashback in months you spend under AED 5,000.

Is the ADCB Islamic 365 Cashback Islamic?

Yes. It is a Shariah-compliant (covered) card.