ADCB 365 Cashback: fee, salary and welcome bonus

Our take

6% on dining, 5% on fuel, Salik and subscriptions, and 3% on groceries, with AED 365 welcome cashback.

People who spend AED 5,000+ a month and eat out or drive a lot.

The headline rates need AED 5,000 monthly spend; the fee applies from year two.

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 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 365 Cashback have an annual fee?

Yes, AED 383.25, free in the first year.

How do I get the ADCB 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.