ADCB Emirati Islamic: fee, salary and welcome bonus

Our take

7% cashback on flights, hotels, fuel, dining and more for UAE nationals.

Emirati customers spending AED 7,000+ a month.

Headline rate needs AED 7,000 monthly spend; fee from year two.

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

Minimum salary	AED 8,000 a month
Who can apply	UAE nationals only
Top earn rates need	AED 7,000 a monthNo cashback in months you spend under AED 7,000
Reward cap	Max AED 1,500 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 Emirati Islamic?

ADCB asks for a minimum monthly salary of AED 8,000.

Does the ADCB Emirati Islamic have an annual fee?

Yes, AED 945, free in the first year.

Is there a minimum monthly spend?

Yes. No cashback in months you spend under AED 7,000.

Who can apply for the ADCB Emirati Islamic?

UAE nationals only.

Is the ADCB Emirati Islamic Islamic?

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