ADCB Essential Cashback: fee, salary and welcome bonus

Annual fee: Free for life
Minimum monthly salary: AED 5,000
Welcome bonus: Up to AED 250 (Apply through select ADCB digital channels (see bank terms)).

Our take

Flat cashback on everything: 1.25% in months you spend AED 5,000+, 1% otherwise, free for life.

People who want simple cashback with no categories to track.

No cashback in months under AED 1,000; 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	Up to AED 250Apply through select ADCB digital channels (see bank terms)
Top earn rates need	AED 1,000 a monthNo cashback in months you spend under AED 1,000
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 Essential 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 Essential Cashback have an annual fee?

No. The bank says it is free for life.

How do I get the ADCB Essential Cashback welcome bonus?

Up to AED 250: apply through select ADCB digital channels (see bank terms).

Is there a minimum monthly spend?

Yes. No cashback in months you spend under AED 1,000.