MoneyVS

Mashreq Cashback vs ADCB 365 Cashback

Two cashback cards compared on the things that decide which one pays you back.

Mashreq Mashreq Cashback Credit Card
MashreqMashreq Cashback Credit Card
ADCB 365 Cashback Credit Card
ADCB365 Cashback Credit Card

Key differences

  • Mashreq Cashback is cheaper to keep: Free for life a year against AED 383.25 from yr 2.
  • Mashreq Cashback headline: 5% on dining in the UAE and abroad. ADCB 365 Cashback headline: 6% on dining, including online orders.
  • Welcome bonus spend: Mashreq Cashback: AED 5k in 60 days; ADCB 365 Cashback: AED 5k in 45 days.
  • Minimum monthly spend for top rates: Mashreq Cashback: none; ADCB 365 Cashback: AED 5,000.

Which should you choose?

Choose Mashreq Cashback if

People earning AED 5,000+ who eat out or order in a lot.

Watch out: Only 0.15% on government, utilities, education, fuel, rent and telecom.

Choose ADCB 365 Cashback if

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

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

Side by side

Mashreq CashbackADCB 365 Cashback
BankMashreqADCB
Annual feeFree for lifeFree for life, including supplementary cardsAED 383.25 from yr 2First year free, then AED 383.25 incl. VAT
Fee waiverNot neededNone
Minimum salaryAED 5,000AED 5,000
Who can applyAnyone who meets the salaryAnyone who meets the salary
Welcome bonus
  • AED 500 (AED 100 if you already have a Mashreq card)Spend AED 5,000 within 60 days
  • AED 365 cashbackSpend AED 5,000 within 45 days
Top rates needNo minimumAED 5,000 a month
Reward capNone statedMax AED 1,000 cashback a month
What you earn
  • 5% on dining in the UAE and abroad
  • 1% on other international spend
  • Up to 1% on local spend
  • 0.15% on government, utilities, education, fuel, rent and telecom
  • No minimum spend
  • 6% on dining, including online orders
  • 5% on fuel and Salik
  • 5% on streaming and AI subscriptions
  • 3% on groceries
  • 1% on other spend
BenefitsCinema offersCinema offers
IslamicNoNo
View on Mashreq siteView on ADCB site

Both cards checked against the banks' own pages on 21 Oct 2026. Information only, not financial advice.

Questions people ask

What's the difference between Mashreq Cashback and ADCB 365 Cashback?

Mashreq Cashback is cheaper to keep: Free for life a year against AED 383.25 from yr 2. Mashreq Cashback headline: 5% on dining in the UAE and abroad. ADCB 365 Cashback headline: 6% on dining, including online orders. Welcome bonus spend: Mashreq Cashback: AED 5k in 60 days; ADCB 365 Cashback: AED 5k in 45 days. Minimum monthly spend for top rates: Mashreq Cashback: none; ADCB 365 Cashback: AED 5,000.

Which has the lower annual fee, Mashreq Cashback or ADCB 365 Cashback?

Mashreq Cashback (Free for life). ADCB 365 Cashback costs AED 383.25 from yr 2.