ADCB Emirati Islamic Card

What makes this card Islamic

ADCB Islamic Banking builds this card on a Murabahah contract. The bank buys the thing you want, then sells it to you at a stated cost plus a stated profit, payable later.

Commodity Murabaha + Wakala Investment Account, per the ADCB Islamic Banking Credit Cards Key Facts Statement. Explicit profit-free period of 20-25 days from transaction date when the Total Amount Due is settled in full by the due date. Late payment is a Donation Commitment given to charity approved by the Sharia Board after deducting actual collection cost (excluding cost of funds, opportunity loss or any payment in the nature of interest).

Approved by ADCB Internal Shari'ah Supervision Committee (ISSC), under the supervision of Central Bank of the UAE.

What it costs

Every figure below comes from ADCB Islamic Banking’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

AED 945Free for the first year.source

Supplementary card

AED 0Supplementary Card: Free across all segments (Schedule of Fees).source

Profit rate

3.69% a month on the outstanding balance44.28% a year as stated by the banksource

Cash withdrawal

3.15% or AED 105 (whichever is higher). Cash withdrawal limit 60% of available credit limit.

Late payment

AED 241.50

Foreign currency spend

2.99% on top of the exchange rate

Replacement card

AED 78.75

Takaful cover

Islamic Credit Shield (Takaful), optional: 0.9345% of total outstanding balance per month. First two months free. Infinite-tier indemnity: AED 200,000 natural death / TPD, AED 200,000 accidental death / TPD, AED 200,000 critical illness, AED 200,000 top-up life cover.

What you get back

• 7% cashback on airline ticket spends
• 7% cashback on hotel spends
• 7% cashback on fuel
• 7% cashback on dining including online food orders
• 7% cashback on jewellery purchases
• 7% cashback on spas and salons
• 7% cashback on health clubs and gyms
• 50% cashback on movie tickets purchased online
• 1% cashback on all international retail purchases including the seven categories
• 1% cashback on all other domestic retail purchases

Other benefits

• Unlimited complimentary access to 1,000+ airport lounges worldwide for the cardholder plus 1 guest per visit, for both primary and supplementary cardholders (Visa Airport Companion)
• Comprehensive travel insurance covering cardholder, spouse and up to 5 children, age limit 75
• Visa Infinite 24-hour global concierge
• Up to 35% off Avis worldwide with Avis President's Club enrolment
• 10% off at Bicester Village Shopping Collection
• Unlimited Buy 1 Get 1 free at Caribou Coffee in the UAE
• Visa 'experience with the ENTERTAINER' 2-for-1 offers

Before you apply

• UAE Nationals only - expatriates cannot apply.
• No cashback at all in any month where combined retail spend is under AED 7,000.
• International spend in the seven bonus categories drops to 1%, not 7%.
• The AED 1,500 monthly cap binds at roughly AED 21,400 of category spend.
• Lounge guests beyond the entitlement are charged USD 32 per visit.

Can you get it?

Minimum income

AED 8,000 a monthsource

Age

18 and over

Other conditions

UAE Nationals only. At least 18 years old; minimum salary AED 8,000 OR eligible for a card limit of at least AED 15,000. A minimum retail spend of AED 7,000 per calendar month (primary plus supplementary combined) is required to earn cashback.

Where these figures come from

Last checked against ADCB Islamic Banking’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “To be eligible for the cashback rewards, you are required to make a minimum purchase of AED 7,000 or more within a calendar month. You can earn a maximum monthly cashback of AED 1,500 on your card. - product page”
• “An annual fee of AED 945 (including VAT) will be applicable on the primary credit card from the second year onwards. - product page”
• “Tailored exclusively for UAE Nationals, the ADCB Emirati Islamic Credit Card offers 7% cashback across dining, fuel, hotels, travel, fitness, spas and jewellery. This Shari'ah-compliant card offers no annual fee for the first year - product page”
• “Unlimited access at over 1,000 airport lounges worldwide for self plus 1 guest per visit*. - product page”
• “You need to have a minimum salary of AED 8,000 or be eligible for a card limit of at least AED 15,000 - product page eligibility”
• “Emirati Infinite Card (free for the first year): AED 945 / AED 945 / AED 945 - ADCB Islamic Banking Schedule of Fees, Annual Membership Fee table”

• Product page
• Schedule of charges
• Terms and conditions