Shukran ADCB 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 (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.

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 262.50No annual fee ever for UAE National customers. Free for the first year for all UAE Residents.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).

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. Platinum-tier indemnity: AED 75,000 natural death / TPD and top-up life cover.

What you get back

• 10% back as Shukrans on purchases at Shukran participating brands: Babyshop, Centrepoint, Emax, Homebox, Homecentre, Lifestyle, Max, Shoemart, Splash, Styli
• 1.5% back as Shukrans on retail purchases made within or outside the UAE
• 0.5% back as Shukrans on UAE merchants in fuel, education, government services, real estate, telecommunications, charity, transport, supermarkets, auto dealer and insurance categories
• 0.5% back as Shukrans on all retail purchases at merchants based in Europe (European Economic Area)
• Welcome bonus: AED 1,200 for UAE nationals without an existing ADCB card, AED 1,000 for UAE residents without one, AED 200 for existing ADCB cardholders - on a minimum spend of AED 8,000 within the first 60 days

Other benefits

• Complimentary fast-track upgrade to Shukran Platinum Tier membership on card issuance (300+ buy-one-get-one deals, free shipping on online orders, extra Shukrans)
• Buy 1 Get 1 free movie tickets at Reel Cinemas, up to 2 free tickets a month, until 31 December 2026
• 20% discount on food and beverages at the Reel Cinemas counter on a minimum spend of AED 20
• Takaful Credit Shield with complimentary life cover
• School fees convertible to a 0% Profit Payment Plan; FlexiPay; balance transfer; PayOrder Facility

Before you apply

• Shukrans are a closed-loop currency - redeemable only at Shukran brand stores in the UAE, not as open cash.
• Everyday categories (fuel, supermarkets, education, government, telecom, transport) earn only 0.5%.
• European spend is penalised at 0.5% versus 1.5% elsewhere internationally.
• The annual fee returns in year two for expatriate residents; UAE nationals never pay it.

Can you get it?

Minimum income

AED 5,000 a monthsource

Age

18 and over

Other conditions

At least 18 years old; minimum salary AED 5,000 OR eligible for a credit limit of at least AED 3,000.

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.

• “No annual fee ever for UAE National customers. No annual fee will be charged for the first year for all UAE Residents. An annual fee of AED 250 + VAT is applicable from the second year onwards. - product page”
• “10% back as Shukrans is applicable on purchases made at Shukran participating brands: Babyshop, Centrepoint, Emax, Homebox, Homecentre, Lifestyle, Max, Shoemart, Splash and Styli. - product page”
• “1.5% back as Shukrans on retail purchases made within or outside the UAE. - product page”
• “0.5% back as Shukrans on retail purchases made at UAE based merchants belonging to fuel, education, government services, real estate, telecommunications, charity, transport, supermarkets, auto dealer and insurance categories. - product page”
• “New ADCB Islamic Credit Card customers who are UAE nationals will be rewarded a welcome bonus of AED 1,200 and UAE residents will receive a welcome bonus of AED 1,000. Existing ADCB credit cardholders will be entitled to a welcome bonus of AED 200. - product page”
• “You need to have a minimum salary of AED5,000 or be eligible for a credit limit of at least AED3,000 - product page eligibility”
• “Shukran ADCB Islamic Platinum Card (free for the first year): AED 262.50 / AED 262.50 (Free for Emirati) / AED 262.50 (Free for Emirati Excellency) - Schedule of Fees”

• Product page
• Schedule of charges
• Terms and conditions