talabat 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

No annual feeFree for life - no annual fee, ever. Schedule of Fees lists 'talabat ADCB Islamic Platinum Card: Free' across all three customer segments.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). The PayOrder Facility on this card is stated to carry a zero profit rate.

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

• 35% back as talabat credit on the first 10 talabat orders each calendar month, capped at AED 35 per order and AED 350 per month
• 1.25% back as talabat credit on other domestic and international retail purchases
• 0.35% back as talabat credit on domestic spends in fuel, education, government services, real estate, telecommunications, charity, transport, supermarkets, auto dealers and insurance
• 0.35% back as talabat credit on purchases at merchants in the United Kingdom and Europe (European Economic Area)
• Welcome bonus up to AED 750 as talabat credit (AED 200 for existing ADCB cardholders) on a minimum spend of AED 5,000 in the first 45 days, credited within 90 days

Other benefits

• Free talabat pro subscription: unlimited free delivery on talabat pro orders from AED 50 (food) and AED 100 (mart, grocery, pharmacy)
• 10% off 10 Bolt rides a month, capped at AED 15 per ride, Dubai only
• 4 complimentary visits a year to 25+ airport lounges worldwide via Mastercard Travel Pass, for cardholder and supplementary cardholders
• Buy 1 Get 1 free movie tickets at Reel Cinemas, up to 2 free tickets a month, until 31 December 2026
• 7 personalised card designs to choose from
• PayOrder Facility at a zero profit rate, repayable over up to 12 months

Before you apply

• The 35% rate collapses to 1.25% for the whole month if total card spend falls below AED 2,500.
• The 35% is capped at AED 35 per order and AED 350 a month - so it saturates at about AED 100 per order.
• talabat credit is a closed-loop currency, redeemable only against talabat orders.
• Lounge access requires an international transaction: after the first visit, a minimum spend of USD 1 or non-AED equivalent is needed for the next three months, otherwise a USD 32 charge applies.
• Welcome bonus is forfeited if you cancel and reapply, and is only available via digital application channels.

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 card limit of at least AED 3,500. Welcome bonus only for cards applied for through digital channels (talabat app, ADCB website, ADCB Mobile Banking App, Hayyak App).

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.

• “Free for life - no annual fee, ever - product page”
• “35% back on talabat orders will be rewarded as talabat credit and will be applicable only on the first ten orders every month. Each order is capped at AED35 and cumulative of AED350 per month. A minimum monthly retail spend of AED2,500 is required to be eligible to earn 35% back as talabat credit on talabat orders. If the minimum spend criteria is not met in any given month, 1.25% back as talabat credit will be applicable to all talabat orders for that particular month. - product page”
• “0.35% back as talabat credit on domestic retail purchases from categories such as fuel, education, government services, real estate, telecommunications, charity, transport, supermarkets, auto dealers, and insurance. - product page”
• “Enjoy 4 complimentary visits to at 25+ airport lounges worldwide for you and your supplementary cardholders. - product page”
• “You need to have a minimum salary of AED 5,000 or be eligible for a card limit of at least AED 3,500 - product page eligibility”
• “talabat ADCB Islamic Platinum Card: Free / Free / Free - ADCB Islamic Banking Schedule of Fees, Annual Membership Fee table”
• “PayOrder facility: Benefit from a zero profit rate and pay in easy instalments of up to 12 months. - product page”

• Product page
• Schedule of charges
• Terms and conditions