365 Cashback Credit Card
Earn an 365 welcome bonus as cashback
at ADCB's secure site
Terms & conditions apply. See rates & fees.
Cashback rate
“The 6% dining and 5% fuel rates are among the best in the UAE, and the first year costs you nothing. Just be honest about your spending: below 5,000 a month this card pays exactly zero, and that floor resets every calendar month.”
Earning cashback on the 365 Cashback Card
The card pays tiered cashback by category: 6% on dining (including online food orders), 5% on fuel and Salik, 5% on home digital entertainment subscriptions like Netflix and Disney+, 5% on AI subscriptions like ChatGPT and Copilot, and 3% on groceries. Everything else earns 1%, with select categories and EU spends dropping to 0.5%.
Two numbers rule this card: 5,000 and 1,000. You need at least 5,000 of retail spend in a calendar month (primary plus supplementary cards combined) to earn anything at all, and total cashback is capped at 1,000 a month. The 365 welcome bonus needs 5,000 of spend within 45 days of issuance and lands as cashback within 90 days.
Rates and fees
- Annual fee
- 0 first year, then 383.25 (incl. VAT) from year two
- Welcome bonus
- 365 as cashback after 5,000 spend within 45 days of issuance
- Interest rate
- 3.69% per month (44.28% APR) on unpaid balances
- Interest-free period
- 25 to 55 days when the full balance is paid by the due date
- Minimum salary
- 5,000 per month, or eligibility for an 3,000 credit limit
- Foreign transaction fee
- 2.99% margin on non- spends, plus a ~1.15% Visa processing fee
- Cash advance fee
- 3.15% of the amount (minimum 105)
- Late payment fee
- 241.50
- Overlimit fee
- 288.75
- Supplementary cards
- Free; their spend counts towards the 5,000 monthly minimum
Rates verified against ADCB's Schedule of Fees and Credit Cards Key Facts Statement (fees include 5% VAT) on August 21, 2026. Always confirm on adcb.com before applying.
Card benefits
Category cashback up to 6%
6% on dining, 5% on fuel, Salik and digital subscriptions, 3% on groceries — up to 1,000 back a month.
365 welcome bonus
Spend 5,000 in your first 45 days and 365 is credited as cashback within 90 days of issuance.
Credit shield and card controls
Optional Credit Shield cover on the outstanding balance, plus full card controls in the ADCB app.
Digital wallets and 0% plans
Apple Pay, Google Pay and Samsung Pay support, 0% instalment plans at partner merchants and school-fee payment plans.
Pros and cons
- Strong category rates: 6% dining, 5% fuel/Salik and digital subscriptions, 3% groceries
- 365 welcome bonus with a modest 5,000 / 45-day spend requirement
- First-year annual fee waived ( 383.25 value)
- Low 5,000 minimum salary requirement
- Rare 5% category for streaming and AI subscriptions
- No cashback at all in months you spend under 5,000
- Cashback capped at 1,000 a month
- Select categories and EU spends earn only 0.5%
- 383.25 annual fee from year two
- 2.99% foreign-currency markup plus a ~1.15% scheme fee on non- spends
Is it right for you?
Get this card if
- You reliably spend 5,000+ a month on your card, especially on dining, fuel and groceries.
- You pay for streaming or AI subscriptions and want 5% back on them.
- You want a cashback card that is free to try in year one.
Consider skipping it if
- Your monthly card spend often dips below 5,000 — you would earn nothing those months.
- You spend heavily abroad; the 2.99% fx markup outweighs the cashback.
- You carry a balance — 3.69% a month erases any cashback value.
Alternatives to consider
ADCB's Essential Cashback needs only 1,000 of monthly spend to earn, has no annual fee at all, and adds 4 lounge visits a year.
Best no-annual-fee cards →
The talabat ADCB card pays 35% back on your first 10 talabat orders a month as talabat credit, with no annual fee ever.
Best dining & delivery cards →
A LuLu co-brand card concentrates rewards where grocery-heavy households actually spend, instead of a 3% category rate.
Best grocery cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What is the minimum salary for the ADCB 365 Cashback Card?+
You need a minimum monthly salary of AED 5,000, or to be eligible for a credit limit of at least AED 3,000.
Does the 365 Cashback Card have an annual fee?+
The first year is free. From the second year an annual fee of AED 383.25 (including VAT) applies to the primary card.
How much do I need to spend to earn cashback?+
A minimum retail spend of AED 5,000 per calendar month is required to earn any cashback. Spending by the primary and supplementary cardholders counts towards the minimum.
Is there a limit on cashback?+
Yes — you can earn a maximum of AED 1,000 cashback per month.
How does the AED 365 welcome bonus work?+
Spend AED 5,000 within 45 days of card issuance and the AED 365 bonus is credited as cashback within 90 days of issuance.
Which subscriptions earn 5% cashback?+
Home digital entertainment subscriptions such as Netflix, Amazon Prime and Disney+, and AI-powered subscriptions such as ChatGPT, Microsoft Copilot and Google Gemini.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.