Shukran ADCB Credit Card
Earn up to 1,200 in Shukrans as a welcome bonus
at ADCB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
This is the card for households that live at Landmark stores. Ten percent back at Centrepoint, Max and Home Centre is unmatched in the UAE — just understand you are being paid in Shukrans, not cash, and that everyday spend outside those brands earns very little.
Earning and redeeming Shukrans
The card earns 10% back as Shukrans at the ten Shukran participating brands — Babyshop, Centrepoint, Emax, Homebox, Home Centre, Lifestyle, Max, Shoemart, Splash and Styli. Everything else earns 1.5%, except a long list of reduced categories — supermarkets, fuel, education, government services, real estate, telecom, charity, transport, auto dealers and insurance in the UAE, plus any merchant based in the European Economic Area — which earn just 0.5%.
Shukrans post to your Landmark Shukran membership account in the first week of the following month, and you spend them like cash at any Shukran brand in the UAE, in store or online. The card also fast-tracks you to Shukran Platinum Tier, which adds 300+ buy-one-get-one deals, free shipping and bonus earn on top.
The welcome bonus is worth up to 1,200 in Shukrans — 1,200 for new-to-ADCB UAE nationals, 1,000 for new residents, 200 for existing ADCB cardholders — after 8,000 of spend in the first 60 days.
Rates and fees
- Annual fee
- 0 in year one, then 262.50 (incl. VAT). Always free for UAE nationals.
- Interest rate
- 3.69% per month (44.28% APR) on purchases and cash advances.
- Foreign transaction fee
- 2.99% on non- transactions, plus the card scheme's ~1.15% processing fee.
- Cash advance fee
- 3.15% of the amount, minimum 105.
- Late payment fee
- 241.50 if the minimum payment is missed.
- Over-limit fee
- 288.75.
- Minimum payment
- 5% of the balance or 100, whichever is higher; payment due 25 days from statement.
Rates from ADCB's Schedule of Fees (Ver.46, effective 1 January 2026) and Credit Cards Key Facts Statement; all fees include 5% VAT. Verify against the bank's latest schedule before applying.
Card benefits
Up to 1,200 welcome bonus
New ADCB customers earn 1,000–1,200 in Shukrans ( 200 for existing cardholders) after 8,000 spend in the first 60 days.
10% back at Landmark brands
Babyshop, Centrepoint, Emax, Homebox, Home Centre, Lifestyle, Max, Shoemart, Splash and Styli all earn 10% back as Shukrans.
Shukran Platinum Tier
Automatic fast-track upgrade within 3 working days — 300+ BOGO deals, free shipping on online orders and extra Shukrans on purchases.
2-for-1 at Reel Cinemas
Buy one ticket, get one free (up to 2 free tickets a month until 31 December 2026), plus 20% off counter F&B on 20+ spend.
Credit shield life cover
Complimentary life cover on the card; the optional Credit Shield balance protection costs 1.0395% of the outstanding per cycle.
Pros and cons
- 10% back at Babyshop, Centrepoint, Home Centre, Max and six more Landmark brands
- Up to 1,200 welcome bonus in Shukrans ( 8,000 spend in 60 days)
- First year free; no annual fee ever for UAE nationals
- Complimentary fast-track upgrade to Shukran Platinum Tier
- 2-for-1 Reel Cinemas tickets, up to 2 free per month
- Accessible 5,000 minimum salary
- Rewards are store credit — Shukrans only spend at Landmark brands, never as cash
- Supermarkets, fuel, education, telecom and other daily categories earn just 0.5%
- 2.99% foreign-currency fee, and even European (EEA) spend earns only 0.5%
- 262.50 annual fee from year two for expat residents
- No lounge access or travel perks
- 3.69% monthly interest if you carry a balance
Is it right for you?
Get this card if
- Your household regularly shops at Centrepoint, Max, Home Centre, Babyshop or other Landmark brands
- You want a welcome bonus worth up to 1,200 for 8,000 of spend
- You earn 5,000+ and want a free-first-year card (free forever if you are a UAE national)
Consider skipping it if
- You want rewards you can spend anywhere — Shukrans only work at Landmark stores
- Most of your budget goes to supermarkets, fuel and utilities, which earn just 0.5%
- You spend a lot abroad — the 2.99% foreign-currency fee and 0.5% EEA earn rate punish travel
Alternatives to consider
ADCB's LuLu Platinum earns 8% back in LuLu Points on all LuLu shopping, is free for life and adds lounge access.
Best grocery credit cards →
ADCB's 365 Cashback card pays real cashback you can use anywhere instead of store credit locked to Landmark brands.
Best cashback cards →
Emirates NBD's noon One card rewards noon, noon Minutes and NowNow orders — better fit if your retail spend is digital.
Best online shopping 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
Is the Shukran ADCB Credit Card free?+
The first year is free for all UAE residents, and UAE nationals pay no annual fee ever. From year two, residents pay AED 250 + VAT (AED 262.50).
What is the minimum salary for the Shukran ADCB Credit Card?+
AED 5,000 per month, or eligibility for a credit limit of at least AED 3,000. You must be at least 18 years old.
Which brands earn 10% back?+
Purchases at Shukran participating brands: Babyshop, Centrepoint, Emax, Homebox, Home Centre, Lifestyle, Max, Shoemart, Splash and Styli.
How does the welcome bonus work?+
New-to-ADCB UAE nationals get AED 1,200 in Shukrans, new-to-ADCB residents get AED 1,000, and existing ADCB cardholders get AED 200 — after spending AED 8,000 within 60 days of card issuance (retail purchases, balance transfer or credit card loan count). The bonus is credited to your Shukran account within 120 days.
What do purchases outside Landmark brands earn?+
1.5% back as Shukrans on most retail purchases in the UAE and abroad. A reduced 0.5% applies to UAE supermarkets, fuel, education, government services, real estate, telecom, charity, transport, auto dealers and insurance, and to merchants based in the European Economic Area.
How do I redeem Shukrans?+
At any participating Shukran brand in the UAE, in store or online. Shukrans earned in a month are credited to your Shukran membership account in the first week of the following month.
Does the card include cinema benefits?+
Yes — buy one, get one free at Reel Cinemas (up to 2 free tickets a month, until 31 December 2026) plus 20% off food and beverages at the counter on a minimum AED 20 spend.
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.