talabat ADCB Credit Card
35% back on talabat orders, free for life
at ADCB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
“For heavy talabat users this is close to free money: order ten times a month and the credit covers your next few dinners, with free delivery on top and no fee, ever. Just remember every reward lives and dies inside the talabat app — and expires after two years.”
Earning and spending talabat credit
The engine is simple: 35% back as talabat credit on your first 10 talabat orders each month — worth up to AED 35 per order and AED 350 a month — provided you put AED 2,500 of retail spend on the card that month at any merchants. Miss the threshold and talabat orders earn 1.25% instead. Everything else you buy earns up to 1.25% back as talabat credit.
Credit lands in your talabat Pay account in the first week of the following month, at a clean 1 credit = AED 1, and can be spent on any talabat order. It expires 2 years after it is credited, and non-eligible transactions (cash advances, balance transfers, insurance, charity, and bill payments beyond AED 3,500 a month) earn nothing.
Rates and fees
- Annual fee
- AED 0 — free for life, confirmed in ADCB's schedule of fees
- Welcome bonus
- Up to AED 750 as talabat credit — digital applications only, AED 5,000 spend in the first 45 days; not for card conversions
- 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
- AED 5,000 per month, or eligibility for an AED 3,500 credit limit
- Foreign transaction fee
- 2.99% margin on non-AED spends, plus a ~1.15% Mastercard processing fee
- Cash advance fee
- 3.15% of the amount (minimum AED 105)
- Late payment fee
- AED 241.50
- Overlimit fee
- AED 288.75
- Card network
- Mastercard (talabat ADCB Platinum)
Rates verified against ADCB's Schedule of Fees, Credit Cards Key Facts Statement and the talabat ADCB Credit Card terms and conditions (fees include 5% VAT) on August 21, 2026. Always confirm on adcb.com before applying.
Card benefits
35% back on talabat
Your first 10 talabat orders a month earn 35% back as talabat credit — up to AED 350 monthly — with AED 2,500 monthly card spend.
Up to AED 750 welcome bonus
Apply via the talabat app, adcb.com, ADCB Mobile Banking or Hayyak and spend AED 5,000 in 45 days.
Free talabat pro delivery
Unlimited free delivery on pro orders from AED 50 (food) or AED 100 (mart, groceries, pharmacy).
Personalised card designs
Choose from seven food-themed card designs to match your inner foodie.
Credit shield and card controls
Optional Credit Shield cover plus full card controls, wallets and 0% instalment plans through ADCB.
Pros and cons
- 35% back as talabat credit on the first 10 talabat orders a month
- No annual fee, ever
- Up to AED 750 welcome bonus for digital applications
- Unlimited free delivery on talabat pro orders (AED 50+ food, AED 100+ mart)
- Personalised card designs and 1 talabat credit = AED 1 — simple to value
- The 35% rate needs AED 2,500 of monthly retail spend; otherwise talabat orders earn just 1.25%
- Capped at AED 35 per order and AED 350 a month, on the first 10 orders only
- Rewards are talabat credit — only spendable on talabat, never cash
- talabat credit expires 2 years after it is credited
- 2.99% foreign-currency markup and a high 3.69% monthly interest rate
- Welcome bonus excludes existing ADCB cardholders converting their card
Is it right for you?
Get this card if
- You order from talabat several times a week and would use the free pro delivery.
- You already spend AED 2,500+ a month on a card and want it to subsidise your food delivery.
- You want a no-fee card whose rewards you'll actually redeem.
Consider skipping it if
- You order talabat only occasionally — the 35% engine idles without the AED 2,500 monthly spend.
- You want flexible rewards; talabat credit can never become cash, miles or statement credit.
- You spend a lot in foreign currency — the 2.99% markup has no offsetting travel perks here.
Alternatives to consider
ADCB's 365 Cashback pays 6% on all dining — not just talabat — as real cashback, with the first year free.
Best cashback cards →
The noon One card plays the same co-brand game for the noon ecosystem — noon, noon Food and noon Minutes.
Best online shopping cards →
The Essential Cashback earns on everything from AED 1,000 of monthly spend and adds 4 lounge visits — also free for life.
Best no-annual-fee 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
How does the 35% back on talabat orders work?+
You earn 35% back as talabat credit on your first 10 talabat orders each month, capped at AED 35 per order and AED 350 in total per month. To qualify, you need at least AED 2,500 of retail spend on the card in that calendar month (spend at any merchant counts).
What if I don't spend AED 2,500 in a month?+
You still earn on talabat — but at 1.25% back as talabat credit on your talabat orders for that month instead of 35%.
Does the talabat ADCB Credit Card have an annual fee?+
No — the card is free for life, with no annual fee ever. ADCB's schedule of fees confirms the annual membership fee is free.
How does the AED 750 welcome bonus work?+
Up to AED 750 in talabat credit is available for cards applied for via digital channels (talabat app, adcb.com, ADCB Mobile Banking app or Hayyak app), subject to spending AED 5,000 in the first 45 days. Existing ADCB cardholders who convert their card do not qualify.
When and where do I receive my talabat credit?+
talabat credit earned in a month is credited to your talabat Pay account in the first week of the following month. One talabat credit equals AED 1, and you can spend it on any talabat order.
Does talabat credit expire?+
Yes — talabat credit expires 2 years after the date it is credited to your talabat Pay account.
What is the minimum salary to apply?+
AED 5,000 per month, or eligibility for a credit limit of at least AED 3,500.
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.