PayperWIZ

ADCB Emirati Islamic cashback rate, cap and annual fee

ADCB Emirati Islamic pays 50% at online cinema tickets, and 6 other rates. Nothing at all below AED 7,000 of spending a month — AED 84,000 across a year. The card costs AED 945 a year.

ADCB Islamic · United Arab Emirates · catalogue v101

Read from ADCB Islamic's own published terms on 19 Sep 2026.

AED 945Annual fee
AED 7,000Minimum monthly spend
AED 1,500Cap across the whole card
50%Best rate

What it pays, by category

SpendingRateMonthly cap
online cinema ticketsentertainment50.00%—Cinema tickets bought online. Inside the same shared ceiling.
travel7.00%—Airline tickets and hotel bookings, in dirhams. Booked in another currency it pays 1%. Inside the AED 1,500 monthly ceiling shared across the whole ca
dining7.00%—Restaurants, including online food orders. Inside the same shared ceiling.
fuel7.00%—Fuel. Inside the same shared ceiling.
jewellerysupermarkets7.00%—Jewellery. Inside the same shared ceiling.
spas, salons and gymspharmacy7.00%—Spas, salons, health clubs and gyms. Inside the same shared ceiling.
everything else1.00%—Everything else domestic, and all international spending including the seven bonus categories.
7% across seven categories — airline tickets, hotels, fuel, dining including online orders, jewellery, spas and salons, and gyms — plus 50% back on cinema tickets bought online. Two conditions decide whether any of it happens, and neither is in the headline. Nothing is earned at all in a calendar month you spend under AED 7,000, and the whole card is capped at AED 1,500 of cashback a month, which the 7% reaches at about AED 21,400 of qualifying spending. International spending earns 1% even in the seven categories, so a hotel booked abroad pays a seventh of what the same hotel pays in dirhams. Everything else domestic is 1%. UAE nationals only. Year one free; AED 945 including VAT from the second year. Source: adcb.com Emirati Islamic page, read 19 Sep 2026.

Questions people ask

What cashback does the ADCB Emirati Islamic pay?

50% at online cinema tickets, and 6 other rates.

Is there a cap on the ADCB Emirati Islamic?

Yes — AED 1,500 a month across the whole card, however you split your spending.

What is the annual fee on the ADCB Emirati Islamic?

AED 945 a year.

Is there a minimum spend on the ADCB Emirati Islamic?

Yes — AED 7,000 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.

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