Shukran ADCB cashback rate, cap and annual fee
Shukran ADCB pays 10% at Shukran brand stores, and 7 other rates. The card costs AED 262.50 a year.
ADCB · United Arab Emirates · catalogue v101
Read from ADCB's own published terms on 19 Sep 2026.
AED 262.50Annual fee
10%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Shukran brand storessupermarkets | 10.00% | —Shukran brand stores only: Babyshop, Centrepoint, Emax, Homebox, Home Centre, Lifestyle, Max, Shoemart, Splash and Styli. Paid as Shukrans, which spen |
| everything else | 1.50% | —Everything else, in the UAE or abroad. Merchants in the EEA earn 0.5 instead. |
| groceries | 0.50% | —Supermarkets, with car dealers and insurance on the same reduced band. |
| fuel | 0.50% | —Fuel, on the reduced band with education, government, real estate, telecoms, charity and transport. |
| education | 0.50% | —Education, on the same reduced band. |
| government | 0.50% | —Government services, on the same reduced band. |
| rent and property | 0.50% | —Real estate, on the same reduced band. |
| phone and internet | 0.50% | —Telecoms, on the same reduced band. |
10% back at the Landmark shops — Babyshop, Centrepoint, Emax, Homebox, Home Centre, Lifestyle, Max, Shoemart, Splash and Styli — and that is a genuine 10%, not a points rate dressed up. What it is not is money: it pays in Shukrans, and Shukrans are spendable only in those same shops. Away from them the card pays 1.5%, and 0.5% on supermarkets, fuel, education, government, real estate, telecoms, charity, transport, car dealers and insurance, with the EEA also at 0.5%. Free forever for UAE nationals, free for the first year for residents, AED 262.50 including VAT afterwards. The welcome bonus is AED 1,200 for nationals and AED 1,000 for residents on AED 8,000 of spending in 60 days, but AED 200 if you already hold an ADCB card. Source: adcb.com Shukran ADCB page, read 19 Sep 2026.
Questions people ask
What cashback does the Shukran ADCB pay?
10% at Shukran brand stores, and 7 other rates.
Is there a cap on the Shukran ADCB?
No monthly cap is published on the rates shown here.
What is the annual fee on the Shukran ADCB?
AED 262.50 a year.
Knowing the rate is not the same as remembering it
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