ADIB Cashback cashback rate, cap and annual fee
ADIB Cashback pays 4% on groceries — on the first AED 7,500 you spend on it each month, which is where the AED 300 cap stops it. The card costs AED 103.95 a year.
ADIB · United Arab Emirates · catalogue v101
Read from ADIB's own published terms on 19 Sep 2026.
AED 103.95Annual fee
AED 1,000Cap across the whole card
4%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| groceries | 4.00% | AED 300reached at AED 7,500 of spendSupermarkets and groceries. AED 300 of cashback a month, which 4% reaches at AED 7,500 of spending. |
| fuel | 4.00% | AED 300reached at AED 7,500 of spendFuel and automobile spending. AED 300 a month. |
| education | 4.00% | AED 300reached at AED 7,500 of spendSchool and university payments. AED 300 a month. |
| dining | 4.00% | AED 200reached at AED 5,000 of spendRestaurants. AED 200 a month. |
| government | 4.00% | AED 100reached at AED 2,500 of spendUtility payments. AED 100 a month, the tightest ceiling on the card. |
| everything else | None | —Everything else earns nothing. ADIB's own features document lists five categories for this card and no general rate, so this is an exclusion rather th |
4% on five categories and nothing anywhere else, which is the fact the headline leaves out. ADIB's comparison document lists supermarkets and groceries, fuel and automobile, school and education payments, dining, and utilities — and no general rate at all, so a rule at zero is written here for everything else rather than a guess. Each of the five carries its own monthly ceiling: AED 300 on groceries, AED 300 on fuel, AED 300 on education, AED 200 on dining and AED 100 on utilities, with AED 1,000 across the card. The 4% on groceries is therefore exhausted by AED 7,500 of shopping a month. AED 99 plus VAT. Source: ADIB's own "Covered Cards - Features and Benefits" comparison document, version 11, February 2026, read 19 Sep 2026.
Questions people ask
What cashback does the ADIB Cashback pay?
4% on groceries, and 4 other rates.
Is there a cap on the ADIB Cashback?
Yes — AED 1,000 a month across the whole card, however you split your spending.
What is the annual fee on the ADIB Cashback?
AED 103.95 a year.
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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