If you're looking for a credit card that rewards your spending with generous cashback, the 7% Cashback ADCB Card stands out among financial products in the UAE. Offered by Abu Dhabi Commercial Bank (ADCB), this card is especially popular among UAE Nationals for its unmatched cashback rates and lifestyle benefits.

In this article, we’ll explore the key features, eligibility, benefits, fees, and application process for the ADCB Cashback Credit Card offering up to 7% returns.

What is the ADCB 7% Cashback Card?

The ADCB 7% Cashback Card is a premium credit card issued under ADCB’s Emirati Credit Card line, primarily targeting UAE Nationals. It offers up to 7% cashback on selected categories, making it one of the most rewarding cards in the market.

Key Features of the 7% Cashback ADCB Card

1. High Cashback Rates

The highlight of this card is the up to 7% cashback on specific spending categories. These categories may include:

  • Supermarket purchases

  • Education expenses

  • Utility bill payments

  • Fuel and transportation

Note: Cashback rates may vary by category and are subject to caps.

2. Shari’ah-Compliant

The card is Islamic and fully Shari’ah-compliant, making it suitable for individuals seeking ethical banking solutions.

3. Exclusive Rewards and Lifestyle Perks

Cardholders enjoy access to:

  • Complimentary airport lounge access

  • Discounts at partner dining and retail outlets

  • Travel and purchase protection

  • Free supplementary cards for family members

Benefits of Using the ADCB Cashback Card

1. Maximize Savings

With a generous cashback program, everyday purchases like groceries, fuel, and school fees become opportunities to save more.

2. Reward Points Conversion

In addition to cashback, eligible transactions may earn TouchPoints, which can be redeemed for flights, electronics, and more.

3. Flexible Payment Plans

The card supports easy installment plans on large purchases, making big-ticket items more affordable over time.

4. Enhanced Security

Equipped with the latest contactless and chip-and-pin technologies, the card offers strong fraud protection and secure transactions.

Fees and Charges

While the ADCB Cashback Card offers many benefits, it is essential to consider the associated fees:

Fee Type Amount
Annual Fee Varies by card tier
Profit Rate Competitive (per ADCB policy)
Cash Advance Fee Applicable as per terms
Late Payment Charges Applicable as per terms

Always check the latest schedule of charges on the bank’s official documentation.

Eligibility Criteria

To apply for the ADCB Emirati Cashback Card, applicants must meet the following:

  • Be a UAE National

  • Meet the minimum monthly income requirement (as set by ADCB)

  • Maintain a good credit history

  • Be at least 21 years old

How to Apply for the ADCB 7% Cashback Card

Applying for the ADCB Cashback Credit Card is a straightforward process:

Step 1: Check Eligibility

Make sure you meet the income and nationality criteria.

Step 2: Prepare Documents

You'll need:

  • Emirates ID

  • Passport and visa copy (if applicable)

  • Salary certificate or bank statements

  • Completed application form

Step 3: Submit Application

Applications can be submitted at any ADCB branch or through ADCB’s official customer service channels.

Final Thoughts

The 7% Cashback ADCB Card is an excellent financial tool for UAE Nationals who want to maximize rewards on their daily spending. With flexible benefits, Shari’ah compliance, and one of the highest cashback rates in the UAE, it stands out as a top choice for savvy spenders.

Before applying, make sure to compare its features with your lifestyle needs and spending habits. Always read the fine print to understand any limitations or exclusions in the cashback categories.