Abu Dhabi Commercial Bank (ADCB) Credit Cards

ADCB's lineup splits cleanly between category cashback and points. The flagship 365 Cashback card runs aggressive tiered rates — 6% on dining, 5% on groceries and 3% on utilities (telecom, fuel and Salik), each capped monthly, over a 1% base — for an AED 383 fee that waives at AED 100,000 of annual spend, with an AED 400 welcome on AED 5,000 in the first 90 days.

Two cards are lifetime-free. TouchPoints Platinum earns 1 TouchPoint per AED 10 with 12 complimentary ADCB lounge visits and a 10,000-point welcome; the Talabat co-brand pays 35% back as Talabat wallet credit on Talabat orders plus 1.25% elsewhere, with an AED 500 Talabat-credit welcome — a strong pick for heavy food-delivery users.

The premium tier runs on ADCB Reward Points: Platinum (AED 200, 1.0 point per AED 10, 16 domestic + 4 Priority Pass visits) and Infinite (AED 500, 1.5 points per AED 10, unlimited domestic lounges + 10 Priority Pass, 2.75% forex), the latter gated at AED 20,000/month income.