Route spending through Including online food orders.
Earn 0.0× here — 0.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Dining
ABU DHABI COMMERCIAL BANK (ADCB) · ADCB 365 CASHBACK CREDIT CARD
ADCB 365 Cashback Credit Card
ANNUAL FEE
₹383 waived at ₹1L spend
FIRST-YEAR NET VALUE
₹13,500 for a mid spender · travel
ABU DHABI COMMERCIAL BANK (ADCB) ADCB 365 Cashback
Updated January 2025 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Abu Dhabi Commercial Bank (ADCB)'s.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE Adult Primary or add-on applicant
RESIDENCY UAE PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹13,500 first-year net value · mid spender · travel
Category rewards ₹13,500
Annual fee − ₹383
Fee waiver (met)· Annual fee waived for next year ₹383
Net first-year value ₹13,500
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 1.0 pts per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 1.0% back
Including online food orders · 0.0%
Groceries · 0.0%
Including telecom, fuel, and Salik · 0.0%
Everything else (base) · 1.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Abu Dhabi Commercial Bank (ADCB) tweaks the program.
Line up your ₹1L before renewal.
Crossing ₹1L in the anniversary year waives the ₹383 fee — automatic for spenders at ₹8,333+/month. Watch your pace in months 10–12.
Don't sleep on Groceries.
The second tier earns 0.0× (0.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹383 · + 18% GST · one-time
Annual fee (year 2+) ₹383 · waived at ₹1L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.3%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
8 domestic visits per year. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹1L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
HOW WE KEEP THIS CURRENT
Last verified January 2025. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.