ADCB 365 Credit Card Review 2026: Is It Worth It?

What is the ADCB 365 card?

The ADCB 365 is ADCB's everyday cashback credit card, positioned as a simpler alternative to the TouchPoints Platinum. Where TouchPoints earns redeemable points that require conversion, the 365 card aims to deliver straightforward cashback credited to your statement.

The name references its design goal: a card worth using every day of the year, not just at select merchants.

Reward rates

The ADCB 365 targets everyday spend rather than category-specific bonuses:

• Groceries: Up to 5% cashback (first AED 500/month eligible spend)
• Dining: 2% cashback
• Fuel: 1% at ADNOC and ENOC
• All other spend: 1% base rate, uncapped

Important: The 5% grocery rate applies only to the first AED 500 of grocery spend per month (maximum AED 25 back). Above that, the rate drops to the base 1%. This cap is significantly lower than the ADCB TouchPoints Platinum (which caps at AED 2,000 at 4%).

Annual fee

The ADCB 365 annual fee is AED 365, waived in the first year. From year two onwards, the fee is waived with AED 150,000 in annual card spend (AED 12,500/month). Verify the current threshold at adcb.com before applying, as fee waiver conditions have changed historically.

How it compares to ADCB TouchPoints Platinum

The ADCB 365's grocery rate looks higher (5% vs 4%) but the cap tells the real story:

• Groceries breakeven at AED 625/month: Below AED 500 grocery spend, 365 earns AED 25 (5% × AED 500) while TouchPoints earns AED 20 (4% × AED 500) — 365 wins by AED 5. At AED 625 spend, both cards return exactly AED 25 (365: AED 25 on first AED 500 + AED 1.25 at 1% on AED 125 = AED 26.25; TouchPoints: 4% × AED 625 = AED 25 — 365 still leads narrowly). Above AED 625, TouchPoints pulls ahead because its 4% rate continues to AED 2,000 while 365 has already dropped to 1%.
• Travel: TouchPoints earns 2 points/AED on airlines and hotels; 365 has no elevated travel rate.
• Online: TouchPoints at 2%; 365 at 1%.

The 365 makes sense if: You spend under AED 500/month at supermarkets and want a simpler cashback product.

TouchPoints makes sense if: You spend over AED 625/month on groceries, or want elevated rates on travel, fuel, and online.

How it compares to FAB Cashback Platinum

For a household spending AED 1,000/month on groceries, AED 400/month on dining, and AED 300/month online (AED 1,700 combined):

• ADCB 365: 5% on first AED 500 groceries (AED 25) + 1% on remaining AED 500 groceries (AED 5) + 2% on AED 400 dining (AED 8) + 1% on AED 300 online (AED 3) = AED 41/month
• FAB Cashback: 3% on AED 1,000 groceries (AED 30, below AED 1,500 cap) + 1% on AED 400 dining (AED 4) + 3% on AED 300 online (AED 9, below AED 1,500 cap) = AED 43/month

FAB wins at this spend profile by AED 2/month — AED 24/year. FAB's advantage widens if online spend increases (its 3% online rate is triple the 365's 1%).

Who should consider the ADCB 365?

1. Existing ADCB customers who want to consolidate banking and credit with one institution
2. Very light grocery spenders — households spending under AED 500/month on groceries capture the full 5% rate before the cap bites
3. Simplicity seekers — if you want cashback without tracking points conversion

For a household spending AED 1,000/month groceries + AED 400 dining + AED 300 online (AED 1,700 combined), the ADCB 365 returns AED 41/month vs AED 43/month for FAB Cashback — a AED 24/year gap. The gap grows further if you hold a TouchPoints Platinum, which beats the 365 on every category except grocery spend under AED 500/month.

Verify before you apply

ADCB updates card terms periodically. The rates and fee waiver threshold for the ADCB 365 should be verified at adcb.com before applying. This review is based on publicly available information as of May 2026.

Frequently asked questions

Does the ADCB 365 have lounge access?

The 365 card does not typically include airport lounge access — that benefit is reserved for ADCB's premium tier cards. If lounge access matters to you, consider the ADCB TouchPoints Platinum (which includes limited Dragonpass visits).

Can I have both the ADCB 365 and TouchPoints Platinum?

You can, but there's limited reason to. The 365's grocery 5% rate only beats TouchPoints if you spend under AED 500/month on groceries — at which point the AED 5/month difference (AED 25 vs AED 20) rarely justifies maintaining two ADCB cards. A better pairing is TouchPoints + Mashreq Cashback for dining.

Is ADCB 365 a Visa or Mastercard?

The ADCB 365 is issued on the Visa network. Acceptance in UAE is universal.

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