ADCB · Visa
ADCB Simplylife Credit Card
UAE credit card with up to 5% cashback. No annual fee ever.
Reward rates by category
| Category | Effective Rate | Monthly Cap | Notes |
|---|---|---|---|
| Groceries | 2% cashback | AED 1,000 /mo | 2% cashback on groceries |
| Dining | 5% cashback | AED 500 /mo | 5% cashback on dining (lower cap than premium cards) |
| Online Shopping | 3% cashback | AED 1,000 /mo | 3% cashback on online purchases |
| Everyday | 1% cashback | No cap | 1% on all other eligible spend |
Rates are approximate — verify with ADCB before applying.
Rates shown are based on publicly available information as of 2026-05-02. Verify current rates with ADCB before applying. Reward rates, monthly caps, and fee waivers change without notice. This page is informational only and does not constitute financial advice.
Key benefits
- Zero annual fee — keep rewards without a fee hurdle
- 5% dining cashback (great for moderate spenders)
- 3% on online purchases
- Instant cashback — no minimum redemption threshold
- Digital-first account management via ADCB app