A travel-category cashback card with a paid annual membership. The current product distinguishes airline and hotel spending, online AED cinema tickets and other domestic AED spending; it does not reward every overseas purchase.
- Annual fee
- AED 1,575 incl. VAT
- Min salary
- Pending
- Welcome bonus
- 2k AED voucher
Pros
- Cashback on eligible airfare and hotel spending, subject to the monthly gate and cap
- No issuer foreign-currency margin or foreign-transaction charge; scheme costs may still apply
Cons
- Non-travel international retail purchases are excluded from cashback
- Paid annual membership and a restricted, single-use Expedia voucher rather than cash
Earn rates
- Eligible airline ticketsAED and non-AED airline tickets; monthly qualifying spend, credit-limit and cashback cap apply.
- 10% cashbackSource-stated qualifying rate
- Eligible hotel staysAED and non-AED hotel stays; monthly qualifying spend, credit-limit and cashback cap apply.
- 10% cashbackSource-stated qualifying rate
- Online AED cinema ticketsOnline AED cinema only; monthly qualifying spend and total cap apply.
- 50% cashbackSource-stated qualifying rate
- Other domestic AED purchasesDomestic AED only. International retail other than airline/hotel bookings is excluded.
- 1.5% cashbackSource-stated qualifying rate
The expanded source expressly excludes international retail purchases other than airline and hotel bookings from cashback. The former review incorrectly said they earned the domestic rate. Qualifying monthly spend, the total cashback cap and the assigned credit limit apply; a travel booking outside a qualifying month cannot simply be annualised.
The expanded source expressly excludes international retail purchases other than airline and hotel bookings from cashback. The former review incorrectly said they earned the domestic rate. Qualifying monthly spend, the total cashback cap and the assigned credit limit apply; a travel booking outside a qualifying month cannot simply be annualised.
Fee summary
The current ADCB Schedule of Fees supports the annual-membership amount shown above. Relationship concessions are not universal waivers. Fees are inclusive of VAT where applicable. No separate joining-fee amount has been established by this review.
The foreign-currency percentage is an issuer charge, not a promise of the total conversion cost. The fee guide separately states that card-scheme processing is additional.
Welcome bonus
The Expedia voucher requires annual-fee payment and qualifying spend within a time window. It is single-use, limited to the designated booking route and eligible properties, applies to base room charges and excludes taxes and fees. Book and complete the stay within validity. Voucher face value is not cash profit.
Perks worth using
The fee schedule lists no issuer foreign-currency margin or issuer foreign-transaction charge for Traveller, but separately states that scheme processing can be additional. This review therefore does not promise cost-free currency conversion. Detailed lounge, transfer, hotel and insurance conditions are not fully recertified.
Key conditions to know
The current product offers a salary or credit-limit qualification route. Neither route guarantees approval. Salary-transfer, residency and employment conditions have not all been confirmed, so the previous qualification summary remains unconfirmed rather than presented as a complete rule. Confirm the requirements for the exact product and application channel with ADCB.
This is a bounded field review, not a new whole-card verification date. A retained source date does not certify every historical statement or every linked benefit. Pending terms are set out in the source notes above.
Watch out for
Do not call the voucher cash-positive, assume a universal overseas earn rate or add unrelated benefits into a guaranteed annual package. Relationship pricing and actual usable benefits matter.
Is it worth it?
Consider it for eligible airline and hotel spending that fits the monthly gate and cap, with a realistic plan for the restricted voucher. Use a separate comparison for non-travel overseas spending.
Sources and review scope
Only captured, readable terms are relied on. An unreadable document, a closed nested panel or the absence of an offer in the visible state is not evidence of a zero charge, an unlimited benefit or no conditions.
