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ADCB · Mastercard World Elite

Traveller Credit Card

Cashback card earning AED Cashback. Strongest on travel at 10%.

Annual feeAED 1,575
Min. salary / monthAED 20,000
Reward typeCashback

Reward rates by category

CategoryRateNotes from the bank’s terms
Dining1.5%1.5% cashback on all domestic AED spends | Min AED 5,000/mo spend required for all cashback
Groceries1.5%
FuelUnder review1.5% on all other UAE domestic spends incl. fuel
Travel10%
Online shopping1.5%
CinemaUnder review50% cashback movie tickets purchased online
International spend—

Cashback is a percentage of spend. Points and miles are shown the way each bank states them: as % back, or as points or miles per AED 1, with an approximate % value (≈) where the bank publishes what a point is worth. Miles and hotel points have no fixed cash value, so they are never converted. Cashback, points and miles are ranked separately. “Under review” means our recorded rate didn’t match the bank’s wording, so we’re re-checking it and it isn’t used in any ranking until then.

Benefits

Welcome offer
  • AED 2,000 Expedia voucher when you pay the annual fee and spend AED 15,000 in 60 days
Annual fee
  • Annual fee applies (see ADCB's fee schedule)
Travel
  • No foreign currency fees
  • 14 airport lounge visits a year, plus 1 guest per visit
  • Travel insurance, incl. car rental damage cover
  • 4 free Careem airport rides a year
Lifestyle
  • Free golf all year at Arabian Ranches (Dubai) and Abu Dhabi Golf Club

From ADCB’s website, checked October 2026. Welcome offers and perks change often.

Last checked against the bank’s terms on 28 Aug 2026. Rates, fees and eligibility change often. Always confirm on ADCB’s own page before applying. Spotted something wrong? Tell us.

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