ADCB 365 Cashback vs Mashreq Cashback Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Mashreq Cashback Card comes out ahead on estimated net value — about AED 680/yr more than the ADCB 365 Cashback. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | ADCB 365 Cashback | Mashreq Cashback Card Best valuePopular |
|---|---|---|
| Issuer | ADCB | Mashreq |
| Annual fee | AED 524 / year | No annual fee |
| Welcome bonus | — | Up to AED 500 cashback in first 90 days |
| Min. income (monthly) | AED 15,000 | AED 5,000 |
| Reward type | cashback | cashback |
| Headline rate | 3% cashback | 5% cashback |
| Bonus categories | fuel, dining, education, groceries | fuel, dining, groceries, utilities |
| Lounge access | Yes | No |
| Foreign tx fee | 2.49% | 2.99% |
| Est. net value / yr | AED 592 | AED 1,272 |
| Apply | Apply |
Frequently asked questions
- ADCB 365 Cashback vs Mashreq Cashback Card: which is better?
- On our reference spend profile the Mashreq Cashback Card delivers higher estimated net value than the ADCB 365 Cashback in United Arab Emirates, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between ADCB 365 Cashback and Mashreq Cashback Card?
- ADCB 365 Cashback: AED 524 / year. Mashreq Cashback Card: No annual fee.
- Which earns more rewards, ADCB 365 Cashback or Mashreq Cashback Card?
- ADCB 365 Cashback earns 3% cashback; Mashreq Cashback Card earns 5% cashback. We rank by net value after fees, not headline rate alone.