If I create a brand-new AKS RBAC cluster from the Azure portal, in a resource group where I have Contributor role, and then run az aks get-credentials without admin flag, I am able to create and delete pods and namespaces, read cluster-wide secrets, and so on, using kubectl. This is without first logging in with --admin and creating any RBAC roles and bindings.
What is it that gives me these permissions? Based on discussions I found online, the non-admin version of get-credentials downloads kubeconfig settings for a cluster user role, which should allow me to login but not much else, out of the box.