Compare spend rewards minus card fees on eligible everyday UAE purchases.
Uses each card’s general rate, not boosted or reduced-rate categories, and assumes you pay the balance in full.
Welcome offers, perks, paid add-ons, rebates and foreign-currency charges aren’t included. Issuer exclusions and credit limits still apply.
Targeted or promotional fee waivers are not modelled unless stated on the estimate.
0.00% issuer FX charges including VAT; scheme charges may also apply
Current ADCB SoF Ver.49/September2026 relationship fee columns apply; no new spend-based waiver is inferred.
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADCB Traveller Credit Card
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.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADCB Traveller Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 1,575
Standard renewal fee
AED 1,575
The published cap limits this example.
Waiver terms: Current ADCB SoF Ver.49/September2026 relationship fee columns apply; no new spend-based waiver is inferred.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
2.99% issuer FX charges including VAT; scheme charges may also apply
Current ADCB SoF Ver.49/September2026 relationship fee columns apply; no new spend-based waiver is inferred.
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADCB TouchPoints Infinite Credit Card
Everything else
Pending
The captured top-level Rewards panel did not expose the detailed earning and monthly-bonus schedule. Previous numeric rows are withheld pending confirmation rather than silently recertified. A displayed spend trigger is not evidence of the number of bonus points awarded.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for ADCB TouchPoints Infinite Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 1,050
Standard renewal fee
AED 1,050
The published cap limits this example.
Waiver terms: Current ADCB SoF Ver.49/September2026 relationship fee columns apply; no new spend-based waiver is inferred.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
2.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (Current ADCB SoF Ver.49/September2026 relationship fee columns apply; no new spend-based waiver is inferred.)
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
6% dining, 1% rest
Earn rates for ADCB 365 Cashback Credit Card
Dining
6%
Groceries
3%
Fuel
5%
Home digital entertainment subscriptions
5%
Eligible AI subscriptions
5%
Utilities
0.5%
Insurance
0.5%
Car dealers
0.5%
Education
0.5%
Government services
0.5%
Rent and real estate
0.5%
Telecom
0.5%
Charity
0.5%
Transport
0.5%
Everything else
1%
Eligible home digital entertainment and AI subscriptions are narrow categories, not a boost for all online or entertainment spending. Pay the eligible provider directly. Third-party platforms, app stores and aggregators do not qualify for the subscription rate. Salik must be paid directly or through Dubai Now. Bill payments, school fees and transactions through ADCB channels do not earn cashback, though they can count towards qualifying spend.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
Eligible subscription merchants, direct-payment channels and reduced-category exclusions are not modelled by this all-spend example. Check the current issuer eligibility guide.
What’s included for ADCB 365 Cashback Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 383.25
Monthly qualifying spend
AED 5,000
The published cap limits this example.
Waiver terms: Year-one waived (Current ADCB SoF Ver.49/September2026 relationship fee columns apply; no new spend-based waiver is inferred.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
2.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADCB Essential Cashback Credit Card
Eligible general purchases at higher monthly spendIssuer monthly-spend tier; overlapping boundary wording requires confirmation. Select categories, excluded channels, monthly gate and cap apply.
1.25% cashbackSource-stated qualifying rate
Eligible general purchases at lower monthly spendIssuer monthly-spend tier; overlapping boundary wording requires confirmation. Select categories, excluded channels, monthly gate and cap apply.
1% cashbackSource-stated qualifying rate
Issuer-defined select categories and EU purchasesMerchant guide names supermarkets, charity, fuel, utilities, government, telecoms, Salik, transport, auto dealers, education, insurance, real estate/housing rentals and EU merchants. Payment-channel exclusions apply.
0.75% cashbackSource-stated qualifying rate
The general rate changes with monthly spend, while issuer-defined select categories earn a reduced rate. The product wording overlaps at the spend-tier boundary; confirm that boundary with ADCB rather than inferring how it is applied. The merchant guide includes EU purchases and named everyday categories. Bill payments, school fees and transactions through ADCB channels are excluded from cashback, although they count towards qualifying spend. Cashback requires at least AED 1,000 of monthly spend, with a monthly maximum of AED 1,000. The issuer’s two general-rate descriptions overlap at AED 5,000; the boundary is not resolved here.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADCB Essential Cashback Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 0
The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
2.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADCB LuLu Titanium Gold Credit Card
Purchases at LuLuCurrent marketed Titanium product; LuLu outlets exempt from reduced supermarket earn. Gold-variant scope is not recertified.
3.5 LuLu Points per AED 1Source-stated qualifying rate
Other eligible storesAdvertised upper bound, not a guaranteed universal base.
Up to 1 LuLu Points per AED 1Advertised upper bound
Reduced fuel and listed categoriesFuel, education, government, real estate, telecoms, charity and transport.
0.2 LuLu Points per AED 1Source-stated qualifying rate
Reduced supermarkets and listed categoriesSupermarkets excluding LuLu, auto dealers, insurance and quick-service restaurants.
0.4 LuLu Points per AED 1Source-stated qualifying rate
United Kingdom / EEA merchantsIssuer EEA/Mastercard classification controls; current Titanium scope.
0.4 LuLu Points per AED 1Source-stated qualifying rate
The current reward table does include accelerated LuLu-store earning. The former claim that LuLu purchases earned only the general base was wrong. Purchases elsewhere have an upper-bound rate, with lower domestic categories and a separate EEA rate. LuLu purchases are expressly exempt from the reduced supermarket category.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADCB LuLu Titanium Gold Credit Card
2.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (Current SoF Ver.49 lists the resident/base fee and first-year-free annotation. Product nationality exemption and relationship-table scope need confirmation.)
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADCB Shukran Credit Card
Named Shukran participating brandsOnly named participating brands; not all shopping. Rewards are captive Shukrans.
10% back as ShukransSource-stated qualifying rate
Other eligible retailExcludes the named reduced UAE categories and EEA merchants.
1.5% back as ShukransSource-stated qualifying rate
Reduced UAE merchant categoriesIssuer-listed fuel, education, government, real estate, telecoms, charity, transport, supermarkets, auto dealers and insurance categories.
0.5% back as ShukransSource-stated qualifying rate
0.5% back as ShukransSource-stated qualifying rate
Named Shukran brands, other eligible retail, reduced UAE merchant categories and EEA merchants have distinct rates. The higher other-retail rate must not be applied to reduced categories. Rewards are credited into the Shukran membership account for redemption within the participating ecosystem.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADCB Shukran Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 262.50
The published cap limits this example.
Waiver terms: Year-one waived (Current SoF Ver.49 lists the resident/base fee and first-year-free annotation. Product nationality exemption and relationship-table scope need confirmation.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Welcome bonus in Shukrans: AED 1,200 for UAE Nationals new to ADCB cards, AED 1,000 for other UAE residents new to ADCB cards, AED 200 for existing ADCB cardholders. Requires AED 8,000 spend in the first 60 days; credited within 120 days.
Additional talabat orders and months below the qualifying-spend gate use a lower rate. Other eligible retail has a separate rate, with reduced domestic categories and EEA merchants. The terms also exclude specified transaction types and limit eligible earning to the assigned credit limit. Use the source-qualified rows rather than one universal base. The headline talabat reward applies to the first 10 eligible monthly orders, capped at AED 35 per order and AED 350 monthly. Monthly retail spend of AED 2,500 is required; otherwise talabat orders earn 1.25% as talabat credit.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADCB Talabat Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 0
The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Up to AED 750 as restricted talabat credit for applicants with no existing ADCB Credit or Islamic Credit Card; existing cardholders receive AED 200 as talabat credit. Digital channels only; AED 5,000 qualifying spend within 45 days. First issuance only; conversion and repeat-card exclusions apply. This is not cash or ADCB statement credit.
2.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (Current ADCB SoF Ver.49/September2026 relationship fee columns apply; no new spend-based waiver is inferred.)
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADCB TouchPoints Platinum Credit Card
Everything else
Pending
The detailed reward schedule remains inside an uncaptured nested panel. Earlier fuel, travel, base and monthly-bonus quantities are not reverified and are withheld. A visible spending threshold is not itself a bonus-point award.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for ADCB TouchPoints Platinum Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 630
The published cap limits this example.
Waiver terms: Year-one waived (Current ADCB SoF Ver.49/September2026 relationship fee columns apply; no new spend-based waiver is inferred.)
2.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADCB TouchPoints Titanium Gold Credit Card
Everything else
Pending
The detailed earning schedule remains in an uncaptured nested panel. The previous base, reduced-category and bonus-point quantities are not freshly substantiated and are withheld. A spending trigger does not establish the bonus amount.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for ADCB TouchPoints Titanium Gold Credit Card
The standard annual fee is Pending; joining and other charges are not assumed to be zero.
Joining fee — confirmation pending
FX — confirmation pending
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Smiles Visa Classic Card
Standard qualifying expenditureSmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
4 Smiles Points per AED 5Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEASmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
6 Smiles Points per AED 5Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEASmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
2 Smiles Points per AED 5Source-stated qualifying rate
Qualifying Smiles app spendSmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
12 Smiles Points per AED 5Source-stated qualifying rate
Issuer-defined specific merchantsSmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
1 Smiles Points per AED 5Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately. monthly points cap: 100,000 Smiles Points per month.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Smiles Visa Classic Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
Confirm with issuer
The published cap limits this example.
Confirm the first-year fee with the issuer.
A zero first-year or promotional fee does not establish the standard renewal fee.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Cashback Visa Covered Card
Everything else
Pending
Stored category set omits education and utility rewards. Source category-specific caps and qualifying-spend conditions must be reconciled before arbitrary-spend calculations.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for ADIB Cashback Visa Covered Card
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for CBD One Credit Card
Everything else
Pending
Initial HTTP product/KFS capture was incomplete. Visible product evidence now covers selected headline features, but KFS/fee tariff and exact merchant-benefit terms are still required for financial completion.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
Year-one waived, AED 30,000 annual spend ongoing (No annual fee in year one. AED 313.95 (incl. VAT) from year two, waived if eligible retail spend exceeds AED 30,000 in the prior 12 months (excludes balance transfers, cash advances, fees and quasi-cash).)
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates Islamic Switch Cashback Credit Card
Everything else
Pending
Lifestyle and Travel modes are mutually exclusive, while stored groceries/fuel/travel rows appear simultaneous; reduced categories also omitted. Suppress unrestricted combined return.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for Emirates Islamic Switch Cashback Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 313.95
The published cap limits this example.
Waiver terms: Year-one waived, AED 30,000 annual spend ongoing (No annual fee in year one. AED 313.95 (incl. VAT) from year two, waived if eligible retail spend exceeds AED 30,000 in the prior 12 months (excludes balance transfers, cash advances, fees and quasi-cash).)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 5,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Darna Select Visa
Participating Aldar retailersNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
62.5 Darna Points per AED 100Source-stated qualifying rate
Qualifying non-Aldar general spendNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1. English-source figure is retained for audit only; the row is held Pending because the Arabic column conflicts.
PendingSource scope requires confirmation
Listed reduced grocery/fast-food/insurance/car-dealer categoriesNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
1.875 Darna Points per AED 100Source-stated qualifying rate
Listed reduced bills and government categoriesNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
0.75 Darna Points per AED 100Source-stated qualifying rate
EU and UK spendNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1. English-source figure is retained for audit only; the row is held Pending because the Arabic column conflicts.
PendingSource scope requires confirmation
Headline Aldar rewards exclude Aldar properties and education. Non-Aldar grocery, fast food, insurance/car dealerships, listed bills and EU/UK spend have source-stated reduced rates. Named native-unit rows and monthly caps replace an unconditional all-spend estimate. The English and Arabic columns of the linked Darna terms disagree on Select’s non-Aldar general-spend and EU/UK rows. Those two rows remain Pending; no language is treated as automatically prevailing. The other named rows are separately scoped.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Darna Select Visa
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (The current product advertises No Annual Fees. This is a current promotional offer, not proof that the separately stated standard joining fee is waived.)
Eligibility
Minimum salary
AED 5,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Self-employed
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Go4it Gold
Qualifying weekend spendWeekend spend, not entertainment; Plus Points per-statement cap applies.
5 Plus Points per AED 400Source-stated qualifying rate
Qualifying RTA spendRTA spend only; Plus Points per-statement cap applies.
4 Plus Points per AED 400Source-stated qualifying rate
Qualifying weekday spendWeekday spend; reduced categories/caps need the linked Plus Points terms.
1 Plus Points per AED 400Source-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Go4it Gold
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
Confirm with issuer
The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (The current product advertises No Annual Fees. This is a current promotional offer, not proof that the separately stated standard joining fee is waived.)
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived, no ongoing spend requirement (Free for life — no annual fee.)
Eligibility
Minimum salary
AED 5,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Self-employed
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD LuLu 247 Titanium
LuLu in-store and onlineLuLu only; not all supermarkets/groceries.
3.5% as LuLu PointsSource-stated qualifying rate
Qualifying fuelQualifying fuel purchases; LuLu programme conditions apply.
2% as LuLu PointsSource-stated qualifying rate
Qualifying utility billsQualifying utility bill payments; LuLu programme conditions apply.
1% as LuLu PointsSource-stated qualifying rate
Qualifying other spendQualifying other spend; LuLu programme conditions apply.
0.35% as LuLu PointsSource-stated qualifying rate
LuLu-only headline rate, source-stated reduced categories, card-limit/billing-cycle caps and exclusions apply. English/Arabic reduced-category figures disagree in the linked terms, so disputed reduced rates are not presented as confirmed.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD LuLu 247 Titanium
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 0
The published cap limits this example.
Waiver terms: Year-one waived, no ongoing spend requirement (Free for life — no annual fee.)
AED 500 statement cashback on AED 5,000 spend in the first two calendar months (60 days), subject to new-to-card eligibility in the special terms. The linked YOUGotaGift campaign ended on 28 February 2026. The cashback is separate from noon Credits earned on purchases.
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 5,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD U by Emaar Family
Qualifying Emaar spendEmaar malls, participating Emaar hotels/restaurants only.
5% as U by EmaarSource-stated qualifying rate
Qualifying general spendSubject to reduced-category multipliers: grocery/supermarkets earn 25% of base; fuel/government/telecom 10% of base. Not an unconditional all-spend return.
1% as U by EmaarSource-stated qualifying rate
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD U by Emaar Family
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 5,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD WebShopper Credit Card
Qualifying online purchasesOnline transactions only. Card cannot be used at terminals or ATMs; Plus Points conditions apply.
1 Plus Points per AED 200Source-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD WebShopper Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 52.50
The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
Up to 2.74% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 5,000/mo
UAE residents
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for FAB Cashback Card
Everything else
Pending
The stored rates omit groceries and reduced categories, and the monthly cap also depends on assigned credit limit. No unrestricted spend estimate until modelled.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for FAB Cashback Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 315
The published cap limits this example.
Confirm the first-year annual fee and waiver conditions with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
2.10% issuer processing fee including VAT; scheme charges may also apply
Year-one waived, AED 12,000 annual spend ongoing (HSBC's Live+ page (read 10 October 2026) states no annual fee of AED 299 for the first year, waived from the second year onwards subject to a minimum spend of AED 12,000. AED 313.95 is that AED 299 fee including 5% VAT. The earlier note that the year-one waiver applied only to applications approved by 30 June 2026 is superseded: the waiver is published again.)
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for HSBC Live+ Credit Card
Everything else
Pending
Stored global minimum-spend cap wrongly suppresses base cashback below the accelerated gate. Entertainment cap also missing; reconcile exact separate caps against KFS.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for HSBC Live+ Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 313.95
The published cap limits this example.
Waiver terms: Year-one waived, AED 12,000 annual spend ongoing (HSBC's Live+ page (read 10 October 2026) states no annual fee of AED 299 for the first year, waived from the second year onwards subject to a minimum spend of AED 12,000. AED 313.95 is that AED 299 fee including 5% VAT. The earlier note that the year-one waiver applied only to applications approved by 30 June 2026 is superseded: the waiver is published again.)
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Mashreq Cashback Credit Card
Everything else
Pending
Cashback-eligible spend in each statement cycle is limited by the assigned credit-card limit; that customer-specific limit is not a published numeric cap. The product page describes other local spend as an upper bound while the KFS states an exact other-UAE rate, so the stored everyday rate remains withheld pending reconciliation. Bill payments through Mashreq Online and Mobile Banking App do not earn cashback. No unrestricted-spend total return is calculated.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for Mashreq Cashback Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 0
The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Up to 2.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 5,000/mo
UAE residents
Salaried
Self-employed
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Standard Chartered Platinum X Credit Card
Everything else
Pending
Source uses four monthly-spend tiers and separate channel caps. Current stored headline rate at the lowest qualifying spend materially overstates rewards.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for Standard Chartered Platinum X Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 525
The published cap limits this example.
Confirm the first-year annual fee and waiver conditions with the issuer.
The standard annual fee is Pending; joining and other charges are not assumed to be zero.
FX +2.00%
Eligibility
Minimum salary
AED 7,000/mo
UAE residents
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Wio Credit (Mastercard World)
Everything else
Pending
Standard Plan earns no cashback; eligible-plan requirement and combined Credit/MyMoney cap cannot be inferred from salary alone. No unrestricted total-return estimate.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated
Cashback depends on your Wio plan, its fee and a cap shared with My Money. The Standard plan earns none.
2.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
— confirmation pending
Eligibility conditions pending confirmation.
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADCB LuLu Credit Card
Purchases at LuLuLuLu outlets only; explicitly exempt from reduced supermarket earn.
8 LuLu Points per AED 1Source-stated qualifying rate
Other eligible storesAdvertised upper bound; reduced categories and EEA exception apply.
Up to 1.25 LuLu Points per AED 1Advertised upper bound
Reduced fuel and listed domestic categoriesFuel, education, government, real estate, telecoms, charity and transport; merchant classification controls.
0.2 LuLu Points per AED 1Source-stated qualifying rate
Reduced supermarkets and other listed categoriesSupermarkets excluding LuLu, auto dealers, insurance and quick-service restaurants.
0.4 LuLu Points per AED 1Source-stated qualifying rate
United Kingdom / EEA merchantsIssuer EEA/Mastercard classification controls; named geography only.
0.4 LuLu Points per AED 1Source-stated qualifying rate
LuLu purchases are expressly exempt from the reduced supermarket rate. That does not make the LuLu rate a universal shopping rate. Purchases elsewhere are advertised at an upper bound, with separate reduced categories and a geographical exception. The old fuel/base-only schedule has therefore been replaced by qualified source rows.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
Year-one waived, AED 9,000 annual spend ongoing (No annual fee in year one. From year two AED 300 (+ 5% VAT), waived if annual spend reaches AED 9,000.)
Eligibility
Minimum salary
AED 8,000/mo
UAE residents
Salaried
Self-employed
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Citi Cash Back Credit Card
Everything else
Pending
No spend above assigned credit limit earns cashback; utility bill payments via bank channels excluded. Stored rates may display only subject to these conditions; unrestricted total-return estimate is not source-qualified.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for Citi Cash Back Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 315
The published cap limits this example.
Waiver terms: Year-one waived, AED 9,000 annual spend ongoing (No annual fee in year one. From year two AED 300 (+ 5% VAT), waived if annual spend reaches AED 9,000.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Citi’s product page advertises an AED 300 joining-bonus statement credit for eligible direct applicants on AED 6,000 of qualifying spend within 60 days. Check the terms shown for your application route.
0.4 ADCB TouchPoints per AED 1Source-stated qualifying rate
The headline is an advertised upper bound. Domestic supermarkets, auto dealers, insurance and quick-service restaurants have a different rate from fuel, education, government, real estate, telecoms, charity and transport. EEA merchant classification is separate. The former review incorrectly described reduced categories as earning the headline rate.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADCB Betaqti Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 2,100
Standard renewal fee
AED 2,100
The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (Promotional waiver — fee waived for life as a time-limited offer (May 2026). Standard fee per SoC is AED 315.)
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Darna Visa Signature
Participating Aldar retailersNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
75 Darna Points per AED 100Source-stated qualifying rate
Qualifying non-Aldar general spendNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
10 Darna Points per AED 100Source-stated qualifying rate
Listed reduced grocery/fast-food/insurance/car-dealer categoriesNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
2.5 Darna Points per AED 100Source-stated qualifying rate
Listed reduced bills and government categoriesNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
1 Darna Points per AED 100Source-stated qualifying rate
EU and UK spendNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
10 Darna Points per AED 100Source-stated qualifying rate
Headline Aldar rewards exclude Aldar properties and education. Non-Aldar grocery, fast food, insurance/car dealerships, listed bills and EU/UK spend have source-stated reduced rates. Named native-unit rows and monthly caps replace an unconditional all-spend estimate.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Darna Visa Signature
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 315
The published cap limits this example.
Waiver terms: Year-one waived (Promotional waiver — fee waived for life as a time-limited offer (May 2026). Standard fee per SoC is AED 315.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
3,000 Darna Points on AED 15,000 spend in the first 3 months, plus Darna Gold status. The separate linked YOUGotaGift campaign ended on 28 February 2026.
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Diners Club Credit Card
Duty Free spendDuty Free only, not all travel. Plus Points per-statement cap applies.
5% as ENBD Plus PointsSource-stated qualifying rate
Qualifying diningQualifying dining; Plus Points per-statement cap applies.
2.5% as ENBD Plus PointsSource-stated qualifying rate
Qualifying other spendOther spend; conflicts with the generic top-page up-to headline. Plus Points cap applies.
0.5% as ENBD Plus PointsSource-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Diners Club Credit Card
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (No annual fee under the current promotion; standard renewal AED 840 per the Schedule of Charges. Abu Dhabi residents only.)
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Duo Credit Cards
Grocery, electronics, utilities, education and fuelOnly listed categories; minimum monthly spend AED 5,000 per statement; otherwise 1.5%; max 500 Plus Points per statement.
5% as ENBD Plus PointsSource-stated qualifying rate
Qualifying other spendOther qualifying spend including travel, dining, hotels and online; max 500 Plus Points per statement.
0.5% as ENBD Plus PointsSource-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Duo Credit Cards
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
Confirm with issuer
The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion; standard renewal AED 840 per the Schedule of Charges. Abu Dhabi residents only.)
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Etihad Guest Visa Inspire
Etihad Airways spendEtihad Airways only; not all travel.
7 Etihad Guest Miles per AED 10Source-stated qualifying rate
Hotels and diningHotels and dining only; issuer qualifying spend terms apply.
PendingSource scope requires confirmation
Other qualifying spendAdvertised upper bound only. Full spend tiers and exclusions need the linked Etihad terms. The heading states per AED 10.
PendingSource scope requires confirmation
Issuer sources conflict. Product page and linked Etihad special-terms booklet state different hotels/dining and other-spend rates. Those rows remain Pending; the common Etihad-airfare row is preserved. No total return or winner is calculated.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Etihad Guest Visa Inspire
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 735
The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Up to 60,000 Etihad Guest Miles: 20,000 on joining-fee payment and 40,000 on AED 60,000 spend within 6 months. Silver fast-track requires an eligible return flight within 6 months.
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (No annual fee under the current promotion; standard renewal AED 208.95 per the Schedule of Charges.)
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Self-employed
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Go4it Platinum
Qualifying weekend spendWeekend spend, not entertainment; Plus Points per-statement cap applies.
5 Plus Points per AED 200Source-stated qualifying rate
Qualifying RTA spendRTA spend only; Plus Points per-statement cap applies.
4 Plus Points per AED 200Source-stated qualifying rate
Qualifying weekday spendWeekday spend; reduced categories/caps need the linked Plus Points terms.
1 Plus Points per AED 200Source-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Go4it Platinum
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
Confirm with issuer
The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion; standard renewal AED 208.95 per the Schedule of Charges.)
1.99% issuer FX charges including VAT; scheme charges may also apply
No fee waiver is published. The Emirates NBD product page lists a AED 525 joining fee and a AED 262.50 annual fee, and the Key Facts Statement (08/2026) the same AED 525 joining and AED 262.50 renewal fee (incl. VAT). Checked 10 October 2026.
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Self-employed
Business owner
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD LuLu 247 Platinum
LuLu in-store and onlineLuLu only; not all supermarkets/groceries.
7% as LuLu PointsSource-stated qualifying rate
Qualifying fuelQualifying fuel purchases; LuLu programme conditions apply.
4% as LuLu PointsSource-stated qualifying rate
Qualifying utility billsQualifying utility bill payments; LuLu programme conditions apply.
2% as LuLu PointsSource-stated qualifying rate
Qualifying other spendQualifying other spend; LuLu programme conditions apply.
0.7% as LuLu PointsSource-stated qualifying rate
LuLu-only headline rate, source-stated reduced categories, card-limit/billing-cycle caps and exclusions apply. English/Arabic reduced-category figures disagree in the linked terms, so disputed reduced rates are not presented as confirmed.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD LuLu 247 Platinum
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 262.50
The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
Waiver terms: No fee waiver is published. The Emirates NBD product page lists a AED 525 joining fee and a AED 262.50 annual fee, and the Key Facts Statement (08/2026) the same AED 525 joining and AED 262.50 renewal fee (incl. VAT). Checked 10 October 2026.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Up to 500 LuLu Points: 250 on joining-fee payment and first transaction; 250 on AED 8,000 spend in the first 2 billing statements. Qualifying balance-transfer conditions apply separately.
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (Currently advertised 'Free for life'. KFS/SoC standard renewal: AED 315.)
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Marriott Bonvoy World Mastercard
Participating Marriott hotels and resortsParticipating Marriott hotels/resorts only; additional to programme earnings.
3 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Qualifying general retail including diningQualifying general retail only, excluding the reduced categories and geography conditions below.
1.5 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Grocery, insurance, car dealers and qualifying fast foodNamed reduced categories. Fast-food transactions above USD 25 earn the higher general-retail rate.
0.375 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Listed bills and other reduced categoriesReal estate, education, petroleum, government, car-hailing, food-delivery aggregators, utilities and telecom. EU/UK spend earns 50% of international spend points.
0.15 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Marriott Bonvoy World Mastercard
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
Confirm with issuer
The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (Currently advertised 'Free for life'. KFS/SoC standard renewal: AED 315.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Two Free Night Awards, each usable at a redemption level up to 35,000 Marriott Bonvoy points, on USD 6,000 qualifying retail spend in the first 3 billing statements. Certificates are restricted awards, not 70,000 transferable points. Product/linked terms differ on the joining-fee condition; confirm the applicable application offer.
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (No annual fee under the current promotion. Standard fee not explicitly listed in the Schedule of Charges for this product — confirm with the bank if the waiver ends.)
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Mastercard Platinum
Qualifying general retailQualifying general spend; top-page advertised rate may be up to. Reduced categories and per-statement caps apply.
Up to 1.5 Plus Points per AED 100Advertised upper bound
Supermarkets, groceries, insurance and car dealersOnly these issuer-defined reduced categories; per-statement caps apply.
0.4% as ENBD Plus PointsSource-stated qualifying rate
Fuel, utilities, real estate and educationOnly these issuer-defined reduced categories; per-statement caps apply.
0.2% as ENBD Plus PointsSource-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Mastercard Platinum
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
Confirm with issuer
The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion. Standard fee not explicitly listed in the Schedule of Charges for this product — confirm with the bank if the waiver ends.)
5,000 SHARE Points on AED 25,000 spend in the first 3 months. Free-for-Life card as advertised. The separate linked YOUGotaGift campaign ended on 31 May 2026.
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Self-employed
Business owner
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Skywards Signature
Emirates and named partner categoriesOnly the named partner categories. Not all travel or all dining.
1.5 Skywards Miles per USD 1Source-stated qualifying rate
Qualifying international spendForeign/non-AED international spend outside reduced geography. EU/UK rates and statement/credit-limit caps apply.
1 Skywards Miles per USD 1Source-stated qualifying rate
Qualifying domestic spendQualifying domestic spend only; reduced categories, credit-limit and statement caps apply.
0.75 Skywards Miles per USD 1Source-stated qualifying rate
Named partner, domestic and international rows retain their exact scope. The product’s explicit EU/UK figure conflicts with its own percentage-of-international footnote; that geography is not settled or used in a universal return model.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Skywards Signature
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 735
The published cap limits this example.
Confirm the first-year annual fee and waiver conditions with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Up to 40,000 Skywards Miles: 15,000 on joining-fee payment; 15,000 on USD 10,000 spend within the first 3 billing statements; 10,000 on USD 3,750 Emirates spend within the first 12 billing statements. Subject to current offer terms.
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (No annual fee under the current promotion; standard renewal AED 735 per the Schedule of Charges.)
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Visa Flexi
Qualifying general retailQualifying general spend; top-page advertised rate may be up to. Reduced categories and per-statement caps apply.
Up to 1.5 Plus Points per AED 100Advertised upper bound
Supermarkets, groceries, insurance and car dealersOnly these issuer-defined reduced categories; per-statement caps apply.
0.4% as ENBD Plus PointsSource-stated qualifying rate
Fuel, utilities, real estate and educationOnly these issuer-defined reduced categories; per-statement caps apply.
0.2% as ENBD Plus PointsSource-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Visa Flexi
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
Confirm with issuer
The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion; standard renewal AED 735 per the Schedule of Charges.)
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (No annual fee under the current promotion; standard renewal AED 735 per the Schedule of Charges.)
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Visa Platinum
Qualifying general retailQualifying general spend; top-page advertised rate may be up to. Reduced categories and per-statement caps apply.
Up to 1.5 Plus Points per AED 100Advertised upper bound
Supermarkets, groceries, insurance and car dealersOnly these issuer-defined reduced categories; per-statement caps apply.
0.4% as ENBD Plus PointsSource-stated qualifying rate
Fuel, utilities, real estate and educationOnly these issuer-defined reduced categories; per-statement caps apply.
0.2% as ENBD Plus PointsSource-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Visa Platinum
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
Confirm with issuer
The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion; standard renewal AED 735 per the Schedule of Charges.)
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 12,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Voyager World Credit Card
Voyager Travel PortalVoyager World column, not World Elite. Listed reduced MCC/EU-UK spend earns 25% or 10% of base, and a 100,000-Mile per-statement cap applies. Product percentage marketing does not replace native FAQ/terms units.
6 Voyager Miles per AED 1Source-stated qualifying rate
Other qualifying flight/hotel travel spendVoyager World column, not World Elite. Listed reduced MCC/EU-UK spend earns 25% or 10% of base, and a 100,000-Mile per-statement cap applies. Product percentage marketing does not replace native FAQ/terms units.
3 Voyager Miles per AED 1Source-stated qualifying rate
Qualifying other retailVoyager World column, not World Elite. Listed reduced MCC/EU-UK spend earns 25% or 10% of base, and a 100,000-Mile per-statement cap applies. Product percentage marketing does not replace native FAQ/terms units.
0.5 Voyager Miles per AED 1Source-stated qualifying rate
Native miles-per-AED units are confirmed. Reduced categories/EU-UK earn 25% or 10% of base; native per-statement cap applies. No unconditional all-spend or total annual return is calculated.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Voyager World Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 0
The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Smiles Visa Signature Card
Qualifying UAE spendSmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
10 Smiles Points per AED 5Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEASmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
15 Smiles Points per AED 5Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEASmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
6 Smiles Points per AED 5Source-stated qualifying rate
Qualifying Smiles app spendSmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
30 Smiles Points per AED 5Source-stated qualifying rate
Issuer-defined specific merchantsSmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
1 Smiles Points per AED 5Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Smiles Visa Signature Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,258.95
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Year-one waived, AED 100,000 annual spend ongoing (Free for the first year. AED 997.50 (incl. VAT) from year two, waived if eligible retail spend exceeds AED 100,000 in the previous year (RAKMoney transfers, balance transfers, credit-card cheques and cash transactions are excluded).)
Eligibility
Minimum salary
AED 20,000/mo
UAE residents
Salaried
Self-employed
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for RAKBANK World Credit Card
Everything else
Pending
Current KFS includes additional mobile-wallet and ordinary-retail caps absent from stored rates. Full current rewards terms and exclusions remain unreadable in this archive.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for RAKBANK World Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 997.50
The published cap limits this example.
Waiver terms: Year-one waived, AED 100,000 annual spend ongoing (Free for the first year. AED 997.50 (incl. VAT) from year two, waived if eligible retail spend exceeds AED 100,000 in the previous year (RAKMoney transfers, balance transfers, credit-card cheques and cash transactions are excluded).)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 25,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Marriott Bonvoy World Elite Mastercard
Participating Marriott hotels and resortsParticipating Marriott hotels/resorts only; additional to programme earnings.
6 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Qualifying general retail including diningQualifying general retail only, excluding the reduced categories and geography conditions below.
3 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Grocery, insurance, car dealers and qualifying fast foodNamed reduced categories. Fast-food transactions above USD 25 earn the higher general-retail rate.
0.75 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Listed bills and other reduced categoriesReal estate, education, petroleum, government, car-hailing, food-delivery aggregators, utilities and telecom. EU/UK spend earns 50% of international spend points.
0.3 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Marriott Bonvoy World Elite Mastercard
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,575
The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Up to 200,000 Marriott Bonvoy points: 100,000 on card activation and joining-fee payment, plus 100,000 on USD 15,000 qualifying retail spend in the first 3 billing statements. Preserve the USD threshold; no approximate AED threshold or 90-day window is assumed.
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 30,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Darna Visa Infinite
Participating Aldar retailersNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
100 Darna Points per AED 100Source-stated qualifying rate
Qualifying non-Aldar general spendNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
15 Darna Points per AED 100Source-stated qualifying rate
Listed reduced grocery/fast-food/insurance/car-dealer categoriesNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
3.75 Darna Points per AED 100Source-stated qualifying rate
Listed reduced bills and government categoriesNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
1.5 Darna Points per AED 100Source-stated qualifying rate
EU and UK spendNamed current tier only. Aldar properties and education are excluded from headline earn qualification. Listed reduced categories and exclusions apply; monthly native points cap applies. Ten Darna Points redeem for AED 1.
15 Darna Points per AED 100Source-stated qualifying rate
Headline Aldar rewards exclude Aldar properties and education. Non-Aldar grocery, fast food, insurance/car dealerships, listed bills and EU/UK spend have source-stated reduced rates. Named native-unit rows and monthly caps replace an unconditional all-spend estimate.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Darna Visa Infinite
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,575
The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Up to 15,000 Darna Points: 7,500 on payment of joining fee and 7,500 on AED 20,000 spend in the first 3 months. Automatic Darna Platinum status. The separate linked YOUGotaGift campaign ended on 28 February 2026.
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 30,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Etihad Guest Visa Elevate
Etihad Airways spendEtihad Airways only; not all travel.
10 Etihad Guest Miles per AED 10Source-stated qualifying rate
Hotels and diningHotels and dining only; issuer qualifying spend terms apply.
PendingSource scope requires confirmation
Other qualifying spendAdvertised upper bound only. Full spend tiers and exclusions need the linked Etihad terms. The heading states per AED 10.
PendingSource scope requires confirmation
Issuer sources conflict. Product page and linked Etihad special-terms booklet state different hotels/dining and other-spend rates. Those rows remain Pending; the common Etihad-airfare row is preserved. No total return or winner is calculated.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Etihad Guest Visa Elevate
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,575
The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Up to 200,000 Etihad Guest Miles: 40,000 on joining-fee payment; 60,000 on AED 90,000 spend within 6 months; and 100,000 on AED 120,000 spend within 6 months. Check exact campaign eligibility. Gold fast-track requires an eligible return flight within 6 months.
10,000 SHARE Points on AED 40,000 spend in the first 3 months; joining-fee refund on the same threshold. The separate linked YOUGotaGift campaign ended on 31 May 2026.
Up to 100,000 Skywards Miles: 35,000 on joining-fee payment; 40,000 on USD 25,000 spend within the first 3 billing statements; 25,000 on USD 7,500 Emirates spend within the first 12 billing statements. Subject to current offer terms, not a 90-day unconditional award.
Up to 25,000 Upoints: 15,000 on activation and joining-fee payment, plus 10,000 on USD 10,000 qualifying retail spend in the first 3 billing statements. Grand Drive valet is redirected to China Town while expansion work continues.
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (The Emirati-specific product advertises First year free; the annual renewal fee remains separately stated. Confirm the exact application offer.)
Eligibility
Minimum salary
AED 30,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD U by Emaar Infinite (for Emiratis)
Qualifying Emaar spendEmaar purchases only; programme terms and exclusions apply.
7.5% as U by EmaarSource-stated qualifying rate
Qualifying other spendOther qualifying spend as advertised; programme exclusions/caps not independently reconciled from shared terms.
1.5% as U by EmaarSource-stated qualifying rate
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD U by Emaar Infinite (for Emiratis)
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 1,575
The published cap limits this example.
Waiver terms: Year-one waived (The Emirati-specific product advertises First year free; the annual renewal fee remains separately stated. Confirm the exact application offer.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
1.99% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 30,000/mo
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Visa Infinite
Qualifying general retailQualifying general spend; top-page advertised rate may be up to. Reduced categories and per-statement caps apply.
Up to 2 Plus Points per AED 100Advertised upper bound
Supermarkets, groceries, insurance and car dealersOnly these issuer-defined reduced categories; per-statement caps apply.
0.4% as ENBD Plus PointsSource-stated qualifying rate
Fuel, utilities, real estate and educationOnly these issuer-defined reduced categories; per-statement caps apply.
0.2% as ENBD Plus PointsSource-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Visa Infinite
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,575
The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
2.10% issuer processing fee including VAT; scheme charges may also apply
Year-one waived (Introductory waiver confirmed by product page. Ongoing fee-waiver conditions have not been typed; check current issuer terms.)
Eligibility
Minimum salary
AED 30,000/mo
UAE residents
Employment conditions pending
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for HSBC Cash+ Credit Card
Everything else
Pending
Cashback-eligible purchases are limited by the assigned credit-card limit. That unknown cap is not invented or modelled, so no total-return example is calculated. Periodic spend-triggered bonus cashback is also excluded from the base rate.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
What’s included for HSBC Cash+ Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,050
The published cap limits this example.
Confirm the joining fee with the issuer.
Waiver terms: Year-one waived (Introductory waiver confirmed by product page. Ongoing fee-waiver conditions have not been typed; check current issuer terms.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Up to 2.74% issuer FX charges including VAT; scheme charges may also apply
Eligibility
Minimum salary
AED 40,000/mo
Salary transfer required
UAE residents
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for FAB Elite Credit Card
Everything else
Pending
The issuer describes a monthly native-points cap. The former annual-labelled cap has been removed. The general spending model cannot apply the native cap reliably, so it does not estimate an unrestricted total return.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
No confirmed universal base earn rate is available.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Aldar Visa Infinite Card
Aldar Malls and Aldar HospitalityNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
200 Darna Points per AED 100Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row. Ecosystem/award scope is unresolved; see the source-conditions note.
40 Darna Points per AED 100Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row. Ecosystem/award scope is unresolved; see the source-conditions note.
10 Darna Points per AED 100Source-stated qualifying rate
Aldar Education and Aldar PropertiesNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. This is the named Aldar Education/Properties row, not all UAE spending. Ecosystem/award scope is unresolved; see the source-conditions note.
30 Darna Points per AED 100Source-stated qualifying rate
Issuer-defined specific merchantsNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
5 Darna Points per AED 100Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately. Product marketing says domestic spend; V31 labels the UAE row 'within UAE, at Aldar Education and Aldar Properties'. The named-merchant row does not establish a rate for all domestic spending. V31 eligibility clause 33.1 limits approved Qualifying Expenditure to the Participating Aldar Ecosystem, while 33.2 also lists non-AED international and EEA award rows. The ecosystem-versus-award-row scope remains unresolved; a null base rate or named local-merchant row does not resolve it. Do not present the eligibility and award-row wording as reconciled.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Aldar Visa Infinite Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,048.95
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Aldar Visa Platinum Card
Aldar Malls and Aldar HospitalityNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
120 Darna Points per AED 100Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row. Ecosystem/award scope is unresolved; see the source-conditions note.
30 Darna Points per AED 100Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row. Ecosystem/award scope is unresolved; see the source-conditions note.
5 Darna Points per AED 100Source-stated qualifying rate
Aldar Education and Aldar PropertiesNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. This is the named Aldar Education/Properties row, not all UAE spending. Ecosystem/award scope is unresolved; see the source-conditions note.
20 Darna Points per AED 100Source-stated qualifying rate
Issuer-defined specific merchantsNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
5 Darna Points per AED 100Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately. Product marketing says domestic spend; V31 labels the UAE row 'within UAE, at Aldar Education and Aldar Properties'. The named-merchant row does not establish a rate for all domestic spending. V31 eligibility clause 33.1 limits approved Qualifying Expenditure to the Participating Aldar Ecosystem, while 33.2 also lists non-AED international and EEA award rows. The ecosystem-versus-award-row scope remains unresolved; a null base rate or named local-merchant row does not resolve it. Do not present the eligibility and award-row wording as reconciled.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Aldar Visa Platinum Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 208.95
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Booking.com Visa Signature Card
Qualifying UAE spendNew Signature cards issued from 18 December 2023, section 25. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
0.5 Exceed Reward points per AED 100Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEANew Signature cards issued from 18 December 2023, section 25. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
1 Exceed Reward points per AED 100Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEANew Signature cards issued from 18 December 2023, section 25. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
0.125 Exceed Reward points per AED 100Source-stated qualifying rate
Issuer-defined specific merchantsNew Signature cards issued from 18 December 2023, section 25. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
0.125 Exceed Reward points per AED 100Source-stated qualifying rate
Qualifying airline expenditureNew Signature cards issued from 18 December 2023, section 25. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Per-transaction and statement-cycle native-point caps apply; see the source-conditions note.
2.5 Exceed Reward points per AED 100Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately. Issuer-stated equivalent value towards Exceed rewards; not cash cashback airlines per transaction points cap: 50 Exceed Reward points per transaction. airlines statement cycle points cap: 150 Exceed Reward points per statement cycle.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Booking.com Visa Signature Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 313.95
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Emirates Skywards Visa Signature Card
Qualifying UAE spendIssuer explicitly groups the named Visa tier with a legacy World tier for earning only; card identities/networks remain distinct. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
1 Skywards Miles per AED 3.68Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEAIssuer explicitly groups the named Visa tier with a legacy World tier for earning only; card identities/networks remain distinct. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
1.5 Skywards Miles per AED 3.68Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEAIssuer explicitly groups the named Visa tier with a legacy World tier for earning only; card identities/networks remain distinct. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
0.6 Skywards Miles per AED 3.68Source-stated qualifying rate
Emirates and flydubai direct sales channelsIssuer explicitly groups the named Visa tier with a legacy World tier for earning only; card identities/networks remain distinct. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
2.5 Skywards Miles per AED 3.68Source-stated qualifying rate
Issuer-defined specific merchantsIssuer explicitly groups the named Visa tier with a legacy World tier for earning only; card identities/networks remain distinct. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
0.25 Skywards Miles per AED 3.68Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Emirates Skywards Visa Signature Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,575
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Etihad Guest Visa Gold Card
Qualifying UAE spendNon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
1 Etihad Guest Miles per AED 4Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEANon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
1.5 Etihad Guest Miles per AED 4Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEANon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
0.6 Etihad Guest Miles per AED 4Source-stated qualifying rate
Issuer-defined specific merchantsNon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
0.5 Etihad Guest Miles per AED 4Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Etihad Guest Visa Gold Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,050
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Etihad Guest Visa Infinite Covered Card
Direct Etihad Airways spendNon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
3.5 Etihad Guest Miles per AED 4Source-stated qualifying rate
Qualifying UAE spendNon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
2.5 Etihad Guest Miles per AED 4Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEANon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
3.5 Etihad Guest Miles per AED 4Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEANon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
1.2 Etihad Guest Miles per AED 4Source-stated qualifying rate
Issuer-defined specific merchantsNon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
1 Etihad Guest Miles per AED 4Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Etihad Guest Visa Infinite Covered Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 3,150
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Etihad Guest Visa Platinum Card
Qualifying UAE spendNon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
2.2 Etihad Guest Miles per AED 4Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEANon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
3 Etihad Guest Miles per AED 4Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEANon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
1.2 Etihad Guest Miles per AED 4Source-stated qualifying rate
Issuer-defined specific merchantsNon self-funded regular card; excludes self-funded and Infinite Private cohorts. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
1 Etihad Guest Miles per AED 4Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Etihad Guest Visa Platinum Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 2,100
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Exceed Visa Covered Card
Qualifying UAE spendNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
0.5 Exceed Reward points per AED 100Source-stated qualifying rate
Non-AED qualifying spend outside the UAE, excluding the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
1 Exceed Reward points per AED 100Source-stated qualifying rate
Non-AED qualifying spend outside the UAE in the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.
0.125 Exceed Reward points per AED 100Source-stated qualifying rate
Issuer-defined specific merchantsNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
0.125 Exceed Reward points per AED 100Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately. Issuer-stated equivalent value towards Exceed rewards; not cash cashback
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Exceed Visa Covered Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 103.95
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Marriott Bonvoy ADIB Visa Infinite Card
Participating Marriott hotels and qualifying Marriott outletsMarriott Bonvoy ADIB Visa Infinite contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Direct charges at Participating Hotels, standalone Marriott-branded retail establishments and Marriott-branded online stores (including Marriott-branded gift cards), in each case wholly owned or managed by Marriott International or its affiliates. Third-party bookings and independent branded outlets are not asserted eligible.
8 Marriott Bonvoy points per USD 1Source-stated qualifying rate
International spend excluding the EEAMarriott Bonvoy ADIB Visa Infinite contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
4 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Qualifying UAE spendMarriott Bonvoy ADIB Visa Infinite contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
3 Marriott Bonvoy points per USD 1Source-stated qualifying rate
EEA spendingMarriott Bonvoy ADIB Visa Infinite contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
1.5 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Issuer-defined specific merchantsMarriott Bonvoy ADIB Visa Infinite contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
0.5 Marriott Bonvoy points per USD 1Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Marriott Bonvoy ADIB Visa Infinite Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 2,625
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB Marriott Bonvoy ADIB Visa Signature Card
Participating Marriott hotels and qualifying Marriott outletsMarriott Bonvoy ADIB Visa Signature contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Direct charges at Participating Hotels, standalone Marriott-branded retail establishments and Marriott-branded online stores (including Marriott-branded gift cards), in each case wholly owned or managed by Marriott International or its affiliates. Third-party bookings and independent branded outlets are not asserted eligible.
3 Marriott Bonvoy points per USD 1Source-stated qualifying rate
International spend excluding the EEAMarriott Bonvoy ADIB Visa Signature contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
2 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Qualifying UAE spendMarriott Bonvoy ADIB Visa Signature contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
1.5 Marriott Bonvoy points per USD 1Source-stated qualifying rate
EEA spendingMarriott Bonvoy ADIB Visa Signature contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
1 Marriott Bonvoy points per USD 1Source-stated qualifying rate
Issuer-defined specific merchantsMarriott Bonvoy ADIB Visa Signature contractual earning clauses. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.
0.25 Marriott Bonvoy points per USD 1Source-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB Marriott Bonvoy ADIB Visa Signature Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 523.95
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB SHARE Visa Infinite Card
Participating SHARE ecosystemNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
6% value back in SHARE PointsSource-stated qualifying rate
Qualifying UAE spendNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
2% value back in SHARE PointsSource-stated qualifying rate
EEA spendingNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
0.5% value back in SHARE PointsSource-stated qualifying rate
International spend excluding the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
2% value back in SHARE PointsSource-stated qualifying rate
Issuer-defined specific merchantsNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
0.5% value back in SHARE PointsSource-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately. V31 eligibility clause 30.1.1 refers to qualifying expenditure in the Participating Ecosystem, while its award clauses also state local/international/specific-merchant rates. Preserve the clause distinction; do not present ecosystem eligibility language as a resolved universal-spend promise.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB SHARE Visa Infinite Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 1,048.95
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for ADIB SHARE Visa Platinum Card
Participating SHARE ecosystemNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
3% value back in SHARE PointsSource-stated qualifying rate
Qualifying UAE spendNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
1.25% value back in SHARE PointsSource-stated qualifying rate
EEA spendingNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
0.25% value back in SHARE PointsSource-stated qualifying rate
International spend excluding the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
1.25% value back in SHARE PointsSource-stated qualifying rate
Issuer-defined specific merchantsNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Ecosystem/award scope is unresolved; see the source-conditions note.
0.25% value back in SHARE PointsSource-stated qualifying rate
These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately. V31 eligibility clause 30.1.1 refers to qualifying expenditure in the Participating Ecosystem, while its award clauses also state local/international/specific-merchant rates. Preserve the clause distinction; do not present ecosystem eligibility language as a resolved universal-spend promise.
Estimated spend value
First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for ADIB SHARE Visa Platinum Card
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 208.95
The published cap limits this example.
Confirm the joining fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
1.99% issuer FX charges including VAT; scheme charges may also apply
Year-one waived (Product page: "Enjoy the first year for free (Annual fees: AED 1,575)". Issued to existing Emirates NBD Priority Banking customers only. Checked 15 October 2026.)
Eligibility
Invitation only
UAE residents
Salary-transfer conditions pending
Salaried
Top category
No universal base rate confirmed — see the source-qualified reward rows.
Earn rates for Emirates NBD Priority Banking Visa Infinite
Eligible transactions in the highest slabEligible per-transaction slab, not monthly aggregate. Reduced categories and caps apply.
5% as ENBD Plus PointsSource-stated qualifying rate
Eligible transactions in the middle slabEligible per-transaction slab; reduced categories and caps apply.
2% as ENBD Plus PointsSource-stated qualifying rate
Eligible transactions in the lowest slabEligible per-transaction slab; reduced categories and caps apply.
1% as ENBD Plus PointsSource-stated qualifying rate
Listed reduced categories and EU spendNamed categories and EU spend. Named reduced categories cap 1,000 points/statement; EU cap 500; overall 5,000/statement and 60,000/year.
1% as ENBD Plus PointsSource-stated qualifying rate
Native Plus Points and source-stated percentage rows are not unconditional cash returns. Cashback redemption is AED 0.75 per point, while selected non-cash redemptions are AED 1. Per-statement caps and exclusions apply.
Estimated spend value
First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver
Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.
What’s included for Emirates NBD Priority Banking Visa Infinite
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 1,575
The published cap limits this example.
Waiver terms: Year-one waived (Product page: "Enjoy the first year for free (Annual fees: AED 1,575)". Issued to existing Emirates NBD Priority Banking customers only. Checked 15 October 2026.)
Card image: adcb.com 
