Compare UAE Credit Cards by Salary and Rewards

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

The product advertises no annual fees as an exclusive current offer. The generic August 2026 KFS lists AED 840 joining and renewal fees; confirm the offer-specific waiver in writing. A permanent free-for-life promise was not established.

0.05 Plus Points per AED on eligible groceries, electronics, education, utilities and fuel after AED 5,000 statement spend; otherwise 0.015. Other eligible retail earns 0.005 Plus Points per AED. Cap 500 Plus Points per statement.

Buy 1 Get 1 at Cine Royal Cinemas with Diners card; up to 3 free tickets monthly · Complimentary lounge access; check each card network

Monthly interest rate: 3.69%. Bank FX charge: 1.99%.

Cash redemption model uses AED 0.75 per Plus Point. Electronics-specific earning cannot be isolated in the generic shopping category; approved credit-limit and merchant classifications apply.

Package contains a Mastercard Platinum and a Diners Club card.

5% Plus Points requires AED 5,000 statement spend; otherwise selected categories earn 1.5% Plus Points. Total capped at 500 Plus Points per statement.

Cashback redemption is AED 0.75 per Plus Point, minimum 500 points and AED 375 card balance. Certain other redemption channels give AED 1 per point.

Diners Cine Royal offer: up to three free tickets monthly, eligible online/app bookings and minimum-spend conditions; AED 125 + VAT service fee may apply below the spend condition.

Golf is conditional: product page advertises access; processing AED 30 and no-show/under-spend charges apply. Confirm Diners versus Mastercard entitlement in the booking portal.

Valet parking and airport transfers discontinued 5 April 2025.

ENBD bank FX fee 1.99% is additional to approximately 1.15% scheme processing and any acquirer markup.

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

Plus Points earning

Cashback redemption

Golf conditions

Official Duo artwork shows both the Mastercard and Diners Club cards. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

5% on eligible domestic supermarkets, fashion and dining, each capped AED 150/month; 3% on eligible international spend; 1% other eligible retail and 0.15% selected MCCs. Cashback is processed through FAB Rewards.

Four AED 20 standard 2D tickets monthly at Reel, Cine Royal and Star Cinemas after AED 3,000 monthly spend; below-threshold discounts can be charged back. · Up to 8 annual visits for cardholder and 6 for guest; qualifying transaction and network conditions apply

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

General shopping uses the base rate because fashion MCCs cannot be identified from the generic shopping input. Previous-calendar-month threshold, total cap and issuer-approved credit-limit restriction apply.

Published AED 300 annual fee is modelled as AED 315 including 5% VAT.

AED 3,000 spend in the preceding month unlocks rewards. A new card is modelled with no rewards in month one, then 11 qualifying months.

Groceries and dining each capped at AED 150 monthly; total cashback capped at AED 1,000 or rewards earned up to the credit limit.

Education and utilities are modelled at the published select-category rate of 0.15%; merchant classification and bank-channel exclusions apply. Fuel is modelled as other eligible retail at 1%.

Fashion also earns 5%, capped AED 150/month; generic Online Shopping input does not imply fashion eligibility.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Current October 2026 terms confirm the preceding-calendar-month spend gate; international currency takes precedence over the domestic 5% category rate.

Credit card fees (July 2026)

Cashback terms (October 2026 version 2)

Cinema terms (May 2026)

Current original FAB Mastercard World artwork; transparent bank-hosted PNG downloaded unchanged on 18 October 2026. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

No cinema benefit verified. · No complimentary access verified

Monthly profit rate: 3.75%. Bank FX charge: 2.415%.

Annual fee AED 99 plus 5% VAT = AED 103.95.

No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.

Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.

Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.

New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.

Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.

Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.

The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.

Official product-specific reward terms

Official card key facts

Official card comparison

Official current card fees

Official notices

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

35,000 miles after joining-fee payment; another 40,000 after USD 25,000 retail spend in the first three billing statements. A separate 25,000 requires USD 7,500 Emirates purchases in the first twelve billing statements and is excluded from generic spend. Joining fee must be paid within the third statement cycle.

Qualifying welcome value: AED 1,925.

Fees, rewards & eligibility

1 Skywards miles per USD equivalent on eligible general domestic retail; 1.5 miles for non-EU/UK foreign retail. Bank uses USD 1 = AED 3.672. Domestic groceries earn 25% and selected essentials 10% of domestic base.

Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.

Monthly interest rate: 3.25%. Bank FX charge: 1.99%.

35,000 miles after joining-fee payment; another 40,000 after USD 25,000 retail spend in the first three billing statements. A separate 25,000 requires USD 7,500 Emirates purchases in the first twelve billing statements and is excluded from generic spend. Joining fee must be paid within the third statement cycle.

Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.75 miles per USD. Approved credit limit or AED 100,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.

Joining fee AED 3,148.95 applies in year one; renewal annual fee AED 1,575.

Current issuer conversion rate USD 1 = AED 3.672 is used, replacing the generic AED 3.6725 assumption.

ENBD international transaction fee is 1.99%, additional to approximately 1.15% scheme processing and acquirer markup, if any.

Golf access is conditional: two bookings/month, AED 30 processing fee and AED 5,000 spend in benefit-use month; AED 249 can apply for no show / under-spend.

Paid Express Miles programme is excluded.

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

Skywards earning and bank conversion rate

Skywards programme terms

Lounge qualification

Golf terms

Cinema terms

Original current conventional Emirates NBD Skywards Visa Infinite PNG, downloaded unchanged from the official product page. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Regular 55,000 Etihad Guest miles on qualifying activation and annual-fee payment. Incremental October–November campaign stages are calculated separately.

Qualifying welcome value: AED 2,750.

Fees, rewards & eligibility

3.5 Etihad Guest miles per AED 10 on eligible domestic retail; 6 per AED 10 foreign retail. Supermarket, utilities, fuel/conveyance, education/government earn 1.5 miles per AED 10 domestically and internationally.

6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold use can be charged back. · Worldwide lounge access; bank conditions apply

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Regular 55,000 Etihad Guest miles on qualifying activation and annual-fee payment. Incremental October–November campaign stages are calculated separately.

AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.

VAT-inclusive annual fee is AED 2,625.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Monthly reward cap is 55,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.

Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.

Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.

October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.

Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.

Credit card fees (July 2026)

Etihad earning / caps / welcome FAQ

October–November acquisition campaign terms

Cinema eligibility and spend

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 500 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 100. Amount/window must match digital application;60days in forecast is approximate.

Qualifying welcome value: AED 500. Requires AED 5,000 spend within 60 days.

Fees, rewards & eligibility

50% off up to eight Deluxe-Plus Cinepolis tickets monthly at Oasis Mall, Sharjah through 31 December 2026. Website/app only; mobile wallets excluded. Separate from the paid-card VOX/Reel/Novo offer. · No complimentary access verified

Monthly interest rate: 3.85%. Bank FX charge: 2.89%.

AED 500 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 100. Amount/window must match digital application;60days in forecast is approximate.

September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.

Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.

Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.

No spend minimum for regular cashback. Domestic selected services earn 0.15%, dining earns 5%, other eligible retail earns 1%. Bank-channel bills are excluded. Redemption minimum AED 100; 36-month expiry and 12-month inactivity forfeiture apply.

The introductory 20% merchant offer lasts the first four months, capped at AED 50 per merchant per month. Selected direct merchants only; Apple Pay, Google Pay and bank-channel payments excluded. Not assumed in forecast.

Current product

September2026 KFS

Current welcome terms

Cashback supplemental terms

20% merchant introductory offer

Cinepolis2026terms

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

No cinema benefit verified. · No complimentary access verified

Monthly interest rate: Confirm with bank. Bank FX charge: Confirm with bank.

Assumes the eligible Plus plan at AED 49/month. No deduction is made for My Money cashback already using the shared monthly cap. Salary or balance fee waivers, actual plan, merchant classification and approved limits can change the result.

The unsecured card minimum salary is AED 7,000. Salary-plan account eligibility is separate: generally AED 15,000, or AED 5,000 at partner companies.

Standard plan earns no cashback. Eligible credit purchases earn 2%; utility, government and real-estate payments earn 0.5%. The AED 2,500 monthly cap is shared with My Money account cashback. Cash equivalents, wallet funding and crypto are excluded.

The estimate includes Plus plan fees of AED 49/month including VAT. Plus fees are waived at AED 35,000 qualifying average balance; an eligible Salary plan is free. Neither waiver is automatically assumed.

The September tariff lists Plus rollover at 3.25% monthly and Salary at 2.29%, while Salary marketing says from 2.49%. The credit KFS directs customers to their individual in-app offer; no universal rate is asserted.

The August KFS separately describes a deposit-backed card with a limit up to 80% of the locked deposit. Its eligibility is separate from this unsecured card salary filter.

Exact credit-card FX pricing could not be isolated from debit-card pricing. Confirm the applicable credit transaction charges in the app.

Wio Personal Credit KFS version5, August2026

Wio September2026 schedule

Wio Salary plan: separate eligibility

Official Wio Card artwork; the same physical Mastercard supports debit and approved credit use. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Buy 1 Get 1; AED 6,000 monthly spend required · 12 annual Visa Airport Companion visits for cardholders; make an international purchase equivalent to at least one US currency unit once per calendar year, at least 15 days before travel.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.

Includes the AED 600 qualifying spend stage; wallet and supplementary-card actions remain excluded. Direct merchant school/utility payments earn 0.5%. All projected spend must be eligible retail within the assigned credit limit.

General income minimum AED 12,500; AED 5,000 is restricted to approved-company employees. Credit approval is separate.

AED 3,000 statement retail spend activates dining 6%, fuel 5%, supermarkets and entertainment 2%, each capped at AED 200 per category. Other eligible retail, including direct school and utility payments, earns 0.5%; below the threshold all eligible retail earns 0.5%.

Only eligible merchant retail is modelled; instalment plans, cash equivalents, bank fees, reversals and spend beyond the assigned credit limit are excluded. Entertainment is not a separate matcher input.

Cinema BOGO requires AED 6,000 in the booking month. Twelve annual Visa Airport Companion lounge visits require the stated international purchase and advance processing window.

Bank foreign currency processing is 2.1% including VAT. A separate scheme processing fee up to 1.21% including VAT can apply. Overseas AED processing is 1.05%; these are not all-in currency conversion costs.

Annual fee AED 313.95 including VAT; first-year waiver campaign requires approval by 31 December 2026. Later waiver requires AED 12,000 yearly spend.

Live+ category and direct-merchant terms

Current HSBC tariff, effective 6 October 2026

Official campaign terms

Official campaign terms

Official bank promotional artwork depicting this card. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 365. Requires AED 5,000 spend within 45 days.

Fees, rewards & eligibility

3% domestic groceries, 6% domestic dining, 5% fuel/Salik and eligible direct digital/AI subscriptions; 0.5% selected categories/EU retail, 1% other eligible retail. AED 5,000 monthly minimum; AED 1,000 cap.

VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary. · No complimentary access verified

Monthly profit rate: 3.69%. Bank FX charge: 2.99%.

Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.

AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.

Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.

International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.

Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.

First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.

Islamic schedule specifically publishes 3.69% monthly profit for cards issued from 1 January 2023; older cards have a different rate. No conventional rate was substituted.

Current product

Current Islamic schedule, September 2026

June 2026 eligibility guide

Supplemental terms; conventional June2026, Islamic link may retain older category table

VOX usage guide June2026

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

15,000 miles after joining-fee payment; another 15,000 after USD 10,000 retail spend in the first three billing statements. A separate 10,000 requires USD 3,750 Emirates purchases in the first twelve billing statements and is excluded from generic spend. Joining fee must be paid within the third statement cycle.

Qualifying welcome value: AED 825.

Fees, rewards & eligibility

Product hero lists 0.37 miles/USD for EU/UK, while the dedicated current earning table and the same product explanation specify 50% of international rate, i.e. 0.5. The forecast assumes non-EU/UK and flags this conflict.

0.75 Skywards miles per USD equivalent on eligible general domestic retail; 1 miles for non-EU/UK foreign retail. Bank uses USD 1 = AED 3.672. Domestic groceries earn 25% and selected essentials 10% of domestic base.

Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.

Monthly interest rate: 3.69%. Bank FX charge: 1.99%.

15,000 miles after joining-fee payment; another 15,000 after USD 10,000 retail spend in the first three billing statements. A separate 10,000 requires USD 3,750 Emirates purchases in the first twelve billing statements and is excluded from generic spend. Joining fee must be paid within the third statement cycle.

Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.5 miles per USD. Approved credit limit or AED 50,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.

Joining fee AED 1,573.95 applies in year one; renewal annual fee AED 735.

Current issuer conversion rate USD 1 = AED 3.672 is used, replacing the generic AED 3.6725 assumption.

ENBD international transaction fee is 1.99%, additional to approximately 1.15% scheme processing and acquirer markup, if any.

Golf access is conditional: two bookings/month, AED 30 processing fee and AED 5,000 spend in benefit-use month; AED 249 can apply for no show / under-spend.

Paid Express Miles programme is excluded.

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

Skywards earning and bank conversion rate

Skywards programme terms

Lounge qualification

Golf terms

Cinema terms

Official issuer artwork. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Two Free Night Awards after USD 6,000 cumulative retail spend in the first three billing statements; each is limited to a hotel redemption level of 35,000 Bonvoy points, with up to 15,000 own points top-up permitted. A further 35,000-point-level award is advertised on anniversary. Certificates and targeted merchant vouchers are excluded from cash forecast.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Current product explicitly advertises free for life and annual fee 0; generic August 2026 KFS lists AED 315 joining and renewal. Product page finance rate 3.25% conflicts with tariff 3.69%. Fee waiver and individual finance pricing must be confirmed in the issued agreement.

1.5 Bonvoy points per AED 3.6725 equivalent on general retail. Reduced MCC and European rates apply; Marriott hotel spending earns more.

Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply. · Mastercard Travel Pass lounge benefit; current registration and qualifying-spend rules apply.

Monthly interest rate: Confirm with bank. Bank FX charge: 1.99%.

Two Free Night Awards after USD 6,000 cumulative retail spend in the first three billing statements; each is limited to a hotel redemption level of 35,000 Bonvoy points, with up to 15,000 own points top-up permitted. A further 35,000-point-level award is advertised on anniversary. Certificates and targeted merchant vouchers are excluded from cash forecast.

Bonvoy AED value is an illustrative AED 0.025/point. Generic foreign spending assumes non-EU/UK; approved credit limit and merchant/transaction-specific rates apply.

Current product-specific free-for-life offer is shown as AED 0; the conflicting generic KFS tariff of AED 315 is disclosed.

Product page finance rate is 3.25% monthly; the generic tariff says 3.69%. An exact universal finance charge is not asserted; confirm the issued agreement.

The bank FX fee 1.99% is additional to approximately 1.15% network processing and any acquirer charges.

General retail earns 1.5 Bonvoy points/USD; groceries/insurance/car dealership/fast food 0.375; selected essentials 0.15. Fast-food transactions over USD 25 earn 1.5 points/USD.

Foreign EU/UK purchases earn 50% of the international rate. Special hotel earning and restricted certificates are excluded from generic forecast.

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

Targeted merchant voucher campaign

Cinema conditions

The card face has no visible World tier inscription; the official product-page URL, image filename and alt text marriottbonvoyworldmastercard verify this is the World product. Do not substitute the World Elite card. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

15,000 U Points on activation and joining-fee payment; another 10,000 after AED 36,725 equivalent in three billing statements.

Qualifying welcome value: AED 1,500.

Fees, rewards & eligibility

1.5% back as U Points on other eligible retail; up to 7.5% at eligible Emaar brands.

Buy 1 Get 1 at Reel Cinemas: up to three free tickets / six total tickets per month, after AED 5,000 monthly spend. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.

Valet: Selected Emaar valet locations. China Town Dubai Mall replaced Grand Drive from May 2025; app / OTP booking rules apply.

Monthly interest rate: 3.25%. Bank FX charge: 1.99%.

15,000 U Points on activation and joining-fee payment; another 10,000 after AED 36,725 equivalent in three billing statements.

Base 1.5% value is paid in U Points. Groceries/selected retail earn 25% of base and selected essentials 10%; EU-origin spending earns 25% of base. Statement cap 83,333 U Points equals AED 8,333.30 at the issuer redemption rate. Emaar-specific higher earning, transaction exclusions, approved credit limits and geography can affect actual rewards.

General U By Emaar Infinite is distinct from the Emirati Infinite product.

Joining fee AED 2,625 applies in year one; AED 1,575 renewal fee. Fifteen thousand joining U Points require activation and joining-fee payment.

Additional 10,000 U Points requires USD 10,000 cumulative retail purchases in first three billing statements. The generic AED 36,725 conversion is a model approximation; the bank condition is in USD.

Ten U Points redeem as AED 1 at participating Emaar entities.

Official earning support confirms reduced MCCs: 25% of base on groceries, fast food, insurance and car dealership; 10% on fuel, transit, government, utilities, real estate, education and telecom. EU-origin spend earns 25% of base.

Reel cinema: AED 5,000 in benefit-use month; maximum six total tickets / three free monthly. Valet moved from Grand Drive to China Town from 1 May 2025; use app OTP.

Golf is conditional: AED 5,000 spend in benefit-use month and AED 30 processing fee; under-spend / no-show charges apply.

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

Upoints earning / MCC reductions / cap

Upoints redemption

Visa lounge qualification

This is the general U By Emaar Infinite product page, not the separately named U by Emaar Visa Infinite Emirati Credit Card. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

10,000 SHARE Points = AED 1,000, plus joining-fee refund after AED 40,000 in three months. Renewal fee is not a free-for-life promise.

Qualifying welcome value: AED 0. Requires AED 40,000 spend within 90 days.

Fees, rewards & eligibility

1.5% back as SHARE Points on other retail; 8% at eligible SHARE malls and Carrefour. Outside SHARE, reduced-category earning applies.

Buy 1 Get 1 at VOX Cinemas through eligible online/app bookings; AED 5,000 spend in the month of benefit use, with benefit chargeback below threshold. Monthly ticket and format limits apply. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.

Monthly interest rate: 3.25%. Bank FX charge: 1.99%.

10,000 SHARE Points = AED 1,000, plus joining-fee refund after AED 40,000 in three months. Renewal fee is not a free-for-life promise.

SHARE points redeem at ten points per AED. Foreign spending assumes general retail outside EU/UK; EU/UK earns 0.375%. Grocery input assumes a non-SHARE merchant, not Carrefour. Actual Carrefour/SHARE mall spend can earn 8%; generic input cannot identify merchant eligibility.

AED 1,575 joining and renewal fees are VAT-inclusive. Joining fee is refunded after AED 40,000 eligible retail spending in the first three months.

Separate welcome award is 10,000 SHARE Points = AED 1,000 after the same AED 40,000 / three-month threshold; it must not be counted again as an incremental campaign bonus.

General eligible retail earns 1.5%; groceries/fast food/insurance/car dealerships outside SHARE and EU/UK purchases earn 0.375%; selected essential categories 0.15%.

Eligible Carrefour / SHARE mall purchases earn 8%, subject to the actual qualifying merchant and SHARE terms.

Golf requires AED 5,000 spend in benefit-use month and AED 30 processing fee; no-show and under-spend charges apply.

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

VOX monthly spend and chargeback rules

Visa lounge qualification

Official issuer artwork. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Regular 35,000 Etihad Guest miles on activation and fee payment. Campaign additional miles are separate.

Qualifying welcome value: AED 1,750.

Fees, rewards & eligibility

2.75 Etihad Guest miles per AED 10 on eligible domestic retail; 4.5 per AED 10 foreign retail. Supermarket, utilities, fuel/conveyance, education/government earn 1.5 miles per AED 10 domestically and internationally.

4 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 4,000 monthly spend; below-threshold use can be charged back. · Unlimited access to over 1,000 lounges for the cardholder; programme conditions apply.

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Regular 35,000 Etihad Guest miles on activation and fee payment. Campaign additional miles are separate.

AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.

VAT-inclusive annual fee is AED 1,575.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Monthly reward cap is 30,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.

Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.

Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.

October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.

Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.

Credit card fees (July 2026)

Etihad earning / caps / welcome FAQ

October–November acquisition campaign terms

Cinema eligibility and spend

Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

6% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 3% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.

4 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 4,000 monthly spend; below-threshold discounts may be charged back. · Access to over 1,000 lounges for cardholder; network qualifying rules apply.

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.

Reward currency is Al-Futtaim FAB Rewards, distinct from standard FAB Rewards and Blue app points. Terms equate 200 Al-Futtaim FAB Rewards to AED 1 of cashback value.

No annual membership fee; minimum salary 15,000 AED.

Monthly cashback-equivalent cap is AED 3,000.

Selected supermarkets, education, utilities/government, fuel, charities, transport, rental, insurance and fast-food MCCs earn 0.15%; participating Al-Futtaim merchant rates need actual merchant identification.

Dubai Festival City / Festival Plaza Al-Futtaim mall gift-card purchases do not earn Al-Futtaim FAB Rewards. Rewards expire two years from the last day of the earning month.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Credit card fees (July 2026)

Al-Futtaim FAB Rewards terms (February 2025 v4)

Cinema monthly spend and ticket eligibility

Blue FAB and Al-Futtaim FAB are names associated with the same current co-brand family. This record is specifically the Signature tier. Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Emirati-only acquisition campaign: AED 5,000 as 1,000,000 Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in EACH of the first three 30-day cycles from issuance. Applications 24 September–23 November 2026. Excluded from generic forecast because nationality and prior-card conditions cannot be assumed.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

8% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 4% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.

6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold discounts may be charged back. · Access to over 1,000 lounges for cardholder and one guest; network qualifying rules apply.

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Emirati-only acquisition campaign: AED 5,000 as 1,000,000 Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in EACH of the first three 30-day cycles from issuance. Applications 24 September–23 November 2026. Excluded from generic forecast because nationality and prior-card conditions cannot be assumed.

Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.

Reward currency is Al-Futtaim FAB Rewards, distinct from standard FAB Rewards and Blue app points. Terms equate 200 Al-Futtaim FAB Rewards to AED 1 of cashback value.

No annual membership fee; minimum salary 40,000 AED.

Monthly cashback-equivalent cap is AED 4,000.

Selected supermarkets, education, utilities/government, fuel, charities, transport, rental, insurance and fast-food MCCs earn 0.15%; participating Al-Futtaim merchant rates need actual merchant identification.

Dubai Festival City / Festival Plaza Al-Futtaim mall gift-card purchases do not earn Al-Futtaim FAB Rewards. Rewards expire two years from the last day of the earning month.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Credit card fees (July 2026)

Al-Futtaim FAB Rewards terms (February 2025 v4)

Cinema monthly spend and ticket eligibility

Blue Infinite Emirati welcome campaign

Blue FAB and Al-Futtaim FAB are names associated with the same current co-brand family. This record is specifically the Infinite tier. The primary image is the bank's tilted single-card composition with shadow and transparent surrounding space. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Issuer materials conflict: marketing says no minimum spend and different headline caps; detailed table and programme terms give AED 3,000 previous-calendar-month qualifying spend, AED 150/category and AED 1,000 total for expats (AED 200/category and AED 1,500 total for UAE nationals). Programme clauses 7 and 8 also contradict each other. Conservative expat schedule is used; confirm issued terms with FAB.

Detailed expat schedule: 5% groceries, fuel and dining, capped at AED 150 each; 3% foreign retail and 1% other eligible spend. Selected MCCs earn 0.15%.

No cinema benefit verified. · Mastercard World lounge benefit for cardholder and one guest; qualifying conditions apply.

Monthly profit rate: 3.99%. Bank FX charge: 2.61%.

Conservative detailed expat schedule and previous-calendar-month spend gate used while conflicting issuer copy remains. Visitor nationality, card-specific merchant classification and approved limit affect actual awards.

Conservative detailed expat schedule: 5% groceries/fuel/dining, each capped AED 150/month; 3% non-AED, 1% other eligible and 0.15% selected MCCs, AED 1,000 overall cap.

Detailed programme terms require AED 3,000 in the preceding calendar month; this model therefore assumes no rewards in the first calendar month. Marketing no-minimum-spend wording and clause 8 conflict and remain unresolved.

UAE-national detailed caps differ: AED 200 for each accelerated category and AED 1,500 overall.

Annual membership fee AED 300 excluding VAT = AED 315; retail profit rate up to 3.99% monthly.

The separate Islamic fee schedule states 2.61% international fee + 1.15% scheme charges and says fees inclusive of VAT unless otherwise specified; do not apply the conventional FAB extra-VAT fee assumption to this record.

Commodity Murabahah structure. Non-Shariah-compliant merchant types are blocked. Zero-profit instalment conversions and financial/fee transactions do not earn cashback.

Islamic fees (October 2025, currently linked)

Cashback Islamic programme terms

The official page browser title says Islamic Cashback Credit Card, while its visible H1 names the product FAB Cashback Islamic Credit Card. Use the H1 name. Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Current linked campaign runs 1–31 October 2026, not September. AED 250 reward excluded from forecast because the public terms omit the numerical spend threshold.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

General eligible retail: 1.25% with AED 5,000 monthly spend, or 1% with AED 1,000–4,999; selected MCCs/EU retail 0.75%. School fees and ADCB bill channels excluded conservatively.

Buy 1 Get 1 at Reel Cinemas: up to two complimentary tickets per month, offer currently ends 31 December 2026. · Four visits per year to 25+ lounges through Mastercard Travel Pass; qualifying non-AED transaction conditions apply.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Current linked campaign runs 1–31 October 2026, not September. AED 250 reward excluded from forecast because the public terms omit the numerical spend threshold.

Direct utility merchant assumed at 0.75%. Education/school ambiguity and assigned credit limit are limitations; unknown October acquisition threshold is excluded.

Free annual membership under the September 2026 VAT-inclusive schedule. Bank FX margin 2.99%; card-network conversion is separate.

AED 1,000 minimum monthly purchases to earn; general retail earns 1% below AED 5,000 and 1.25% from AED 5,000. Selected categories, including eligible direct utility merchants and EU merchants, earn 0.75%; cap AED 1,000 monthly, with earning spend limited to credit limit.

Bank-channel bills are excluded. School fees remain excluded conservatively; the guide also lists education MCCs at 0.75%, so check the specific payment.

International model assumes eligible non-EU other retail; EU merchant transactions earn 0.75%.

Official fees / key facts

Current product

VAT-inclusive schedule

Merchant guide

Current acquisition PDF (same May2025 URL, October2026 content)

June2026 supplemental terms

Official filename says 400x25; decoded dimensions are 400x250. Larger promotional image matches the red Essential front on the current product page; the current product page uses a 160x102 WebP. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 1,200 Expedia two-night stay voucher after first-year annual-fee payment. Six-month validity and property restrictions apply; excluded from cash value.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Up to 1.5 TouchPoints per AED; 0.4 on supermarket / selected retail and 0.2 on education, fuel and other selected services. AED 15,000 monthly spend earns 15,000 extra points.

Buy 1 Get 1 at VOX Cinemas, up to four tickets per month. · Unlimited access to 1,200+ lounges with one guest via Visa Airport Companion; qualifying rules apply.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

AED 1,200 Expedia two-night stay voucher after first-year annual-fee payment. Six-month validity and property restrictions apply; excluded from cash value.

Partial benchmark assumes full-service dining and eligible non-UK/non-EEA general retail. Fast-food earns 0.4 TP/AED. Redemption value varies by use; verified bill redemption is 2,500 TouchPoints = AED 10. Assigned credit limit, refunds and card-standing conditions apply.

Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.

AED 1,050 is the standard Aspire annual fee; Excellency pricing is lower. Salary or minimum-credit-limit route applies.

International model assumes eligible non-UK/non-EEA general retail. UK/EEA merchants earn 0.4 TouchPoints per AED; fast-food restaurants, supermarkets, auto dealers and insurance also earn 0.4 domestically. Selected domestic services including fuel and education earn 0.2.

Golf requires AED 5,000 monthly spend and advance booking. Expedia voucher is restricted hotel credit, not cash.

Official fees / key facts

Current product

VAT-inclusive schedule

Supplemental TouchPoints terms

Current official redemption update

Official card front includes a sample cardholder, number and expiry; VISA Infinite identity is visible. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 2,000 Expedia hotel voucher after annual-fee payment and AED 15,000 spend within 60 days. Restricted hotel voucher excluded from cash value.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

1.5% on eligible domestic other retail; 10% eligible airline / hotel bookings. Other international retail earns no cashback. AED 5,000 monthly minimum and AED 1,500 cap apply.

50% cashback on eligible online movie-ticket purchases in AED; AED 5,000 monthly retail minimum and combined AED 1,500 monthly cashback cap apply. · 14 lounge visits per year with one guest through Mastercard Travel Pass; qualifying rules apply.

Monthly interest rate: 3.69%. Bank FX charge: 0%.

AED 2,000 Expedia hotel voucher after annual-fee payment and AED 15,000 spend within 60 days. Restricted hotel voucher excluded from cash value.

Direct domestic merchant retail is assumed at 1.5%; the bank can classify or exclude transactions. Airline, hotel and online-cinema spend is not assumed. Rewards are limited by assigned credit limit and AED 1,500 per month; no foreign general-retail cashback.

0% is the bank FX markup; approximately 1.15% network processing can remain.

Standard Aspire fee AED 1,575; Privilege / Excellency pricing is AED 787.50.

Current product and supplemental terms specify 1.5% on other domestic retail without a separate fuel, education or utility category exclusion. Model assumes direct domestic merchant purchases, net of nonqualifying transactions.

Golf requires AED 5,000 monthly spend, advance booking and availability.

International retail outside airline/hotel bookings earns no cashback. The 10% travel, 50% online cinema and restricted AED 2,000 Expedia hotel voucher are excluded unless suitable spend is supplied.

Official fees / key facts

Current product

VAT-inclusive schedule

Current linked Traveller supplemental terms effective2024-07-15

Use official spelling Traveller with double l. Transparent padding around a black, straight card front; Mastercard branding is visible. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 750 talabat credit for eligible new ADCB credit customers applying through the approved digital channel and spending AED 5,000 within 45 days. Existing customers receive a different offer.

Qualifying welcome value: AED 750. Requires AED 5,000 spend within 45 days.

Fees, rewards & eligibility

1.25% back as talabat credit on eligible other retail; selected MCCs and European retail earn 0.35%. Up to 35% on eligible talabat orders subject to spend / order caps.

Buy 1 Get 1 at Reel Cinemas: up to two complimentary tickets per month; current offer ends 31 December 2026. · Four annual visits to 25+ lounges via Mastercard Travel Pass; qualifying non-AED transaction required.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

AED 750 talabat credit for eligible new ADCB credit customers applying through the approved digital channel and spending AED 5,000 within 45 days. Existing customers receive a different offer.

Restricted talabat credit valued at face value only when used. No talabat-order attribution is assumed. International estimate assumes eligible non-UK/non-EEA retail; UK/EEA0.35%. School/fuel/grocery selected MCCs0.35%; bank bills excluded conservatively. Earning restricted to assigned credit limit.

Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.

Talabat monthly boost requires AED 2,500 total retail spend: 35% on the first ten orders, maximum AED 35 per order and AED 350 monthly. Otherwise 1.25%. General dining is not assumed to be ordered through talabat.

International benchmark assumes eligible non-UK/non-EEA retail at 1.25%; UK/EEA merchants earn 0.35%. Selected domestic MCCs also earn 0.35%.

Digital welcome credit: AED 750 for new ADCB credit customers or AED 200 for eligible existing customers. First issuance only; conversion and cancel-reapply excluded. Credit cannot be withdrawn as cash.

Talabat pro delivery minimums: AED 50 for food; AED 100 for pro-marked mart, grocery and pharmacy orders.

Official fees / key facts

Current product

VAT-inclusive schedule identifyingtalabatPlatinum

Talabat supplemental terms

Default orange-to-red design; the bank offers seven personalized card designs. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 750 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 200. Amount/window must match digital application;60days in forecast is approximate.

Qualifying welcome value: AED 750. Requires AED 5,000 spend within 60 days.

Fees, rewards & eligibility

10 Vantage points per AED on supermarket, fuel and dining; 2 on general retail and 0.5 on selected services.

50% off four tickets per billing cycle pooled across VOX, Reel and Novo via their websites/apps. Separate Cinepolis promotion: 50% off up to eight Deluxe-Plus tickets monthly at Oasis Mall, Sharjah through 31 December 2026. · Four complimentary lounge visits annually via LoungeKey, maximum two services per billing cycle after AED 7,000 retail purchases in the previous cycle. AED 110 per person per visit if the spend condition fails. Guest entitlement needs bank confirmation.

Monthly interest rate: 3.85%. Bank FX charge: 2.89%.

AED 750 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 200. Amount/window must match digital application;60days in forecast is approximate.

Verified cash redemption: 380 Mashreq Vantage points = AED 1 via Mashreq Mobile App. Vouchers and miles have different conversion values. Bill payments through Mashreq app/online do not earn. Merchant-specific perks are excluded.

September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.

Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.

Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.

Current redemption table, effective 13 June 2026: 380 points = AED 1 cashback; 288 points = AED 1 noon gift card; 303 points = AED 1 Amazon/POS value; 32 points = 1 Skywards mile; 22 points = 1 Etihad Guest mile; 17 points = 1 Avios. Cash redemption is the model benchmark.

10 Vantage points per AED on supermarket, fuel and dining applies to domestic transactions. International transactions earn 2 points per AED, including foreign category spending.

Official Vantage programme

Current product

September2026 KFS

Current welcome terms

Current Vantage earning/redemption

Current lounge terms

VOX/Reel/Novo cinema

Cinepolis2026terms

Transparent hero artwork with a tilted silver card and substantial padding; Platinum Plus and VISA labels are visible. Image filename says 780x350; decoded dimensions are 780x530. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 2,500 for eligible new credit customers after AED 9,000 within the bank's first two months. Existing-customer credit is AED 500. Amount/window must match digital application;60days in forecast is approximate.

Qualifying welcome value: AED 2,500. Requires AED 9,000 spend within 60 days.

Fees, rewards & eligibility

Up to 6 Vantage points per AED abroad, 4 on travel, 2 on general local retail; reduced categories earn less.

50% off eight tickets per billing cycle pooled across VOX, Reel and Novo, with no minimum spend. Book directly on cinema website/app. Separate Cinepolis eight-ticket monthly promotion at Oasis Mall, Sharjah through 31 December 2026. · 12 complimentary lounge visits per calendar year via Visa Airport Companion, shared with up to one guest per visit. Only two before an international transaction over USD 1 each calendar year; allow 15 days to reflect. Replaced cards must requalify.

Valet: Two complimentary valet services per billing cycle after AED 10,000 retail purchases in the previous cycle. Quota includes supplementary-card use; location and time limits apply.

Monthly interest rate: 3.85%. Bank FX charge: 2.89%.

AED 2,500 for eligible new credit customers after AED 9,000 within the bank's first two months. Existing-customer credit is AED 500. Amount/window must match digital application;60days in forecast is approximate.

Verified cash redemption: 380 Mashreq Vantage points = AED 1 via Mashreq Mobile App. Vouchers and miles have different conversion values. Bill payments through Mashreq app/online do not earn. Merchant-specific perks are excluded.

September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.

Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.

Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.

Current redemption table, effective 13 June 2026: 380 points = AED 1 cashback; 288 points = AED 1 noon gift card; 303 points = AED 1 Amazon/POS value; 32 points = 1 Skywards mile; 22 points = 1 Etihad Guest mile; 17 points = 1 Avios. Cash redemption is the model benchmark.

Conventional Visa Infinite, distinct from Islamic Emirati Solitaire. The lounge allowance is 12 visits annually, shared with eligible guest visits.

Six annual airport transfers, maximum one per month; golf, Fitness First, Marhaba and valet require AED 10,000 previous-cycle spending. Booking, guest and activity limits apply.

Supplementary annual fee is AED 630 including VAT. Travel insurance requires eligible tickets paid using Solitaire and policy conditions; no standalone cash value is assumed.

Official Vantage programme

Current product

September2026 KFS

Current welcome terms

Current Vantage earning/redemption

Current lounge terms

VOX/Reel/Novo cinema

Cinepolis2026terms

Valet terms effectiveJuly2026

Transparent official hero shows two tilted Solitaire card fronts; VISA Infinite label is visible. Conventional consumer Solitaire, distinct from Mashreq Al Islami Emirati Solitaire. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Verified standard non-self-funded welcome: 50,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 150,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

2.2 Etihad Guest miles per AED 4 local retail and 3 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.

No cinema benefit verified. · Four annual visits via Visa Airport Companion from 1 October 2026; app registration and current qualifying conditions apply.

Valet: Selected UAE valet locations; confirm current allowance.

Monthly profit rate: 3.75%. Bank FX charge: 2.415%.

Verified standard non-self-funded welcome: 50,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 150,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.

Non-self-funded annual fee includes VAT: AED 2,000 + 100 = 2,100. Self-funded Platinum pricing/earning differs.

Local retail earns 2.2 miles per AED 4; non-AED retail outside the EEA earns 3 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.

Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.

Verified standard non-self-funded welcome: 50,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 150,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.

Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.

Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.

Official reward and welcome terms

Official card key facts

Official card comparison

Official current fees

Official lounge/provider notices

Current Sharia-compliant covered card; title and product copy retain Visa Platinum while the page heading shortens it to ADIB Etihad Guest Platinum Card. Transparent tilted card with shadow; VISA Platinum is visible. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

2.5 Etihad Guest miles per AED 4 local retail and 3.5 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.

No cinema benefit verified. · Unlimited lounge access for cardholder and one guest via Visa Airport Companion; app registration and current qualifying conditions apply.

Valet: Four visits monthly through Valtrans at selected UAE locations.

Monthly profit rate: 3.75%. Bank FX charge: 2.415%.

Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.

Non-self-funded annual fee includes VAT: AED 3,000 + 150 = 3,150. Self-funded Platinum pricing/earning differs.

Local retail earns 2.5 miles per AED 4; non-AED retail outside the EEA earns 3.5 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.

Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.

Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.

Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.

Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.

Official reward and welcome terms

Official card key facts

Official card comparison

Official current fees

Official lounge/provider notices

Current consumer covered card with active Apply Now on the official product page. Separate product selected as replacement for Dana, not a Dana rename. Transparent tilted black card with shadow; VISA Infinite is visible. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

3 Walaa points per AED on eligible local spend; 3.5 points per AED international spend.

No cinema benefit verified. · 12 annual lounge visits with one guest via Visa Airport Companion. First visit complimentary; later visits require a foreign-currency purchase equivalent to USD 1 at an overseas merchant at least 15 days earlier, or USD 32 per usage.

Valet: Two monthly visits at selected locations; AED 8,000 monthly retail spend is required for complimentary use. Applicable location/service charges apply below threshold or beyond allowance.

Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.

A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.

Prime annual fee is zero under current schedule. Monthly Salam rate up to 3.69%; confirm personal contract.

Current schedule effective 12 October 2026: non-AED international usage fee 3.70%; overseas AED usage fee 3.14%.

Eligible local general retail earns 3 Walaa points/AED; eligible non-AED general retail earns 3.5. Supermarkets, telecom, education, petroleum, government/utilities, takaful, vehicle dealers, transport and real estate earn only 0.2 point/AED.

EU-origin retail earns no Walaa. DIB-channel utility/government bills, cash equivalents, funding, crypto and charity are excluded; other merchant exclusions apply.

No fixed AED redemption rate verified; earning points and free benefits are not assigned an invented cash value.

Current fees effective 12 October 2026

Official new covered-card key facts

Official valet spend conditions

Current official listing packshot, angled card perspective; small 248x190 source. The sample cardholder name is printed in the official artwork. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

2.5 Walaa points per AED on eligible local spend; 3 points per AED international spend.

No cinema benefit verified. · 8 annual lounge visits via Visa Airport Companion. First visit complimentary; later visits require a foreign-currency purchase equivalent to USD 1 at an overseas merchant at least 15 days earlier, or USD 32 per usage.

Valet: Two monthly visits at selected locations; AED 5,000 monthly retail spend is required for complimentary use. Applicable location/service charges apply below threshold or beyond allowance.

Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.

A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.

Prime annual fee is zero under current schedule. Monthly Salam rate up to 3.69%; confirm personal contract.

Current schedule effective 12 October 2026: non-AED international usage fee 3.70%; overseas AED usage fee 3.14%.

Eligible local general retail earns 2.5 Walaa points/AED; eligible non-AED general retail earns 3. Supermarkets, telecom, education, petroleum, government/utilities, takaful, vehicle dealers, transport and real estate earn only 0.2 point/AED.

EU-origin retail earns no Walaa. DIB-channel utility/government bills, cash equivalents, funding, crypto and charity are excluded; other merchant exclusions apply.

No fixed AED redemption rate verified; earning points and free benefits are not assigned an invented cash value.

Current fees effective 12 October 2026

Official new covered-card key facts

Official valet spend conditions

Current official listing packshot, angled card perspective; small 248x190 source. The sample cardholder name is printed in the official artwork. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

3% on eligible UAE groceries, school fees, fuel and selected bills with individual caps; AED 3,000 monthly retail minimum. No cashback on general retail or non-UAE transactions is assumed.

No cinema benefit verified. · Not verified; confirm current benefit eligibility with DIB.

Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.

First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.

Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.

Monthly retail purchases of AED 3,000 within a statement cycle are required for cashback.

Grocery and school caps effective 10 October 2026 are AED 200 per category monthly; fuel and utilities each cap at AED 100. Combined cap AED 1,000 per billing cycle.

Cashback is applicable only to UAE transactions. Utility and government bills paid through DIB platforms do not earn cashback; merchant classification and non-cash/personal-use rules apply.

Annual fee includes VAT: AED 210; up to 3.69% monthly Salam rate. Current fee schedule effective 12 October 2026 lists non-AED international usage 3.70%, overseas AED3.14%.

Current product page advertises a limited first-year fee waiver without dates. Confirm approved-card eligibility; do not interpret it as a permanent waiver.

Current official product and reward conditions

Current fees effective 12 October 2026

Official new covered-card key facts

Consumer Cashback is a family, not a single exact current product name. The old /consumer-card path redirects to this Reward product. Current official listing packshot, angled card perspective; small 248x190 source. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

4% on eligible UAE groceries, school fees, fuel and selected bills with individual caps; AED 4,000 monthly retail minimum. No cashback on general retail or non-UAE transactions is assumed.

No cinema benefit verified. · Not verified; confirm current benefit eligibility with DIB.

Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.

First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.

Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.

Monthly retail purchases of AED 4,000 within a statement cycle are required for cashback.

Grocery and school caps effective 10 October 2026 are AED 300 per category monthly; fuel and utilities each cap at AED 150. Combined cap AED 1,000 per billing cycle.

Cashback is applicable only to UAE transactions. Utility and government bills paid through DIB platforms do not earn cashback; merchant classification and non-cash/personal-use rules apply.

Annual fee includes VAT: AED 261.45; up to 3.69% monthly Salam rate. Current fee schedule effective 12 October 2026 lists non-AED international usage 3.70%, overseas AED3.14%.

Current product page advertises a limited first-year fee waiver without dates. Confirm approved-card eligibility; do not interpret it as a permanent waiver.

Current official product and reward conditions

Current fees effective 12 October 2026

Official new covered-card key facts

Additional distinct current Consumer Cashback product supplied to resolve the ambiguous family name. Current official listing packshot, angled card perspective; small 248x190 source. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

The advertised AED 1,000 acquisition credit has linked terms ending 30 September 2026 and is excluded for new October applications. The spend-based first-year fee waiver is separate.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

2 reward points per AED 3.6725 equivalent local retail; 4 points international. Redemption value varies; standard e-voucher rate used.

Buy 1 Get 1 at VOX and Reel Cinemas, subject to qualifying spend and current booking conditions. · Unlimited Visa Airport Companion lounge access with a guest; qualifying rules apply.

Monthly interest rate: 3.69%. Bank FX charge: up to 2.99%.

First-year fee waiver requires AED 10,000 spend within 60 days. Your forecast meets the spend target.

The advertised AED 1,000 acquisition credit has linked terms ending 30 September 2026 and is excluded for new October applications. The spend-based first-year fee waiver is separate.

Use of e-vouchers is assumed. Enhanced travel redemptions, reduced-category earning and leisure perks are excluded.

Minimum monthly income AED 30,000 and a Standard Chartered current or savings account are required. Annual fee AED 1,575 including VAT; first-year waiver after AED 10,000 in 60 days, later waiver after AED 150,000 annual spend.

General local retail earns two reward points per reference-currency unit and international retail earns four. The model uses the published e-voucher conversion of 125 points per AED 1 and excludes reduced essential-category earning conservatively.

Retail finance charge is 3.69% monthly. Foreign transaction charge is published as up to 2.99%, with separate network conversion.

The product header advertises AED 1,000 welcome cashback, but its linked terms cover applications only through 30 September 2026. It is excluded for new October applications.

The golf feature specifies AED 12,000 per cycle while an older FAQ says AED 10,000. Priority Private conditions differ. Confirm the booking terms before use.

Visa Airport Companion provides initial complimentary visits; further unlimited access for you and a guest requires the stated international purchase.

Standard Chartered current price guide

Linked acquisition terms: expired September2026

Product availability verified on current UAE product and application pages. Official bank-linked av.sc.com navigation packshot; visible card face reads Journey and Visa Infinite. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Welcome statement-credit offers require applying independently on Citibank’s website. Third-party / comparison referrals or search-ad applications do not qualify; the forecast excludes this channel-dependent welcome reward.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Bank conversion uses AED 1 = 0.271 reference-currency units: three points per reference unit on local dining/fuel/groceries, two on non-AED outside listed European currencies, one on general local retail, and 0.25 on selected essential MCCs.

30% off up to four monthly cinema tickets; not BOGO. · 14 lounge visits per year with one guest through Mastercard Travel Pass; qualifying foreign transaction required.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Welcome statement-credit offers require applying independently on Citibank’s website. Third-party / comparison referrals or search-ad applications do not qualify; the forecast excludes this channel-dependent welcome reward.

Includes three-times earning and reduced essential-category rates; cash redemption45points/AED1 with minimum900points. Direct-channel-only welcome and non-cash travel perks are excluded. Credit-limit and redemption minimums can constrain actual returns.

Annual fee AED 787.50 including VAT; minimum monthly income AED 15,000. Monthly finance charge 3.69% from October 2026. The bank international processing margin is 2.99%, with scheme conversion separate.

Local dining, fuel and grocery purchases earn three times the general local rate. Education, utilities and other listed essential MCCs earn a reduced rate. European-currency earning differs from the non-European benchmark.

Direct merchant school and utility payments are assumed; Citi online, mobile and phone utility bills earn no points. Rewards are limited by the assigned credit limit.

The AED 750 welcome credit requires AED 10,000 within 60 days and an application independently submitted on Citi website. Comparison and search-ad routes are excluded, so this credit is excluded from the forecast.

Official fees / key facts

Official points redemption

Citi Premier earning restrictions

Current official UAE directory packshot, despite the legacy/2021 asset path. Card face says Premier and Mastercard; cardholder name is omitted. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Welcome statement-credit offers require applying independently on Citibank’s website. Third-party / comparison referrals or search-ad applications do not qualify; the forecast excludes this channel-dependent welcome reward.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

3% eligible foreign-currency retail, 2% groceries and 1% other retail. Bank-channel bill payments and non-retail transactions are excluded.

No cinema benefit verified. · Eight lounge visits per year via Mastercard Travel Pass; qualifying foreign transaction required.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Welcome statement-credit offers require applying independently on Citibank’s website. Third-party / comparison referrals or search-ad applications do not qualify; the forecast excludes this channel-dependent welcome reward.

Direct merchant utility payments are assumed. Direct-channel-only welcome credit is excluded; monthly earning remains constrained by approved credit limit.

Finance charge 3.69% monthly effective 1 October 2026. FX transaction fee is additional to network conversion.

First annual fee waived; later annual waiver requires AED 9,000 spend. This is not unconditional free for life.

Official fees / key facts

Current official page and card face use Cash Back as two words. Current directory packshot, despite the legacy asset path. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

No spending rewards are verified for this fee-focused product.

No cinema benefit verified. · No complimentary lounge benefit verified.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Finance charge 3.69% monthly effective 1 October 2026. FX transaction fee is additional to network conversion.

No annual, late-payment, overlimit or cash-advance fees under product terms. Finance charges still apply; fee relief does not make carried balances interest-free.

Official fees / key facts

Current official UAE directory packshot, despite the legacy asset path. The directory uses Citi Simplicity®; product page heading omits the registered trademark. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

1% cashback on eligible retail. Advertised 10% annual bonus is a top-up on earned cashback, not a 10% spending reward.

Buy 1 Get 1 cinema tickets after AED 10,000 calendar-month spend; booking and provider conditions apply. · Unlimited Visa Airport Companion lounge visits for you and one guest after an international purchase equivalent to at least one US currency unit, at least 15 days before travel.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

Includes verified monthly, quarterly and annual bonuses on base cashback when the repeated-spend forecast reaches each separate target. Leisure perks are excluded; fee waiver remains subject to campaign approval conditions.

AED 30,000 monthly income; annual fee AED 1,050 including VAT. First-year fee waiver campaign runs through 31 December 2026; subsequent waiver requires AED 24,000 yearly spend.

Base cashback is 1% of eligible retail. Monthly AED 5,000, quarterly AED 25,000 and annual AED 125,000 retail targets each award a separate 10% bonus on the relevant base cashback, not 10% of spending. Bonuses do not compound on one another.

The model repeats the entered monthly spend over complete one-, three- and twelve-month cycles. Actual account periods, cleared payments, reversals and credit limits affect entitlement.

Cinema BOGO requires AED 10,000 in the booking month. The current Visa card uses Visa Airport Companion, not Mastercard Travel Pass.

Foreign currency processing: bank 2.1% including VAT plus a separate scheme fee up to 1.21% including VAT. Overseas AED processing is 1.05%; merchant exchange rates can add costs.

Current HSBC tariff, effective 6 October 2026

Official Cash+ cashback bonus terms

Official campaign terms

Official product hero asset has a light grey background and generous margins around the card; downloaded unchanged. Visible card face reads Cash+ Credit and Visa Infinite. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

1 HSBC Reward Point per AED eligible retail spend. Cash-equivalent value depends on redemption; illustrative value used.

Buy 1 Get 1 cinema tickets after AED 6,000 monthly spend; current booking conditions apply. · Eight annual lounge visits via Mastercard Travel Pass; qualifying non-AED purchase in the preceding 90 days required.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

AED 0.007 per point is an illustrative redemption assumption, not a fixed bank cash rate. Non-spend bonus actions and leisure benefits are excluded.

No annual card fee; a qualifying HSBC Premier relationship is required. The salary route and relationship-balance condition are shown separately; other Premier eligibility routes exist.

Earn one point per eligible AED of spending. The model uses an illustrative AED 0.007 per point, not a guaranteed cash rate.

Eight annual Mastercard Travel Pass visits; qualifying foreign purchase at least once every three months. Guests are paid unless the app confirms an applicable entitlement.

Bank FX fee is 2.1% including VAT, plus a separate scheme fee up to 1.21% including VAT. Overseas AED processing fee is 1.05%.

Current welcome offer ends 31 October 2026. Only the 200,000-point qualifying spend stage is included; wallet, supplementary and foreign-transaction actions are excluded.

Official campaign terms

Official Premier account eligibility

Current HSBC tariff, effective 6 October 2026

Current UAE official product is titled Premier Credit Card; its page calls it HSBC Premier Mastercard Credit Card. A distinct UAE product named Premier World Elite Mastercard was not verified. Do not treat HSBC Expat/UK artwork or terms as UAE evidence. Current official artwork is a vertical black Premier Credit Mastercard design on a light grey background, downloaded unchanged. The card face does not show World Elite text. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 750 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

50% off selected VOX screenings, up to four tickets per card per month; partner terms apply. · Mastercard Travel Pass: complimentary airport lounge access subject to activation and eligibility. Complete qualifying non-AED spend and register at least 72 hours before travel; confirm the current annual visit allowance.

Monthly interest rate: 3.65%. Bank FX charge: 2.57%.

First-year fee waiver requires AED 100,000 spend within 365 days. Your forecast meets the spend target.

AED 750 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Not estimated: World cashback depends on monthly spend bands, category caps and e-wallet payment method; a headline 10% or 3% is not applied to all spend.

Linked VAT-inclusive tariff: AED 997.50 from year two, waived after AED 100,000 qualifying prior-year spend; first year free. Cash/remittances and balance transfers do not qualify for that waiver.

Headline travel/hotel cashback capped at AED 400/month; groceries AED 300, dining AED 300, e-wallet other retail AED 150, non-wallet other retail AED 100. The product page requires AED 10,000 total monthly net spend for the accelerated features. Full tier matrix must be confirmed before a forecast is enabled.

FX tariff charge is 2.57% including VAT, plus network processing approximately 1.15%; do not describe 2.57% as the full foreign-currency cost.

Monthly finance rate 3.65%; may rise by 0.5 percentage points when the previous statement is past due.

One 12-month Careem Plus membership for the primary cardholder; pay eligible Careem transactions with this card. Lounge activation uses foreign-currency spend equivalent to USD 1 and recurring eligibility; verify the allowance in Mastercard Travel Pass.

Official product page

Current card comparison: salary and fee waiver

VAT-inclusive service and price guide

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Live offer and linked KFS disagree on the first-year fee and welcome points. Confirm the written offer; both welcome rewards and AED reward value remain excluded.

50% off selected VOX screenings, up to two tickets per card per month; partner terms apply. · Mastercard lounge programme at selected 20+ lounges; confirm the participating lounges, visit allowance and eligibility before travelling.

Monthly interest rate: 3.65%. Bank FX charge: 2.57%.

First-year fee waiver requires AED 20,000 spend within 365 days. Your forecast meets the spend target.

Not estimated: AirRewards are not assigned an unverified AED conversion, and the current 20,000-point offer/no-joining-fee headline conflicts with the linked KFS and tariff.

Current page advertises 20,000 AirRewards after AED 5,000 qualifying spend within three months for new-to-bank customers and no joining fee. Government and utility payments are excluded from the offer spend.

Conflict: the linked KFS still states 15,000 joining points, payment of a joining fee and AED 420 first-year annual fee; the linked tariff lists AED 420 joining/annual fee including VAT. Confirm the written application offer. The conservative record retains AED 420 and excludes welcome rewards from the forecast.

From subsequent years, AED 420 is waived after AED 20,000 qualifying prior-year retail spend.

Earn 1.75 AirRewards/AED 5 on AirArabia.com and eligible international retail, 1.25/AED 5 on domestic retail, and 0.30/AED 5 on listed reduced MCCs including school fees, fuel, utilities, telecom and government. Bank-channel transactions are excluded.

Annual return-flight voucher after AED 30,000 qualifying retail spend; taxes payable, UAE-origin travel and voucher conditions apply. AED 20,000 qualifying spend unlocks annual 10 kg baggage and two meal vouchers. These non-cash perks are not treated as guaranteed cash.

FX tariff charge 2.57% including VAT plus network processing approximately 1.15%. Monthly finance rate 3.65%, with a 0.5 percentage-point past-due increase.

Official product page

Air Arabia card KFS

VAT-inclusive service and price guide

Current salary and annual-fee comparison

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 300 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

No cinema benefit verified. · No complimentary access verified

Monthly interest rate: 3.65%. Bank FX charge: 2.57%.

AED 300 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Models 1% at AED 1,000–2,999 monthly spend, 1.5% at AED 3,000+, 0.25% direct reduced-category spend and AED 300 monthly cap. Bank-channel bills and remittances excluded; redemption requires AED 100 cashback.

Free for life. AED 1,000 minimum monthly net spend; 1% standard retail cashback at AED 1,000–2,999 and 1.5% from AED 3,000. AED 300 maximum cashback per billing cycle.

Reduced MCCs earn 0.25%: charities, government, bills, education, transit/transport, telecom, real estate and fuel. RAKBANK-channel payments, cash and remittances earn no rewards.

AED 100 minimum cashback redemption and 15-month reward expiry. Cash-remittance benefit is one qualifying international transfer per month; bank terms and FX rates apply.

Finance 3.65% monthly, with a possible 0.5 percentage-point past-due increase. Foreign transaction charge 2.57% including VAT plus approximately 1.15% network fee.

Official product page

RED card KFS

VAT-inclusive service and price guide

Minimum salary comparison

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Tiered B.E.S.T cashback is modelled conservatively. CBD bank-only FX and future-year annual-waiver details remain unconfirmed.

No cinema benefit verified. · Visa Airport Companion: up to eight complimentary lounge visits per calendar year; verify activation and qualifying international-spend rules.

Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.

Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.

B.E.S.T cashback: AED 3,000–9,999.99 total monthly spend earns 3%, capped at AED 75 per category/AED 300 total; AED 10,000–19,999.99 earns 5%, capped at AED 100 per category/AED 400 total; AED 20,000+ earns 10%, capped at AED 150 per category/AED 600 total. Below AED 3,000 earns zero.

B.E.S.T is eligible water/electricity bills, school/college/university education, supermarkets and transport/fuel. Chiller, LPG, drinking-water supplies, driving classes and school uniforms/transport are excluded examples. Merchant classification and non-qualifying transactions still apply.

Annual fee AED 420 including VAT; first year free. Confirm the current annual-spend target for subsequent fee waiver before relying on it.

Linked February 2025 SOC lists finance 3.85% monthly. Its 2.99% foreign-fee row has contradictory wording on network inclusion and VAT; bank-only FX value is left unconfirmed to avoid double-counting scheme fees.

The product advertises up to AED 1,000 digital-wallet welcome bonus for applications by 5 November 2026. Full spend/crediting conditions were not retrieved; excluded from modelling.

Official product page

Official B.E.S.T cashback grid

Cashback and redemption terms

VAT-inclusive card schedule of charges

Exact official issuer artwork; retrieved and visually inspected. The bank uses an in-phone product image on this page. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Current CBD One differs from old selectable-plan marketing. Confirm the AED 5,000 cashback eligibility interpretation; expired cinema/golf offers are excluded.

No cinema benefit verified. · Visa Airport Companion: up to eight complimentary lounge visits per calendar year; confirm activation and spend eligibility.

Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.

Not estimated: up to AED 135 monthly cashback is limited to listed merchants and a qualifying-spend condition. Broad groceries/dining/online inputs cannot establish exact merchant eligibility.

Current product and March 2025 FAQ say free for life and up to AED 135 cashback per month at listed merchants after meeting the AED 5,000 monthly spend criterion. Do not substitute old Starter/One Plus/VIP selectable-plan terms from the older CBD One microsite.

Selected merchants include noon, Airbnb, Booking.com, Amazon, iTunes, Uber, Careem, named food-delivery apps, streaming, cinema, coffee and fitness brands. Cashback cannot exceed actual qualifying merchant spend; transaction posting dates and account status matter.

The latest FAQ says at least AED 5,000 spend on selected merchants, while an alternate 2025 FAQ example describes total monthly spend plus smaller selected-merchant purchases. Confirm this eligibility conflict with CBD. No reward forecast is shown.

Cinema and golf benefits in the March 2025 FAQ expired on 9 May 2025; they are not presented as current benefits.

Finance 3.85% monthly in linked SOC. Foreign transaction 2.99% row and VAT/network footnote are ambiguous; bank-only FX is unconfirmed.

Official product page

Current CBD One FAQ, March 2025

Alternate March 2025 FAQ

VAT-inclusive card schedule of charges

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Smiles points are not cash. Current page mixes Visa Airport Companion and legacy LoungeKey instructions; verify the access app and activation rules.

No cinema benefit verified. · Visa Airport Companion: eight complimentary lounge visits per calendar year, subject to qualifying international spend; page retains older LoungeKey wording in another section.

Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.

First-year fee waiver requires AED 24,000 spend within 365 days. Your forecast meets the spend target.

Not estimated: Smiles redemption is merchant-specific and no single verified AED-per-point value is assumed. Reduced MCC earn rates and eligible merchant points caps require separate inputs.

First year annual fee waived. AED 525 including VAT from year two, waived after AED 24,000 annual retail spend.

Earn 10 Smiles points/AED at e&/Etisalat channels, Smiles app and elGrocer, capped at 25,000 points/month; up to 3/AED international and 2/AED domestic. Listed reduced categories earn differently.

Quarterly bonus 5,000 Smiles points after AED 10,000 cumulative spend in the preceding calendar quarter; paid at the next quarter start. Points are not assigned a generic cash rate.

90-day Smiles Unlimited subscription and AED 200 Unravel hotel discount have restrictions. Further free subscription renewal depends on 25,000 qualifying points in the prior 60 days; otherwise paid renewal may apply.

Current main lounge section says Visa Airport Companion; a separate section still says LoungeKey. Eight visits/year and qualifying international spend are stated; verify the app and activation before travel.

Finance 3.85% monthly in linked SOC. Foreign-fee row 2.99% and VAT/network wording are ambiguous; bank-only FX remains unconfirmed.

Official product page

VAT-inclusive card schedule of charges

Exact official issuer artwork; retrieved and visually inspected. The bank uses an in-phone product image on this page. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.

Reel Buy 1 Get 1: up to two tickets/month with AED 3,000 monthly retail spend; 20% Roxy discount through 30 April 2027. Check format and booking terms. · Visa Airport Companion: unlimited eligible lounge visits with one guest, subject to qualifying foreign-currency spend. First free-visit wording differs across issuer sections; verify in the app before travelling.

Monthly profit rate: 3.25%. Bank FX charge: 2.3%.

Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.

Baseline without Gold fast track: AED 2,100 annual fee including VAT. Gold fast-track option totals AED 5,775 (AED 2,100 on issuance plus AED 3,675 on Gold qualification). The optional extra fee is not added to this baseline model.

Detailed issuer earn grid takes precedence over rounded FAQ examples: miles/reference USD at AED 3.673. Specific MCCs have reduced rates; EEA/UK spend earns 0.75 miles/reference USD. Earn is limited to assigned card credit limit; excluded cash and bank-channel bill payments earn no miles.

The detailed grid treats specific domestic/international MCCs separately, while the FAQ describes broad international earning. Model assumes general non-EEA/UK international retail; reduced-MCC or regional overseas purchases need confirmation.

Foreign fee 2.3% including VAT plus network approximately 1.15%. Monthly published profit 3.25%; check the signed offer and total borrowing cost.

Lounge eligibility uses foreign-currency spend equivalent to USD 1; product and quick-guide sections differ on first complimentary visit allowance and lead time. Confirm actual activation rather than assuming immediate entry.

Cinema: up to two Reel Buy 1 Get 1 tickets/month after AED 3,000 monthly retail spend, plus 20% Roxy offer through 30 April 2027. Valet monthly spend qualification is AED 7,500 for Black / AED 5,000 for Signature from 1 March 2026. Golf qualification and booking rules apply.

Official product page

Detailed Skywards category and EEA/UK earn table

VAT-inclusive card schedule of charges

Official catalogue: salary and artwork

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.

Reel Buy 1 Get 1: up to two tickets/month with AED 3,000 monthly retail spend; 20% Roxy discount through 30 April 2027. Check format and booking terms. · Visa Airport Companion: unlimited eligible lounge visits with one guest, subject to qualifying foreign-currency spend. First free-visit wording differs across issuer sections; verify in the app before travelling.

Monthly profit rate: 3.69%. Bank FX charge: 2.54%.

First-year fee waiver requires AED 5,000 spend within 90 days. Your forecast meets the spend target.

Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.

Annual fee AED 735 including VAT. The bank currently advertises first-year fee waiver after AED 5,000 retail spend within 90 days; subsequent annual waiver requires AED 30,000 annual spend. Confirm application conditions.

Detailed issuer earn grid takes precedence over rounded FAQ examples: miles/reference USD at AED 3.673. Specific MCCs have reduced rates; EEA/UK spend earns 0.275 miles/reference USD. Earn is limited to assigned card credit limit; excluded cash and bank-channel bill payments earn no miles.

The detailed grid treats specific domestic/international MCCs separately, while the FAQ describes broad international earning. Model assumes general non-EEA/UK international retail; reduced-MCC or regional overseas purchases need confirmation.

Foreign fee 2.54% including VAT plus network approximately 1.15%. Monthly published profit 3.69%; check the signed offer and total borrowing cost.

Lounge eligibility uses foreign-currency spend equivalent to USD 1; product and quick-guide sections differ on first complimentary visit allowance and lead time. Confirm actual activation rather than assuming immediate entry.

Cinema: up to two Reel Buy 1 Get 1 tickets/month after AED 3,000 monthly retail spend, plus 20% Roxy offer through 30 April 2027. Valet monthly spend qualification is AED 7,500 for Black / AED 5,000 for Signature from 1 March 2026. Golf qualification and booking rules apply.

Official product page

Detailed Skywards category and EEA/UK earn table

VAT-inclusive card schedule of charges

Official catalogue: salary and artwork

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source