{ "reviewDate": "2026-10-19", "timezone": "Asia/Dubai", "cardCount": 48, "accountCount": 7, "cards": [ { "id": "adib-cashback-visa", "confirmedFields": [ "available: current Apply Now", "name", "issuer", "network Visa", "isIslamic true", "annualFee 103.95 including VAT", "profit rate 3.75% for new issuance", "cashback categories/rates/caps", "no published current Cashback minimum-spend requirement", "base rate 0 outside listed categories", "monthlyRewardCapAED 1000", "exact current artwork" ], "limitations": [ "Product-specific minimum salary remains unpublished.", "Visa Platinum tier unsupported; remove it.", "All-in FX cost depends on separate network conversion fee.", "Salary transfer requirement not expressly established from these product sources.", "No general new-card welcome cash promotion found; ADIB Arrive fee waiver is a separate bundled-account offer and must not be assumed.", "Contract-structure conflict: product page says Ijarah; current covered-card KFS page1 describes commodity Murabaha proceeds and STI account. Do not label the underlying contract as verified Ijarah." ], "sources": [ { "label": "Product", "url": "https://www.adib.ae/en/personal/cards/cashback-visa-card/adib-cashback-visa-covered-card", "evidence": "4% categories, caps, AED99 annual fee, new issuance available; no minimum-spend paragraph." }, { "label": "Rewards terms", "url": "https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/adib-covered-cards-terms-and-conditions.pdf", "evidence": "Section20 pp38-39 specifies Cashback benefits; AED5000 in23.1.6 is Spice only." }, { "label": "Key facts", "url": "https://www.adib.ae/-/media/project/adib/adibsite/docs/kfs/adib-covered-cards_kfs.pdf?hash=7AC73C02503B55AE477CADBAE16B2777&sc_lang=en", "evidence": "Page3: AED99 annual fee, 5% VAT, monthly3.75%." }, { "label": "Current fees", "url": "https://www.adib.ae/-/media/Project/ADIB/ADIBSite/docs/Personal/cards/ADIB-Covered-Cards-Schedule-of-Charges-and-Fees.pdf", "evidence": "Aug2026V45; new-issuance3.75% footnote20; nonAED2.3%+VAT plus network." }, { "label": "October tariff", "url": "https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/banking-services-and-tariff-board/Banking-Services-and-Tariff-Board.pdf", "evidence": "V66: legacy Cashback3.49% rows coexist with explicit3.75% for new cards from15Feb2024." } ] }, { "id": "adib-etihad-platinum", "confirmedFields": [ "available: live Apply Now", "Visa exact Platinum consumer covered card (not private card, not self-funded)", "isIslamic true", "annualFee including VAT", "new-issuance monthly profit3.75%", "base .55 miles/AED", "foreign general rate outside EEA", "essential category .25miles/AED", "EEA .3miles/AED", "standard welcome amount/trigger/one-time exclusions", "seasonal headline and July1–Dec31dates", "lounge number/provider", "valet product benefit selectedlocations", "companionvoucher AED150kyear", "Goldfasttrack two returnEtihadflights/12months", "exact current artwork" ], "limitations": [ "Product-specific minimum salary remains unpublished.", "Seasonal acquisition campaign PDF redirects404; no withdrawal inferred.", "No automatic forecast of signup reward until one-purchase trigger is supported.", "EEA and merchant-country differentiation not represented by current generic International Spend bucket.", "Separate network component prevents claiming all-in FX rate.", "Individual salary transfer / approval requirements need bank confirmation." ], "sources": [ { "label": "Product", "url": "https://www.adib.ae/en/personal/cards/etihad-guest-cards/adib-etihad-guest-visa-platinum-card", "evidence": "50kstandardwelcome;150kseasonalextra;fourloungevisitsandbenefits." }, { "label": "Covered terms", "url": "https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/adib-covered-cards-terms-and-conditions.pdf", "evidence": "17.2.1earning;17.2.3signup;17.2.4one-time;17.2.5exclusions;17.2.9cardlimit." }, { "label": "Comparison", "url": "https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/comparison-of-card-offering.pdf", "evidence": "Feb2026V11 pp4-5 rates/benefits; p12 specificmerchants." }, { "label": "Keyfacts", "url": "https://www.adib.ae/-/media/project/adib/adibsite/docs/kfs/adib-covered-cards_kfs.pdf?hash=7AC73C02503B55AE477CADBAE16B2777&sc_lang=en", "evidence": "Page3 fees and VAT,3.75%newpricing." }, { "label": "Fees", "url": "https://www.adib.ae/-/media/Project/ADIB/ADIBSite/docs/Personal/cards/ADIB-Covered-Cards-Schedule-of-Charges-and-Fees.pdf", "evidence": "Aug2026V45 new issuance/FX fees." }, { "label": "Notices", "url": "https://www.adib.ae/personal/cards/notices", "evidence": "Platinum provider changes to VAC1Oct2026; Deerfields valet ends7Jun2026." }, { "label": "Unavailable campaign terms", "url": "https://www.adib.ae/-/media/Project/ADIB/ADIBSite/docs/offer/2026/Jul/ADIB-Etihad-Guest-Covered-Cards-Acquisition-Campaign-TCs.pdf", "evidence": "Both official productlinks redirect to /en/404." } ] }, { "id": "adib-etihad-infinite", "confirmedFields": [ "available: live Apply Now", "Visa exact Infinite consumer covered card (not private card, not self-funded)", "isIslamic true", "annualFee including VAT", "new-issuance monthly profit3.75%", "base .625 miles/AED", "foreign general rate outside EEA", "essential category .25miles/AED", "EEA .3miles/AED", "standard welcome amount/trigger/one-time exclusions", "seasonal headline and July1–Dec31dates", "lounge number/provider", "valet product benefit:fourmonthly", "golf once per month with one guest subjectbooking", "two AbuDhabi airporttransfers annually", "companionvoucher AED150kyear", "upgradevoucher AED350kyear", "exact current artwork" ], "limitations": [ "Product-specific minimum salary remains unpublished.", "Seasonal acquisition campaign PDF redirects404; no withdrawal inferred.", "No automatic forecast of signup reward until one-purchase trigger is supported.", "EEA and merchant-country differentiation not represented by current generic International Spend bucket.", "Separate network component prevents claiming all-in FX rate.", "Individual salary transfer / approval requirements need bank confirmation." ], "sources": [ { "label": "Product", "url": "https://www.adib.ae/en/personal/cards/etihad-guest-cards/adib-etihad-guest-visa-infinite-card", "evidence": "100kstandardmaximum;225kseasonalextra;ratesandbenefits." }, { "label": "Covered terms", "url": "https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/adib-covered-cards-terms-and-conditions.pdf", "evidence": "17.2.1earning;17.2.3signup;17.2.4one-time;17.2.5exclusions;17.2.9cardlimit." }, { "label": "Comparison", "url": "https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/comparison-of-card-offering.pdf", "evidence": "Feb2026V11 pp4-5 rates/benefits; p12 specificmerchants." }, { "label": "Keyfacts", "url": "https://www.adib.ae/-/media/project/adib/adibsite/docs/kfs/adib-covered-cards_kfs.pdf?hash=7AC73C02503B55AE477CADBAE16B2777&sc_lang=en", "evidence": "Page3 fees and VAT,3.75%newpricing." }, { "label": "Fees", "url": "https://www.adib.ae/-/media/Project/ADIB/ADIBSite/docs/Personal/cards/ADIB-Covered-Cards-Schedule-of-Charges-and-Fees.pdf", "evidence": "Aug2026V45 new issuance/FX fees." }, { "label": "Notices", "url": "https://www.adib.ae/personal/cards/notices", "evidence": "Platinum provider changes to VAC1Oct2026; Deerfields valet ends7Jun2026." }, { "label": "Unavailable campaign terms", "url": "https://www.adib.ae/-/media/Project/ADIB/ADIBSite/docs/offer/2026/Jul/ADIB-Etihad-Guest-Covered-Cards-Acquisition-Campaign-TCs.pdf", "evidence": "Both official productlinks redirect to /en/404." } ] }, { "id": "dib-prime-infinite", "confirmedFields": [ "available: current Apply Now", "name", "Visa exact Infinite tier", "isIslamic true", "annualFee0 and freeForLife", "salary 20000", "base/foreign and reduced .2point/AED rates", "EU exclusion", "lounge 12visits and qualifier", "valet two visits with AED8000monthlyspend", "profit up to3.69%", "nonAEDinternationalusage3.70%;overseasAED3.14%", "exact current artwork" ], "limitations": [ "Fixed AED value for Walaa unverified; retain not-modelled.", "Whether lounge guest counts consume the stated annual allowance should be checked in app rather than guessed.", "Network conversion breakdown beyond published bank international usage fees.", "Salary transfer is not explicitly established in checked product sources." ], "sources": [ { "label": "Product", "url": "https://www.dib.ae/personal/cards/prime-infinite-card", "evidence": "Retail rates and essential .2points/AED;EUorigin exclusion;salary;loungequalifier;complimentaryspendfootnote." }, { "label": "SOC", "url": "https://www.dib.ae/docs/default-source/cpr/soc/cpr-soc-cards.pdf", "evidence": "Effective12Oct2026 freePrime annual fee;upto3.69%;nonAED3.7%;AED3.14%." }, { "label": "KFS", "url": "https://www.dib.ae/docs/default-source/cpr/kfs/cards-kfs-dib-new-credit-cards-cm-sign-reqd-static.pdf?sfvrsn=799c3157_45", "evidence": "Page9 agrees on finance/FX fees; monthly payment and Salam/Wakala explanations." }, { "label": "Valet", "url": "https://www.dib.ae/docs/default-source/pdf/valet-product-offerings.pdf", "evidence": "PrimeInfinite8000 and PrimeSignature5000 monthlyretail requirement;two visits." } ] }, { "id": "dib-prime-signature", "confirmedFields": [ "available: current Apply Now", "name", "Visa exact Signature tier", "isIslamic true", "annualFee0 and freeForLife", "salary 15000", "base/foreign and reduced .2point/AED rates", "EU exclusion", "lounge 8visits and qualifier", "valet two visits with AED5000monthlyspend", "profit up to3.69%", "nonAEDinternationalusage3.70%;overseasAED3.14%", "exact current artwork" ], "limitations": [ "Fixed AED value for Walaa unverified; retain not-modelled.", "Whether lounge guest counts consume the stated annual allowance should be checked in app rather than guessed.", "Network conversion breakdown beyond published bank international usage fees.", "Salary transfer is not explicitly established in checked product sources." ], "sources": [ { "label": "Product", "url": "https://www.dib.ae/personal/cards/prime-signature-card", "evidence": "Retail rates and essential .2points/AED;EUorigin exclusion;salary;loungequalifier;complimentaryspendfootnote." }, { "label": "SOC", "url": "https://www.dib.ae/docs/default-source/cpr/soc/cpr-soc-cards.pdf", "evidence": "Effective12Oct2026 freePrime annual fee;upto3.69%;nonAED3.7%;AED3.14%." }, { "label": "KFS", "url": "https://www.dib.ae/docs/default-source/cpr/kfs/cards-kfs-dib-new-credit-cards-cm-sign-reqd-static.pdf?sfvrsn=799c3157_45", "evidence": "Page9 agrees on finance/FX fees; monthly payment and Salam/Wakala explanations." }, { "label": "Valet", "url": "https://www.dib.ae/docs/default-source/pdf/valet-product-offerings.pdf", "evidence": "PrimeInfinite8000 and PrimeSignature5000 monthlyretail requirement;two visits." } ] }, { "id": "dib-consumer-reward", "confirmedFields": [ "current available Apply Now", "exact full name", "Visa and Islamic covered card", "salary 5000", "fee 210includingVAT", "profit up to3.69%", "cashback 3% UAE-only", "monthlyretailminimum 3000", "grocery/schoolcap200effective10Oct2026", "fuel/utilitycap100", "totalcap1000", "DIB-channelbillpayments excluded", "firstyearwaiveradvertisedcurrently no published dates", "exact current artwork" ], "limitations": [ "First-year waiver has no published start/end or separate complete campaign terms.", "No lounge benefit confirmed for this exact consumer card.", "Salary-transfer requirement not explicitly established in checked current product sources.", "Fixed positive rewards on unlisted/foreign retail unsupported; retain base0." ], "sources": [ { "label": "Current product", "url": "https://www.dib.ae/personal/cards/consumer-reward-card", "evidence": "Fullproductname;salary;cashbacktableand10Octcaps;retailminimum;fee;UAE-onlyandDIBchannel exclusions;undatedwaiver." }, { "label": "SOC", "url": "https://www.dib.ae/docs/default-source/cpr/soc/cpr-soc-cards.pdf", "evidence": "Effective12Oct2026feesVATamounts;profit;FX." }, { "label": "KFS", "url": "https://www.dib.ae/docs/default-source/cpr/kfs/cards-kfs-dib-new-credit-cards-cm-sign-reqd-static.pdf?sfvrsn=799c3157_45", "evidence": "Feeillustrations and Salam repayment structure." } ] }, { "id": "dib-consumer-platinum", "confirmedFields": [ "current available Apply Now", "exact full name", "Visa and Islamic covered card", "salary 15000", "fee 261.45includingVAT", "profit up to3.69%", "cashback 4% UAE-only", "monthlyretailminimum 4000", "grocery/schoolcap300effective10Oct2026", "fuel/utilitycap150", "totalcap1000", "DIB-channelbillpayments excluded", "firstyearwaiveradvertisedcurrently no published dates", "exact current artwork" ], "limitations": [ "First-year waiver has no published start/end or separate complete campaign terms.", "No lounge benefit confirmed for this exact consumer card.", "Salary-transfer requirement not explicitly established in checked current product sources.", "Fixed positive rewards on unlisted/foreign retail unsupported; retain base0." ], "sources": [ { "label": "Current product", "url": "https://www.dib.ae/personal/cards/consumer-platinum-card", "evidence": "Fullproductname;salary;cashbacktableand10Octcaps;retailminimum;fee;UAE-onlyandDIBchannel exclusions;undatedwaiver." }, { "label": "SOC", "url": "https://www.dib.ae/docs/default-source/cpr/soc/cpr-soc-cards.pdf", "evidence": "Effective12Oct2026feesVATamounts;profit;FX." }, { "label": "KFS", "url": "https://www.dib.ae/docs/default-source/cpr/kfs/cards-kfs-dib-new-credit-cards-cm-sign-reqd-static.pdf?sfvrsn=799c3157_45", "evidence": "Feeillustrations and Salam repayment structure." } ] }, { "id": "adcb-365-cashback-card", "confirmedFields": [ "available official product/application page", "Visa Platinum / correct conventional or Islamic product", "annualFee", "firstYearFeeWaived", "minMonthlySalary", "monthlySpendThreshold", "monthlyRewardCapAED", "baseRewardRate", "Groceries/Dining/Fuel rates", "Utilities direct-merchant 0.5%", "welcome amount and 45-day spend", "cinemaOffer", "3.69% current-card pricing", "2.99% bank FX margin" ], "limitations": [ "Education MCC earns 0.5% but school-fee exclusion wording remains ambiguous; school-fee model stays zero as a disclosed conservative exclusion.", "Credit limit and subscription/region splits are not inputs in the existing calculator.", "Page SEO title mentions AED 1,365; current product body substantiates AED 365 only. No extra AED 1,000 promotion inferred.", "Salary-transfer requirement is not explicitly mandatory on product page; bank approval and credit-limit route still apply." ], "sources": [ { "label": "Current product", "url": "https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card", "checkedAt": "2026-10-18" }, { "label": "Current schedule, September 2026", "url": "https://www.adcb.com/en/multimedia/sof/cb-sof-current-charges-fees.pdf", "checkedAt": "2026-10-18" }, { "label": "June 2026 eligibility guide", "url": "https://www.adcb.com/en/multimedia/pdfs/2026/june/home-digital-subscription-guide-en.pdf", "checkedAt": "2026-10-18" }, { "label": "Supplemental terms; conventional June2026, Islamic link may retain older category table", "url": "https://www.adcb.com/en/multimedia/tnc/adcb-365-cashback-card-tnc-en.pdf", "checkedAt": "2026-10-18" }, { "label": "VOX usage guide June2026", "url": "https://www.adcb.com/en/multimedia/pdfs/2026/june/buy-1-get-1-free-movie-tickets-guidelines.pdf", "checkedAt": "2026-10-18" } ] }, { "id": "adcb-islamic-365", "confirmedFields": [ "available official product/application page", "Visa Platinum / correct conventional or Islamic product", "annualFee", "firstYearFeeWaived", "minMonthlySalary", "monthlySpendThreshold", "monthlyRewardCapAED", "baseRewardRate", "Groceries/Dining/Fuel rates", "Utilities direct-merchant 0.5%", "welcome amount and 45-day spend", "cinemaOffer", "3.69% current-card pricing", "2.99% bank FX margin" ], "limitations": [ "Education MCC earns 0.5% but school-fee exclusion wording remains ambiguous; school-fee model stays zero as a disclosed conservative exclusion.", "Credit limit and subscription/region splits are not inputs in the existing calculator.", "Page SEO title mentions AED 1,365; current product body substantiates AED 365 only. No extra AED 1,000 promotion inferred.", "Salary-transfer requirement is not explicitly mandatory on product page; bank approval and credit-limit route still apply." ], "sources": [ { "label": "Current product", "url": "https://www.adcb.com/en/islamic/personal/cards/credit-cards/365-cashback-card", "checkedAt": "2026-10-18" }, { "label": "Current Islamic schedule, September 2026", "url": "https://www.adcb.com/en/multimedia/sof/ib-sof-current-charges-fees.pdf", "checkedAt": "2026-10-18" }, { "label": "June 2026 eligibility guide", "url": "https://www.adcb.com/en/multimedia/pdfs/2026/june/ib-home-digital-subscription-guide-en.pdf", "checkedAt": "2026-10-18" }, { "label": "Supplemental terms; conventional June2026, Islamic link may retain older category table", "url": "https://www.adcb.com/en/multimedia/tnc/ib-adcb-365-cashback-tnc-en.pdf", "checkedAt": "2026-10-18" }, { "label": "VOX usage guide June2026", "url": "https://www.adcb.com/en/multimedia/pdfs/2026/june/buy-1-get-1-free-movie-tickets-guidelines.pdf", "checkedAt": "2026-10-18" } ] }, { "id": "adcb-essential-cashback", "confirmedFields": [ "available official application", "Mastercard Platinum (fee schedule)", "annualFee 0/free for life", "5000 salary or 3000 eligible limit", "1%/1.25% general tiers", "0.75% selected MCCs incl eligible direct utilities and EU", "1000 minimum monthly spend", "1000 monthly cashback cap", "four annual lounge visits/first free then nonAED USD1 within three-month qualification", "Reel two free tickets/month through2026-12-31", "October campaign dates/250 amount/45day period" ], "limitations": [ "October PDF contains no numeric minimum-spend amount; visually inspected page confirms omission. Do not set it to zero and count reward.", "School-fee exclusion versus education MCC listing; keep explicit conservative exclusion." ], "sources": [ { "label": "Current product", "url": "https://www.adcb.com/en/personal/cards/credit-cards/essential-cashback-credit-card", "checkedAt": "2026-10-18" }, { "label": "VAT-inclusive schedule", "url": "https://www.adcb.com/en/multimedia/sof/cb-sof-current-charges-fees.pdf", "checkedAt": "2026-10-18" }, { "label": "Merchant guide (downloaded directly; web search timed out)", "url": "https://www.adcb.com/en/multimedia/pdfs/2026/june/essential-merchant-guide.pdf", "checkedAt": "2026-10-18" }, { "label": "Current acquisition PDF (same May2025 URL, October2026 content)", "url": "https://www.adcb.com/en/multimedia/pdfs/2025/may/essential-acquisition-tnc-en.pdf", "checkedAt": "2026-10-18" }, { "label": "June2026 supplemental terms", "url": "https://www.adcb.com/en/multimedia/tnc/adcb-essential-tnc-en.pdf", "checkedAt": "2026-10-18" } ] }, { "id": "adcb-touchpoints-infinite", "confirmedFields": [ "available current product", "Visa Infinite exact tier", "25000 salary or limit route", "Aspire/Privilege1050 Excellency525 annual fee incVAT", "3.69%/month and2.99% bank FX", "up to1.5TP/AED", "0.4 supermarkets/selected andUK/EEA", "0.2fuel/education/selected", "15000monthly points after15000 spend", "Expedia1200restricted voucher afterfirstfee", "VOX4free tickets/month", "golf with5000spend", "unlimitedlounge self+oneguest" ], "limitations": [ "Dining input does not distinguish fast food (0.4TP) from general restaurants (up to1.5TP).", "Current product page only states general lounge eligibility; verify app entitlement before travel.", "TP valuation .0033 existing user assumption differs from current bill-redemption .004; propose valuation update separately." ], "sources": [ { "label": "Current product", "url": "https://www.adcb.com/en/personal/cards/credit-cards/touchpoint-ic.aspx", "checkedAt": "2026-10-18" }, { "label": "VAT-inclusive schedule", "url": "https://www.adcb.com/en/multimedia/sof/cb-sof-current-charges-fees.pdf", "checkedAt": "2026-10-18" }, { "label": "Supplemental TouchPoints terms", "url": "https://www.adcb.com/en/multimedia/tnc/cb-tnc-touchpoints-credit-card.pdf", "checkedAt": "2026-10-18" }, { "label": "Current official redemption update", "url": "https://www.adcb.com/en/personal/promotions/tp-updates", "checkedAt": "2026-10-18" } ] }, { "id": "adcb-traveller", "confirmedFields": [ "available current application", "Mastercard World Elite exact product", "20000 salary or20000limit route", "Aspire1575 Privilege/Excellency787.50fee", "bankFX0 networkprocessingseparate", "5000monthlyminimum", "1500monthlycombinedcap", "1.5% otherdomestic", "10%airline/hotelAED&nonAED", "50% onlinecinemaAED", "nootherinternational cashback", "golf currentproduct", "14loungevisits+guest; USD1nonAEDafterfirsttwo unlocks3months", "restrictedExpedia2000welcome15kspend60days+fee" ], "limitations": [ "Direct domestic education/utility/fuel at1.5% is derived from any-other category in bank table, not a separate category-specific promise; merchant coding and nonqualifying transactions apply.", "Assigned-credit-limit cap not an input." ], "sources": [ { "label": "Current product", "url": "https://www.adcb.com/en/personal/cards/credit-cards/traveller-credit-card", "checkedAt": "2026-10-18" }, { "label": "VAT-inclusive schedule", "url": "https://www.adcb.com/en/multimedia/sof/cb-sof-current-charges-fees.pdf", "checkedAt": "2026-10-18" }, { "label": "Current linked Traveller supplemental terms effective2024-07-15", "url": "https://www.adcb.com/en/multimedia/tnc/adcb-traveller-tnc-en.pdf", "checkedAt": "2026-10-18" } ] }, { "id": "adcb-talabat", "confirmedFields": [ "available official application", "conventionalMastercard Platinum(schedule)", "5000salary or3500eligiblelimit", "annualfee0freeforlife", "3.69%interest2.99%bankFX", "1.25generaleligible/0.35selected", "35%talabat10orders35cap350monthly with2500monthlyspend", "750new200existingwelcome5000in45digitalchannel", "fourannualloungefirstfree thenUSD1nonAEDwithin3months", "Reeltwofreemonthlythrough2026-12-31" ], "limitations": [ "Utilities remain zero conservatively for bank-channel bills; no distinct direct-utility rate explicitly stated in talabat product summary.", "School education reward applies eligible MCC; bill-channel exclusions and supplementary primary linkage apply." ], "sources": [ { "label": "Current product", "url": "https://www.adcb.com/en/personal/cards/credit-cards/talabat-credit-card", "checkedAt": "2026-10-18" }, { "label": "VAT-inclusive schedule identifyingtalabatPlatinum", "url": "https://www.adcb.com/en/multimedia/sof/cb-sof-current-charges-fees.pdf", "checkedAt": "2026-10-18" }, { "label": "Talabat supplemental terms", "url": "https://www.adcb.com/en/multimedia/tnc/adcb-talabat-tnc-en.pdf", "checkedAt": "2026-10-18" } ] }, { "id": "mashreq-cashback", "confirmedFields": [ "availablecurrentapplication", "Visa conventional exactproduct", "minimumsalary", "annualfeeVATinclusive", "base/categoryearningrates", "welcomeamount/spendamount", "3.85%monthlypublishedexample46.20%annual", "2.89%bankFXspread", "no mandatorysalarytransferpublished", "Cashback500new100existingwelcome5000firsttwo months", "cashbacknoannualfee primary+supplementary", "no regular cashbackminimum", "5%dininglocal&foreign1%other0.15%localservices", "Cinepolis seasonalbenefit" ], "limitations": [ "Firsttwo-month legalwindow is not exactly60days in all calendars; projected bonus qualification is approximate.", "Bank assigned credit limit/MCC and foreign currency versusAED classification can alter actual rewards.", "Platinum scheme tier is not substantiated on current Cashback card face/product/KFS; remove unsupported tier." ], "sources": [ { "label": "Current product", "url": "https://www.mashreq.com/uae/neo/cards/credit-cards/cashback-credit-card/", "checkedAt": "2026-10-18" }, { "label": "September2026 KFS", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/KFS-TnC/Mashreq-Cards-KFS-new-en-ar.ashx", "checkedAt": "2026-10-18" }, { "label": "Current welcome terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/welcome-offer-tnc-eng.ashx", "checkedAt": "2026-10-18" }, { "label": "Cashback supplemental terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/KFS-TnC/Mashreq-Cashback-Card-tnc-new-en.ashx", "checkedAt": "2026-10-18" }, { "label": "20% merchant introductory offer", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/Acquisition_Offer_2020_TnC_EN.ashx", "checkedAt": "2026-10-18" }, { "label": "Cinepolis2026terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/campaigns/Mashreq-Cinepolis-Cinemas-eng.ashx", "checkedAt": "2026-10-18" } ] }, { "id": "mashreq-platinum-plus", "confirmedFields": [ "availablecurrentapplication", "Visa conventional exactproduct", "minimumsalary", "annualfeeVATinclusive", "base/categoryearningrates", "welcomeamount/spendamount", "3.85%monthlypublishedexample46.20%annual", "2.89%bankFXspread", "no mandatorysalarytransferpublished", "380Vantage=AED1cashback", "Vantagecashvalue is verified rather than zeroexcluded", "Cinepolis8discountedticketsmonthlythrough2026-12-31", "5000salary", "313.95annualfeepayableactivation", "750new200existingwelcome5000firsttwomonths", "10domesticgroceryfueldining/2general&international/0.5localservices", "4annualloungemax2cycle after7000priorcycle" ], "limitations": [ "Firsttwo-month legalwindow is not exactly60days in all calendars; projected bonus qualification is approximate.", "Bank assigned credit limit/MCC and foreign currency versusAED classification can alter actual rewards.", "ProductFAQ suggestsoneguest but current loungePDF sayscardholder; do not promise guestsfreeuntil app/bankconfirms." ], "sources": [ { "label": "Current product", "url": "https://www.mashreq.com/uae/neo/cards/credit-cards/platinum-plus-credit-card/", "checkedAt": "2026-10-18" }, { "label": "September2026 KFS", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/KFS-TnC/Mashreq-Cards-KFS-new-en-ar.ashx", "checkedAt": "2026-10-18" }, { "label": "Current welcome terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/welcome-offer-tnc-eng.ashx", "checkedAt": "2026-10-18" }, { "label": "Current Vantage earning/redemption", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/vantage/mashreq-vantage-earning-redemption-en-new.ashx", "checkedAt": "2026-10-18" }, { "label": "Current lounge terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/KFS-TnC/airport-lounge-tnc-en.ashx", "checkedAt": "2026-10-18" }, { "label": "VOX/Reel/Novo cinema", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/Cinema_Offer_TnC_Mashreq_English.ashx", "checkedAt": "2026-10-18" }, { "label": "Cinepolis2026terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/campaigns/Mashreq-Cinepolis-Cinemas-eng.ashx", "checkedAt": "2026-10-18" } ] }, { "id": "mashreq-solitaire", "confirmedFields": [ "availablecurrentapplication", "Visa conventional exactproduct", "minimumsalary", "annualfeeVATinclusive", "base/categoryearningrates", "welcomeamount/spendamount", "3.85%monthlypublishedexample46.20%annual", "2.89%bankFXspread", "no mandatorysalarytransferpublished", "380Vantage=AED1cashback", "Vantagecashvalue is verified rather than zeroexcluded", "Cinepolis8discountedticketsmonthlythrough2026-12-31", "25000salary", "1575primary/630supplementaryannualfee", "2500new500existingwelcome9000firsttwomonths", "6international/4domestictravel/2otherlocal/1selectedlocalservices", "12annualloungesharedguest/2beforeUSD1foreign", "twoValetpreviouscycle10000", "golfwith10000priorcycle", "cinema8nocardspendminimum" ], "limitations": [ "Firsttwo-month legalwindow is not exactly60days in all calendars; projected bonus qualification is approximate.", "Bank assigned credit limit/MCC and foreign currency versusAED classification can alter actual rewards." ], "sources": [ { "label": "Current product", "url": "https://www.mashreq.com/uae/neo/cards/credit-cards/solitaire-credit-card/", "checkedAt": "2026-10-18" }, { "label": "September2026 KFS", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/KFS-TnC/Mashreq-Cards-KFS-new-en-ar.ashx", "checkedAt": "2026-10-18" }, { "label": "Current welcome terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/welcome-offer-tnc-eng.ashx", "checkedAt": "2026-10-18" }, { "label": "Current Vantage earning/redemption", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/vantage/mashreq-vantage-earning-redemption-en-new.ashx", "checkedAt": "2026-10-18" }, { "label": "Current lounge terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/KFS-TnC/airport-lounge-tnc-en.ashx", "checkedAt": "2026-10-18" }, { "label": "VOX/Reel/Novo cinema", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/Cinema_Offer_TnC_Mashreq_English.ashx", "checkedAt": "2026-10-18" }, { "label": "Cinepolis2026terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/campaigns/Mashreq-Cinepolis-Cinemas-eng.ashx", "checkedAt": "2026-10-18" }, { "label": "Valet terms effectiveJuly2026", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/valet-parking-tnc-solitaire-new-eng.ashx", "checkedAt": "2026-10-18" } ] }, { "id": "emirates-nbd-duo", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee (current product offer)", "network", "tier", "baseRewardRate", "rewardRules", "monthlySpendThreshold", "monthlyRewardCapAED", "cinemaOffer", "cardImageUrl" ], "limitations": [ "No permanent fee waiver established; generic tariff conflicts with current offer.", "Product-specific number of Mastercard/Diners lounge visits and exact Duo golf frequency remain unconfirmed publicly.", "Electronics accelerated earning is not represented separately by current calculator categories." ], "sources": [ "https://www.emiratesnbd.com/en/cards/credit-cards/duo-credit-cards", "https://www.emiratesnbd.com/-/media/enbd/files/credit-cards/emiratesnbd_credit_card_fees_charges.pdf", "https://cdn.emiratesnbd.com/enbd/files/pdf/kfs_credit_cards_horizontal_em_new.pdf", "https://www.emiratesnbd.com/en/help-and-support/earning-plus-points", "https://www.emiratesnbd.com/en/help-and-support/redeeming-plus-points", "https://www.emiratesnbd.com/en/help-and-support/golf-privileges" ] }, { "id": "fab-cashback", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "interestOrProfitRatePerMonth", "monthlySpendThreshold", "monthlyRewardCapAED", "rewardStartDelayMonths", "rewardRules", "loungeAccess", "network", "tier" ], "limitations": [ "Scheme and acquirer charges cannot be represented as one universal FX total.", "Individual credit limit is unknown.", "The old local card image had a rectangular transparency/background artifact; replace with the newly fetched official file." ], "sources": [ "https://www.bankfab.com/en-ae/personal/credit-cards/cashback-credit-card", "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/fees-and-charges/credit-card.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/terms-and-conditions-consolidated/card-specific/fab-cashback-creditcard-tnc-en-01082024.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/terms-and-conditions-consolidated/lifestyle/cinema-en.pdf?view=1" ] }, { "id": "enbd-skywards-infinite", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "joiningFeeAED", "welcomeBonusPointsOrCash", "baseRewardRate", "rewardRules", "network", "tier", "golfPrivileges", "cardImageUrl" ], "limitations": [ "Ninety days approximates first three billing statements; transaction-level rounding and the approved credit limit are unmodelled.", "Generic Utilities input cannot distinguish direct merchant payments from excluded ENBD banking-channel payments." ], "sources": [ "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-infinite-credit-card", "https://www.emiratesnbd.com/-/media/enbd/files/credit-cards/emiratesnbd_credit_card_fees_charges.pdf", "https://cdn.emiratesnbd.com/enbd/files/pdf/kfs_credit_cards_horizontal_em_new.pdf", "https://www.emiratesnbd.com/en/help-and-support/earning-skywards-miles-on-your-credit-card", "https://www.emiratesnbd.com/-/media/enbd/files/credit-cards/skywards_100k_acquisition_tnc_en_30oct2018.pdf", "https://www.emiratesnbd.com/en/help-and-support/airport-lounge-access-visa", "https://www.emiratesnbd.com/en/help-and-support/golf-privileges", "https://www.emiratesnbd.com/en/help-and-support/creditcard-movie-benefits", "https://www.emiratesnbd.com/en/help-and-support/vox-credit-card-movie-benefits" ] }, { "id": "enbd-skywards-signature", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "joiningFeeAED", "welcomeBonusPointsOrCash", "baseRewardRate", "rewardRules", "network", "tier", "golfPrivileges", "cardImageUrl" ], "limitations": [ "Ninety days approximates first three billing statements; transaction-level rounding and the approved credit limit are unmodelled.", "Generic Utilities input cannot distinguish direct merchant payments from excluded ENBD banking-channel payments.", "Conflicting product hero EU/UK figure 0.37 versus dedicated earning table 0.5 miles/USD." ], "sources": [ "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-signature-credit-card", "https://www.emiratesnbd.com/-/media/enbd/files/credit-cards/emiratesnbd_credit_card_fees_charges.pdf", "https://cdn.emiratesnbd.com/enbd/files/pdf/kfs_credit_cards_horizontal_em_new.pdf", "https://www.emiratesnbd.com/en/help-and-support/earning-skywards-miles-on-your-credit-card", "https://www.emiratesnbd.com/-/media/enbd/files/credit-cards/skywards_100k_acquisition_tnc_en_30oct2018.pdf", "https://www.emiratesnbd.com/en/help-and-support/airport-lounge-access-visa", "https://www.emiratesnbd.com/en/help-and-support/golf-privileges", "https://www.emiratesnbd.com/en/help-and-support/creditcard-movie-benefits", "https://www.emiratesnbd.com/en/help-and-support/vox-credit-card-movie-benefits" ] }, { "id": "fab-etihad-infinite", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "welcomeBonusPointsOrCash", "activePromotion (all dates, joining and spend stages)", "interestOrProfitRatePerMonth", "baseRewardRate", "network", "tier", "cardImageUrl" ], "limitations": [ "Generic International Spend cannot simultaneously encode essential-category MCCs and currency; label foreign estimate as eligible general retail.", "Approved credit-limit restriction is not computable without the cardholder limit.", "Current Visa app visit entitlement and network lounge qualification should be confirmed in the app; product advertising alone does not guarantee admission." ], "sources": [ "https://www.bankfab.com/en-ae/personal/credit-cards/etihad-guest-infinite", "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/fees-and-charges/credit-card.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/terms-and-conditions-consolidated/card-specific/etihad-guest-credit-cards-faqs.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/promotions/2026/etihad-guest-welcome-offer/etihad-guest-credit-cards-october-2026-welcome-offer-terms-and-conditions-en.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/terms-and-conditions-consolidated/lifestyle/cinema-en.pdf?view=1" ] }, { "id": "fab-etihad-signature", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "welcomeBonusPointsOrCash", "activePromotion (all dates, joining and spend stages)", "interestOrProfitRatePerMonth", "baseRewardRate", "network", "tier", "cardImageUrl" ], "limitations": [ "Generic International Spend cannot simultaneously encode essential-category MCCs and currency; label foreign estimate as eligible general retail.", "Approved credit-limit restriction is not computable without the cardholder limit.", "Current Visa app visit entitlement and network lounge qualification should be confirmed in the app; product advertising alone does not guarantee admission." ], "sources": [ "https://www.bankfab.com/en-ae/personal/credit-cards/etihad-guest-signature", "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/fees-and-charges/credit-card.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/terms-and-conditions-consolidated/card-specific/etihad-guest-credit-cards-faqs.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/promotions/2026/etihad-guest-welcome-offer/etihad-guest-credit-cards-october-2026-welcome-offer-terms-and-conditions-en.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/terms-and-conditions-consolidated/lifestyle/cinema-en.pdf?view=1" ] }, { "id": "enbd-marriott-world", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee (product offer)", "freeForLife (product offer)", "baseRewardRate", "rewardRules", "welcomeBonusPointsOrCash", "network", "tier", "cardImageUrl" ], "limitations": [ "Generic KFS fees conflict with product-specific waiver; finance rate also conflicts.", "No universal cash value assigned to hotel certificates or targeted e-gift codes.", "Fast-food transaction size, European spend and approved credit-limit details are not user inputs." ], "sources": [ "https://www.emiratesnbd.com/en/cards/credit-cards/marriott-bonvoy-world-mastercard", "https://www.emiratesnbd.com/-/media/enbd/files/credit-cards/emiratesnbd_credit_card_fees_charges.pdf", "https://cdn.emiratesnbd.com/enbd/files/pdf/kfs_credit_cards_horizontal_em_new.pdf", "https://cdn.emiratesnbd.com/enbd/files/pdf/marriott_bonvoy_gift_card_tcs.pdf", "https://www.emiratesnbd.com/en/help-and-support/creditcard-movie-benefits", "https://www.emiratesnbd.com/en/help-and-support/vox-credit-card-movie-benefits" ] }, { "id": "enbd-u-emaar-infinite", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "joiningFeeAED", "welcomeBonusPointsOrCash", "welcomeMilestones", "baseRewardRate", "cinemaOffer", "valetParkingText", "network", "tier", "cardImageUrl" ], "limitations": [ "Generic foreign-spend entry cannot isolate EU-origin spend.", "Retail transactions converted to 0% instalment plans do not earn except eligible Emaar-entity transactions.", "Statement deadlines are not equivalent to an exact ninety-calendar-day period." ], "sources": [ "https://www.emiratesnbd.com/en/cards/credit-cards/u-by-emaar-infinite-credit-card", "https://www.emiratesnbd.com/-/media/enbd/files/credit-cards/emiratesnbd_credit_card_fees_charges.pdf", "https://cdn.emiratesnbd.com/enbd/files/pdf/kfs_credit_cards_horizontal_em_new.pdf", "https://www.emiratesnbd.com/en/help-and-support/earning-upoints", "https://www.emiratesnbd.com/en/help-and-support/redeeming-upoints", "https://www.emiratesnbd.com/en/help-and-support/airport-lounge-access-visa", "https://www.emiratesnbd.com/en/help-and-support/golf-privileges", "https://www.emiratesnbd.com/en/help-and-support/creditcard-movie-benefits" ] }, { "id": "enbd-share-infinite", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "joiningFeeAED", "joiningFeeWaiverRequirement", "spendRequirementForBonus", "welcomeBonusPointsOrCash", "baseRewardRate", "rewardRules", "network", "tier", "cardImageUrl" ], "limitations": [ "Foreign geography and participating Carrefour/SHARE merchants are not separable in the generic spend inputs.", "Lounge visit counts depend on app/card entitlement." ], "sources": [ "https://www.emiratesnbd.com/en/cards/credit-cards/share-visa-infinite-credit-card", "https://www.emiratesnbd.com/-/media/enbd/files/credit-cards/emiratesnbd_credit_card_fees_charges.pdf", "https://cdn.emiratesnbd.com/enbd/files/pdf/kfs_credit_cards_horizontal_em_new.pdf", "https://www.emiratesnbd.com/en/help-and-support/vox-credit-card-movie-benefits", "https://www.emiratesnbd.com/en/help-and-support/airport-lounge-access-visa", "https://www.emiratesnbd.com/en/help-and-support/golf-privileges" ] }, { "id": "fab-blue-signature", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "freeForLife", "baseRewardRate", "rewardRules", "monthlyRewardCapAED", "loungeAccess", "network", "tier", "cardImageUrl" ], "limitations": [ "Calculator does not identify participating Al-Futtaim merchants or the additional Blue-app activity.", "Network lounge qualification and current app entitlement must be checked; no universal visit count is inferred." ], "sources": [ "https://www.bankfab.com/en-ae/personal/credit-cards/blue-fab-signature-credit-card", "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/fees-and-charges/credit-card.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/blue-common/al-futtaim-fab-rewards--en-terms--conditions.pdf", "https://www.bankfab.com/-/media/fab-uds/personal/terms-and-conditions-consolidated/lifestyle/cinema-en.pdf?view=1" ] }, { "id": "fab-blue-infinite", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "freeForLife", "baseRewardRate", "rewardRules", "monthlyRewardCapAED", "loungeAccess", "network", "tier", "cardImageUrl" ], "limitations": [ "Calculator does not identify participating Al-Futtaim merchants or the additional Blue-app activity.", "Network lounge qualification and current app entitlement must be checked; no universal visit count is inferred.", "Visitor nationality and prior-card status unknown; do not add AED 5,000 to generic forecast." ], "sources": [ "https://www.bankfab.com/en-ae/personal/credit-cards/blue-fab-infinite-credit-card", "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/fees-and-charges/credit-card.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/blue-common/al-futtaim-fab-rewards--en-terms--conditions.pdf", "https://www.bankfab.com/-/media/fab-uds/personal/terms-and-conditions-consolidated/lifestyle/cinema-en.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/promotions/2026/blue-credit-card-welcome-offer/blue-fab-infinite-credit-card-welcome-offer-terms-conditions-en.pdf?view=1" ] }, { "id": "fab-cashback-islamic", "confirmedFields": [ "status", "name", "minMonthlySalary", "annualFee", "isIslamic", "islamicStructure", "interestOrProfitRatePerMonth", "fxMarkupPercent (separate Islamic schedule)", "network", "tier", "cardImageUrl", "rewardRules (detailed expat schedule)" ], "limitations": [ "Marketing and detailed terms conflict on threshold/caps; even programme clauses 7 and 8 contradict. Do not label the product fully verified.", "Actual nationality-specific account terms need bank confirmation.", "Lounge marketing does not establish every cardholder/guest entitlement." ], "sources": [ "https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/cashback-islamic-credit-card", "https://www.bankfab.com/-/media/fab-uds/islamic-banking/personal-islamic-banking/islamic-cards/fab-cashback-islamic-credit-card/schedule-of-charges.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/terms-and-conditions-consolidated/fab-islamic/fab-cashback-islamic-credit-card-programme-tc-august-en.pdf?view=1" ] }, { "id": "hsbc-live-plus", "confirmedFields": [ "Visa Signature image and product", "fees and standard monthly interest", "category rates, separate caps and threshold", "direct school and utility 0.5% example", "income routes", "cinema and lounge qualifier", "current welcome dates and spending stage" ], "limitations": [ "Individual employer approval, assigned limit and transaction classification cannot be guaranteed.", "Optional entertainment and action-dependent welcome stages are excluded from this generic model." ], "sources": [ { "label": "Current product", "url": "https://www.hsbc.ae/credit-cards/products/live-plus/" }, { "label": "Live+ category and direct-merchant terms", "url": "https://www.hsbc.ae/content/dam/hsbc/ae/docs/en/cards/cashback-credit-card-tncs.pdf" }, { "label": "Current HSBC tariff, effective 6 October 2026", "url": "https://www.hsbc.ae/content/dam/hsbc/ae/docs/en/uae-schedule-of-services-and-tariffs.pdf" } ] }, { "id": "hsbc-cash-plus", "confirmedFields": [ "Visa Infinite exact current artwork", "income and VAT-inclusive annual fee", "1% base rewards", "5,000/month,25,000/quarter,125,000/year bonus targets", "Visa lounge programme and one guest", "cinema10,000 threshold", "first-year campaign" ], "limitations": [ "Actual credit limit, periods and personal account standing affect results." ], "sources": [ { "label": "Current product", "url": "https://www.hsbc.ae/credit-cards/products/cash-plus/" }, { "label": "Current HSBC tariff, effective 6 October 2026", "url": "https://www.hsbc.ae/content/dam/hsbc/ae/docs/en/uae-schedule-of-services-and-tariffs.pdf" }, { "label": "Cash+ legal bonus table, page2", "url": "https://www.hsbc.ae/content/dam/hsbc/ae/docs/en/cards/cash-plus-credit-card-tncs.pdf" } ] }, { "id": "hsbc-premier", "confirmedFields": [ "current Mastercard Premier exact artwork; no World Elite inferred", "zero card annual fee", "one point/AED", "eight lounge visits and three-month foreign-purchase qualifier", "current330,000 headline and200,000 spend stage", "cinema6,000 threshold" ], "limitations": [ "Exact scheme tier is not printed on checked artwork.", "Point value is an editorial assumption.", "Premier relationship status and individual application approval must be confirmed." ], "sources": [ { "label": "Current product", "url": "https://www.hsbc.ae/credit-cards/products/premier/" }, { "label": "Current HSBC tariff, effective 6 October 2026", "url": "https://www.hsbc.ae/content/dam/hsbc/ae/docs/en/uae-schedule-of-services-and-tariffs.pdf" }, { "label": "Official campaign terms", "url": "https://www.hsbc.ae/content/dam/hsbc/ae/docs/en/offers/hsbc-premier-credit-card-welcome-offer-campaign-tncs.pdf" }, { "label": "Official Premier account eligibility", "url": "https://www.hsbc.ae/current-accounts/products/premier/" } ] }, { "id": "citi-premier", "confirmedFields": [ "available exact Mastercard product", "salary15,000 and fee787.50", "finance3.69% and processing2.99%", "accelerated and reduced earning rules", "45point cash conversion", "welcome direct-channel exclusion", "official image unchanged" ], "limitations": [ "Approved credit limit is not an input; forecast assumes sufficient limit.", "Generic foreign-spend category assumes eligible non-European currency." ], "sources": [ { "label": "Current product", "url": "https://www.citibank.ae/credit-cards/rewards/citi-premier-credit-card" }, { "label": "Citi Premier earning restrictions", "url": "https://www.citibank.ae/content/dam/cgcpc/ae/prelogin/www-citibank-ae/doc/en/pdf/credit-cards/prestige-credit-cards-thankyou-points.pdf" }, { "label": "Citi fee schedule, finance charge effective October 2026", "url": "https://www.citibank.ae/content/dam/cgcpc/ae/prelogin/www-citibank-ae/doc/pdf/fees-and-charges.pdf" }, { "label": "Official fees / key facts", "url": "https://www.citibank.ae/content/dam/cgcpc/ae/prelogin/www-citibank-ae/doc/pdf/fees-and-charges.pdf" }, { "label": "Official points redemption", "url": "https://www.citibank.ae/credit-cards/rewards-and-redemptions?icid=AEMMCC17" } ] }, { "id": "citi-cashback", "confirmedFields": [ "fee315inclVAT; firstyearwaived; renewal9,000target", "salary8,000", "3%foreign,2%grocery,1%other", "eight currentloungevisits; FAQunlimitedwording is superseded", "directwebsite300welcome excluded", "finance3.69 and processing2.99", "official current card image" ], "limitations": [ "Rewards capped by assigned credit limit.", "Bank-channel utility payments excluded; direct merchant payments assumed." ], "sources": [ { "label": "Current product", "url": "https://www.citibank.ae/credit-cards/cashback/citi-cashback-credit-card" }, { "label": "Citi fee schedule, finance charge effective October 2026", "url": "https://www.citibank.ae/content/dam/cgcpc/ae/prelogin/www-citibank-ae/doc/pdf/fees-and-charges.pdf" } ] }, { "id": "citi-simplicity", "confirmedFields": [ "salary5,000", "zero annual/late/overlimit/cashadvancefees", "finance3.69 stillapplies", "FX2.99 plusconversion", "no spend rewards verified", "exact official artwork" ], "limitations": [ "Approval and personal credit limit remain at bank discretion." ], "sources": [ { "label": "Current product", "url": "https://www.citibank.ae/credit-cards/no-annual-fee/citi-simplicity-credit-card" }, { "label": "Citi fee schedule, finance charge effective October 2026", "url": "https://www.citibank.ae/content/dam/cgcpc/ae/prelogin/www-citibank-ae/doc/pdf/fees-and-charges.pdf" } ] }, { "id": "sc-simply-cash", "confirmedFields": [ "existingclientavailability", "VisaSignature", "fees andwaivers", "retail3.69%", "1%general/2%foreign/0.2%specific", "lounge8 andactivation", "official artwork" ], "limitations": [ "Foreigntransactioncharge is a published upperlimit, not an exact universal assignedfee.", "Minimumsalary for closed newapplications notpublished." ], "sources": [ { "label": "Current product", "url": "https://www.sc.com/ae/credit-cards/simply-cash/" }, { "label": "Standard Chartered current price guide", "url": "https://av.sc.com/ae/content/docs/ae-sp-price-guide-conventional-english-v3.pdf" } ] }, { "id": "sc-journey", "confirmedFields": [ "availableVisaInfinite", "income30,000 and bankaccount", "fee1,575 inclVAT", "fee waiver10,000/60days", "2/4point earning and125point voucher", "current headeroffer has expiredterms", "loungeandcinemaconditional" ], "limitations": [ "Essential-category earning excluded conservatively.", "Golfminimum conflicts between detail andolderFAQ; verifybeforebooking.", "Foreignfee is a published maximum." ], "sources": [ { "label": "Current product", "url": "https://www.sc.com/ae/credit-cards/journey/" }, { "label": "Standard Chartered current price guide", "url": "https://av.sc.com/ae/content/docs/ae-sp-price-guide-conventional-english-v3.pdf" }, { "label": "Expired welcome terms", "url": "https://av.sc.com/ae/content/docs/ae-scb-cc-welcome-cashbackback-offer-english-july-sep.pdf" } ] }, { "id": "wio-credit", "confirmedFields": [ "Mastercardcurrentart", "unsecuredsalaryminimum7,000", "age/employmentcriteria", "2%eligible retail and0.5%utility/government/realestate", "shared2,500monthlycap", "Standardplanexcluded", "Plus49feeand35,000balancewaiver", "separatedepositbackedcard inKFS" ], "limitations": [ "Personalcreditapproval, interestoffer and exactcreditFXfee require inappconfirmation.", "Salary/balance planfee waivers andotheraccountcashback are not automaticallymodelled.", "Unsecuredandsecuredeligibility must not beconflated." ], "sources": [ { "label": "Current product", "url": "https://wio.io/personal-credit" }, { "label": "Wio Personal Credit KFS version5, August2026", "url": "https://wio.io/file/wio-personal-credit-KFS-version-5(Eng)-august-2026.pdf" }, { "label": "Wio September2026 schedule", "url": "https://wio.io/file/personal-fees.pdf" }, { "label": "WioPlusaccountfees", "url": "https://wio.io/file/wio-personal-accounts-KFS-version-11(Eng)-april-2026.pdf" } ] }, { "id": "rakbank-world-cashback", "confirmedFields": { "name": "RAKBANK World Cashback Credit Card", "issuer": "RAKBANK", "network": "Mastercard", "tier": "World", "annualFee": 997.5, "minMonthlySalary": 20000, "interestOrProfitRatePerMonth": 3.65, "fxMarkupPercent": 2.57, "status": "available" }, "limitations": [ "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." ], "sources": [ { "label": "Official product page", "url": "https://www.rakbank.ae/en/cards/credit-cards/world-credit-card" }, { "label": "Current card comparison: salary and fee waiver", "url": "https://www.rakbank.ae/en/cc" }, { "label": "VAT-inclusive service and price guide", "url": "https://www.rakbank.ae/globalassets/rakbank/all-pdfs/001---service-and-price-guides/bilingual/012-j00686-sp-consumercreditcard.pdf" } ] }, { "id": "rakbank-air-arabia-platinum", "confirmedFields": { "name": "RAKBANK Air Arabia Platinum Credit Card", "issuer": "RAKBANK", "network": "Mastercard", "tier": "Platinum", "annualFee": 420, "minMonthlySalary": 5000, "interestOrProfitRatePerMonth": 3.65, "fxMarkupPercent": 2.57, "status": "available" }, "limitations": [ "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." ], "sources": [ { "label": "Official product page", "url": "https://www.rakbank.ae/en/cards/credit-cards/air-arabia-platinum" }, { "label": "Air Arabia card KFS", "url": "https://www.rakbank.ae/globalassets/rakbank/all-pdfs/001---key-fact-statements/bilingual/kfs001-air-arabia-platinum-mastercard.pdf" }, { "label": "VAT-inclusive service and price guide", "url": "https://www.rakbank.ae/globalassets/rakbank/all-pdfs/001---service-and-price-guides/bilingual/012-j00686-sp-consumercreditcard.pdf" }, { "label": "Current salary and annual-fee comparison", "url": "https://www.rakbank.ae/en/cc" } ] }, { "id": "rakbank-red", "confirmedFields": { "name": "RAKBANK RED Cashback Credit Card", "issuer": "RAKBANK", "network": "Mastercard", "tier": null, "annualFee": 0, "minMonthlySalary": 5000, "interestOrProfitRatePerMonth": 3.65, "fxMarkupPercent": 2.57, "status": "available" }, "limitations": [ "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." ], "sources": [ { "label": "Official product page", "url": "https://www.rakbank.ae/en/cards/credit-cards/red-credit-card" }, { "label": "RED card KFS", "url": "https://www.rakbank.ae/globalassets/rakbank/all-pdfs/001---key-fact-statements/bilingual/kfs012-red-credit-card.pdf" }, { "label": "VAT-inclusive service and price guide", "url": "https://www.rakbank.ae/globalassets/rakbank/all-pdfs/001---service-and-price-guides/bilingual/012-j00686-sp-consumercreditcard.pdf" }, { "label": "Minimum salary comparison", "url": "https://www.rakbank.ae/en/cc" } ] }, { "id": "cbd-super-saver", "confirmedFields": { "name": "CBD Super Saver Visa Signature Credit Card", "issuer": "CBD", "network": "Visa", "tier": "Signature", "annualFee": 420, "minMonthlySalary": 5000, "interestOrProfitRatePerMonth": 3.85, "fxMarkupPercent": null, "status": "available" }, "limitations": [ "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." ], "sources": [ { "label": "Official product page", "url": "https://www.cbd.ae/personal/cards/credit-cards/super-saver" }, { "label": "Official B.E.S.T cashback grid", "url": "https://www.cbd.ae/docs/default-source/revamp-doc/supersaver-cashback-grid.pdf?sfvrsn=c9612b6b_2" }, { "label": "Cashback and redemption terms", "url": "https://www.cbd.ae/personal/more/cbd-rewards/super-saver-cashback" }, { "label": "VAT-inclusive card schedule of charges", "url": "https://www.cbd.ae/cbdone/assets/doc/fees_2025.pdf" } ] }, { "id": "cbd-one", "confirmedFields": { "name": "CBD One Visa Signature Credit Card", "issuer": "CBD", "network": "Visa", "tier": "Signature", "annualFee": 0, "minMonthlySalary": 5000, "interestOrProfitRatePerMonth": 3.85, "fxMarkupPercent": null, "status": "available" }, "limitations": [ "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." ], "sources": [ { "label": "Official product page", "url": "https://www.cbd.ae/personal/cards/credit-cards/cbd-one" }, { "label": "Current CBD One FAQ, March 2025", "url": "https://www.cbd.ae/cbdone/assets/doc/FAQ_2025_Latest.pdf" }, { "label": "Alternate March 2025 FAQ", "url": "https://www.cbd.ae/cbdone/assets/doc/FAQ_2025.pdf" }, { "label": "VAT-inclusive card schedule of charges", "url": "https://www.cbd.ae/cbdone/assets/doc/fees_2025.pdf" } ] }, { "id": "cbd-smiles-signature", "confirmedFields": { "name": "CBD Smiles Visa Signature Credit Card", "issuer": "CBD", "network": "Visa", "tier": "Signature", "annualFee": 525, "minMonthlySalary": 5000, "interestOrProfitRatePerMonth": 3.85, "fxMarkupPercent": null, "status": "available" }, "limitations": [ "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." ], "sources": [ { "label": "Official product page", "url": "https://www.cbd.ae/personal/cards/credit-cards/smiles-signature" }, { "label": "VAT-inclusive card schedule of charges", "url": "https://www.cbd.ae/cbdone/assets/doc/fees_2025.pdf" } ] }, { "id": "emirates-islamic-skywards-black", "confirmedFields": { "name": "Emirates Islamic Skywards Black Credit Card", "issuer": "Emirates Islamic", "network": "Visa", "tier": "Infinite", "annualFee": 2100, "minMonthlySalary": 35000, "interestOrProfitRatePerMonth": 3.25, "fxMarkupPercent": 2.3, "status": "available" }, "limitations": [ "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." ], "sources": [ { "label": "Official product page", "url": "https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card" }, { "label": "Detailed Skywards category and EEA/UK earn table", "url": "https://www.emiratesislamic.ae/en/personal-banking/cards/credit-cards/skywards-cards/skywards-miles-details" }, { "label": "VAT-inclusive card schedule of charges", "url": "https://www.emiratesislamic.ae/en/soc/cards" }, { "label": "Official catalogue: salary and artwork", "url": "https://www.emiratesislamic.ae/en/cards/credit-cards" } ] }, { "id": "emirates-islamic-skywards-signature", "confirmedFields": { "name": "Emirates Islamic Skywards Signature Credit Card", "issuer": "Emirates Islamic", "network": "Visa", "tier": "Signature", "annualFee": 735, "minMonthlySalary": 12000, "interestOrProfitRatePerMonth": 3.69, "fxMarkupPercent": 2.54, "status": "available" }, "limitations": [ "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." ], "sources": [ { "label": "Official product page", "url": "https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-signature-credit-card" }, { "label": "Detailed Skywards category and EEA/UK earn table", "url": "https://www.emiratesislamic.ae/en/personal-banking/cards/credit-cards/skywards-cards/skywards-miles-details" }, { "label": "VAT-inclusive card schedule of charges", "url": "https://www.emiratesislamic.ae/en/soc/cards" }, { "label": "Official catalogue: salary and artwork", "url": "https://www.emiratesislamic.ae/en/cards/credit-cards" } ] }, { "id": "emirates-islamic-rta", "confirmedFields": { "name": "Emirates Islamic RTA Platinum Credit Card", "issuer": "Emirates Islamic", "network": "Visa", "tier": "Platinum", "annualFee": 0, "minMonthlySalary": 5000, "interestOrProfitRatePerMonth": 3.69, "fxMarkupPercent": 2.54, "status": "available" }, "limitations": [ "No annual membership fee on RTA Platinum. AED 1,000 minimum retail spend per statement cycle to earn cashback from 1 March 2025; minimum 300 cashback points for redemption, two-year reward validity and assigned-credit-limit earning cap.", "Fuel 10% cashback capped AED 75/month and RTA transport 10% capped separately at AED 75/month. Eligible RTA ticket offices, vending machines and approved agents differ from online RTA/Nol/Salik transactions, which the issuer identifies as unrewarded smart-government payments.", "General international 2.25%, domestic 1.25%, EEA/UK 0.56%, groceries 1%, fast food 0.31%, auto/insurance 0.19%, education/telecom/real estate 0.13%. Government transactions, charity and bank-channel bills are excluded.", "Model uses zero for utility/government spending and does not assign an accelerated Salik rate. Actual merchant/channel controls eligibility.", "FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement. Built-in Nol wallet and credit-card account remain separate." ], "sources": [ { "label": "Official product page", "url": "https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card" }, { "label": "VAT-inclusive card schedule of charges", "url": "https://www.emiratesislamic.ae/en/soc/cards" }, { "label": "Official catalogue: salary and artwork", "url": "https://www.emiratesislamic.ae/en/cards/credit-cards" } ] }, { "id": "emirates-islamic-cashback-plus", "confirmedFields": { "name": "Emirates Islamic Cashback Plus Credit Card", "issuer": "Emirates Islamic", "network": "Visa", "tier": "Signature", "annualFee": 313.95, "minMonthlySalary": 12000, "interestOrProfitRatePerMonth": 3.69, "fxMarkupPercent": 2.54, "status": "available" }, "limitations": [ "Monthly total spend below AED 3,000 earns no cashback; AED 3,000–9,999 earns 3%, AED 10,000–17,499 earns 5%, AED 17,500+ earns 10% on qualifying supermarkets, education, dining and telecom. Each category has a separate AED 200/month cap.", "One cashback point equals AED 1. There is no verified broad 10% cashback on all spending; telecom must be identified separately and not inferred from general utility input.", "Annual fee AED 313.95 including VAT. Current catalogue advertises first-year waiver after AED 5,000 qualifying retail spend within 90 days and subsequent annual waiver after AED 30,000. The calculator first-year waiver is conditional.", "One complimentary valet/month needs AED 5,000 monthly spend from 1 March 2026. Two golf rounds/month, lounge, takaful and meet-and-greet benefits have additional issuer/provider eligibility.", "FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement." ], "sources": [ { "label": "Official product page", "url": "https://www.emiratesislamic.ae/en/cards/credit-cards/cashback-plus-card" }, { "label": "VAT-inclusive card schedule of charges", "url": "https://www.emiratesislamic.ae/en/soc/cards" }, { "label": "Official catalogue: salary, fee waiver and artwork", "url": "https://www.emiratesislamic.ae/en/cards/credit-cards" } ] }, { "id": "mashreq-noon", "confirmedFields": { "name": "Mashreq noon Credit Card", "issuer": "Mashreq", "network": "Visa", "tier": null, "annualFee": 0, "minMonthlySalary": null, "interestOrProfitRatePerMonth": 3.85, "fxMarkupPercent": 2.89, "status": "available" }, "limitations": [ "Current official name is Mashreq noon Credit Card. VIP survives in older campaigns, card-image filename and noon membership URLs; it is not treated as a separate currently advertised product.", "Free for life. Earn 5% restricted noon credits at noon, noon Food, noon Minutes, noon supermall, NowNow and Namshi; 1% ordinary eligible retail; 0.33% government, utilities, education, charity, fuel, rental and telecom. No minimum earning spend; assigned monthly credit limit still caps earning spend.", "Cashback transfers monthly to the linked noon account and redeems at noon checkout; it is not freely withdrawable statement cashback. Bank-channel bill payments, cash/transfer facilities, charges and reversed purchases are excluded.", "Standard welcome headline AED 500 for new Mashreq credit-card customers after AED 5,000 in the first two months; existing customers AED 100. Sixty days is a planning approximation: exact calendar-month and exclusion rules depend on application offer. Confirm payout form and new-customer eligibility.", "Monthly interest 3.85%; international bank spread 2.89% VAT not applicable, plus Visa/Mastercard network charges. No complimentary lounge access was verified." ], "sources": [ { "label": "Official product page", "url": "https://www.mashreq.com/en/uae/neo/cards/credit-cards/noon-credit-card/" }, { "label": "Current bilingual card KFS", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/KFS-TnC/Mashreq-Cards-KFS-new-en-ar.ashx" }, { "label": "noon cashback terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/noon/Mahreq_noon_Credit_Card_Terms_and_Conditions_en.ashx" }, { "label": "Welcome offer terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/cards/welcome-offer-tnc-eng.ashx" } ] } ], "accounts": [ { "id": "mashreq-neo-salary-transfer", "patch": { "updatedAt": "2026-10-18", "notes": [ "First-salary tiers: AED 5,000–9,999 gives AED 100 base + AED 100 early; AED 10,000–19,999 gives AED 350 + AED 250; AED 20,000–49,999 gives AED 1,000 + AED 800; AED 50,000+ gives AED 2,500 + AED 1,500.", "For first eligible salary from 1 August 2026, both base and early bonuses are paid in 12 equal monthly instalments. Payments start within 90 days from first salary. Early bonus requires first salary within 90 days of first-ever Mashreq account opening.", "Once per lifetime. Previous salary-bonus recipients, Gold/Private customers and bank employees are excluded. Salary must come from a UAE-registered employer through approved salary channels.", "First salary locks the tier. Increases cannot increase the bonus; decreases can reduce future instalments. A missing or sub-AED 5,000 salary month forfeits that instalment. Two consecutive missing months during the 12-month period trigger clawback.", "Product FAQ still mentions six-month payout and a seven-month window; the newer August 2026 linked PDF governs new qualifiers. Exact credit dates are not guaranteed." ] }, "confirmedFields": [ "salarybracketsandbase/earlyamounts", "twelvemonthinstalments", "90dayearlybird", "12monthclawback", "minsalary5000" ], "unresolved": [ "Accountfees/minimumbalancerequireseparatebankingschedule;notfullyresolvedinthistask." ], "sources": [ { "label": "Currentproduct", "url": "https://www.mashreq.com/uae/neo/accounts/current-accounts/salary-transfer/", "checkedAt": "2026-10-18" }, { "label": "Current salary terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/accounts-deposits/TnCs/2026/neo-salary-bonus-tnc-en-ar.ashx", "checkedAt": "2026-10-18" }, { "label": "Current early bird terms", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/accounts-deposits/TnCs/2026/mashreq-early-bird-tnc-en-ar.ashx", "checkedAt": "2026-10-18" } ] }, { "id": "mashreq-neo-plus-saver", "patch": { "updatedAt": "2026-10-18", "minMonthlyBalanceToAvoidFee": 0, "notes": [ "6.25% p.a. with AED 10,000+ salary transfer; alternatively 5% with AED 50,000 monthly average NEO PLUS Saver balance when salary does not qualify.", "Interest-earning balance is capped at AED 500,000; excess earns zero. More than two debit transactions in a month forfeits all interest that month.", "Variable rate; interest credited monthly. Salary rate ends after two consecutive missing salary months; the 5% alternative still requires AED 50,000 average balance.", "No NEO PLUS Saver monthly or fall-below fee. Underlying NEO current/savings account fees are separate. Active NEO account required; Gold/Private customers excluded." ] }, "confirmedFields": [ "6.25salary/5balance alternative", "10000salary", "50000balancealternative", "500000interestcap", "2debitmaximum", "nomonthlyfee", "monthlyinterest" ], "unresolved": [ "UnderlyingNEOaccountfeeisnotthesameasSavernofee." ], "sources": [ { "label": "Currentproduct", "url": "https://www.mashreq.com/en/uae/neo/accounts/savings-accounts/neo-plus-saver-account/", "checkedAt": "2026-10-18" }, { "label": "Currentrates/illustrations", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/accounts-deposits/KFS/2025/neo-plus-saver-account-interest-rates-en-ar.ashx", "checkedAt": "2026-10-18" }, { "label": "KFS", "url": "https://www.mashreq.com/-/jssmedia/pdfs/neo/accounts-deposits/KFS/2025/neo-plus-saver-account-kfs-en-ar.ashx", "checkedAt": "2026-10-18" } ] }, { "id": "adcb-millionaire-destiny", "patch": { "updatedAt": "2026-10-18", "monthlyFeeIfBelowBalance": 25, "notes": [ "Prize draws are chance based and excluded from guaranteed value. AED 5,000 monthly average balance required; each additional AED 1,000 creates an extra entry.", "AED 25 monthly standalone fall-below fee if monthly average is under AED 3,000, per the September 2026 VAT-inclusive schedule. Do not add another 5%. Relationship pricing applies otherwise.", "Profit is declared and paid quarterly; no current numeric profit rate is assumed. Additional account can be opened in ADCB app/internet banking or through bank channels." ] }, "confirmedFields": [ "Sharia compliantMudarabasavings", "prizedrawminimumaverage5000", "extrachanceper1000", "standaloneminbalance3000", "standalonefee25", "quarterlydeclaredprofit" ], "unresolved": [ "No fixed current profit yield verified; chance prize is not a cash bonus." ], "sources": [ { "label": "Currentproduct", "url": "https://www.adcb.com/en/islamic/personal/accounts/savings-account/millionaire-destiny-savings-account", "checkedAt": "2026-10-18" }, { "label": "September2026VATinclusiveIslamicschedule", "url": "https://www.adcb.com/en/multimedia/sof/ib-sof-current-charges-fees.pdf", "checkedAt": "2026-10-18" } ] }, { "id": "fab-personal-current", "patch": { "minMonthlyBalanceToAvoidFee": 3000, "monthlyFeeIfBelowBalance": 26.25, "digital": true, "interestRateOrProfitRateP_A": 0, "updatedAt": "2026-10-18", "notes": [ "September 2026 current-account KFS: UAE resident, age 18+, salaried, self-employed or non-salaried. No specific salary floor established for Personal Current Account (do not use the FAB One salary rule).", "Minimum DAILY balance AED 3,000 or equivalent per currency; AED 26.25 monthly fee if breached.", "Credit balance earns 0% interest; no verified cash salary-transfer bonus included.", "Official product supports instant opening through FAB Mobile. Free first cheque book and eligible debit-card benefits subject to issuer/network conditions." ] }, "confirmedFields": [ "status via active product", "accountName", "cashBonusValueAED (none verified)", "minMonthlyBalanceToAvoidFee", "monthlyFeeIfBelowBalance", "interestRateOrProfitRateP_A", "digital" ], "unresolved": [ "The field name minMonthlyBalanceToAvoidFee is generic; actual FAB condition is minimum DAILY balance.", "No universal cash joining/salary bonus established." ], "sources": [ "https://www.bankfab.com/en-ae/personal/accounts/current-accounts/personal-current-account", "https://www.bankfab.com/-/media/fab-uds/personal/key-facts-statements/accounts/current-accounts-en.pdf?view=1", "https://www.bankfab.com/-/media/fab-uds/personal/charges-and-fees/fees-and-charges-first-abu-dhabi-bank.pdf?view=1" ] }, { "id": "enbd-special-current", "patch": { "digital": true, "updatedAt": "2026-10-18", "notes": [ "Available exclusively to employees of selected companies; confirm employer eligibility.", "Official product publishes 0.10% p.a., calculated daily and credited monthly. No cash salary bonus is verified.", "Maintenance fees depend on banking package and salary/savings variant. AED 3,000 / AED 26.25 is a generic non-salary/basic schedule, not a universal fee for every eligible employee. Regular qualifying salary-transfer packages waive maintenance fees.", "Official product supports digital account opening. General online opening requirements mention AED 5,000 salary, but a distinct product-specific floor for selected-employer Special Current eligibility was not independently established." ] }, "confirmedFields": [ "accountName", "interestRateOrProfitRateP_A", "cashBonusValueAED (none verified)", "digital", "minMonthlyBalanceToAvoidFee and monthlyFeeIfBelowBalance (conditional schedule only)" ], "unresolved": [ "Exact banking package and selected-employer salary requirements; do not universally apply the basic AED 3,000 balance condition to salary variants." ], "sources": [ "https://www.emiratesnbd.com/en/accounts/current-accounts/special-current-account", "https://cdn.emiratesnbd.com/enbd/files/pdf/personal_banking_soc_poster_en.pdf" ] }, { "id": "wio-personal", "patch": { "updatedAt": "2026-10-18" } }, { "id": "wio-fixed-saving-space", "patch": { "updatedAt": "2026-10-18" } } ], "images": [ { "id": "adcb-365-cashback-card", "sourcePage": "https://www.adcb.com/en/personal/cards/credit-cards/365-cashback-card", "asset": "https://www.adcb.com/en/multimedia/images/2023/august/365-cashback-cc-conv.png", "localImage": "/cards/adcb-365-cashback-card.webp", "sha256": "2ce251e9846ed4df85ab273660752901c2b525f353cdae0cc4bbb59ca1c6592a", "originalSha256": "636e6fe1b833f7bcdc025f8d18823bfff6723db605572c15143abdd6071f4d79", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 5918, "crop": false } }, { "id": "emirates-nbd-duo", "sourcePage": "https://www.emiratesnbd.com/en/cards/credit-cards/duo-credit-cards", "asset": "https://www.emiratesnbd.com/-/media/enbd/images/products/cards/credit-cards/new-cards-images/duo_card-2.webp?la=en&hash=415BDE42DFD998EDE1E997187754EBC3", "localImage": "/cards/emirates-nbd-duo.webp", "sha256": "fb67f30310dc94cfd2df97254af513125480879eecda3cee45820f99755d4832", "originalSha256": "11f3100d610abfad5a8b1755b0ee917dd6b683e06d90c5d465ac33c2264e31cc", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 23428, "crop": false } }, { "id": "fab-cashback", "sourcePage": "https://www.bankfab.com/en-ae/personal/credit-cards/cashback-credit-card", "asset": "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/cashback-credit-card/cashback-card-mockup.png?h=594&iar=0&w=848&hash=53E368A665898134E0BF76060059344B", "localImage": "/cards/fab-cashback.webp", "sha256": "31601923f36a42360a86e4ec7134e951c2bc7e2fbebb2af7f99ef4a41ff2da6c", "originalSha256": "e4b54dafdfb5b4b514540afd06efc337c6667eb15b0f5c5f0a6b7833fab04bd6", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 78, "bytes": 42804, "crop": false } }, { "id": "adib-cashback-visa", "sourcePage": "https://www.adib.ae/en/personal/cards/cashback-visa-card", "asset": "https://www.adib.ae/-/media/project/adib/adibsite/cards/adib-cashback-covered-card.png", "localImage": "/cards/adib-cashback-visa.webp", "sha256": "a8ee539a42002c2ca48a17ce18172a4ce642d18b6b9b2b373c742c68f4e30730", "originalSha256": "6b10afd8c9c925efffb837bd8a2dc17ec5feb1a7869466d83f5c622ec809d8e5", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 24346, "crop": false } }, { "id": "enbd-skywards-infinite", "sourcePage": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-infinite-credit-card", "asset": "https://www.emiratesnbd.com/-/media/enbd/images/products/cards/credit-cards/new-cards-images/skywards-infinite_card.png?la=en&h=556&w=880&hash=B19A1C479665A18CB6D1E92488495191", "localImage": "/cards/enbd-skywards-infinite.webp", "sha256": "87747a20ae028d87f8cd51bf56b582d7b51a6fef629c6618454f3880d8f17331", "originalSha256": "e170e4059d6c07be4f1e4f0c395f6a9dc470bfc313d89bf160b81a4dedaf39bb", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 25860, "crop": false } }, { "id": "fab-etihad-infinite", "sourcePage": "https://www.bankfab.com/en-ae/personal/credit-cards/etihad-guest-infinite", "asset": "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/etihad-guest-infinite/etihad-guest-infinite-credit-card-466x327.png?h=327&iar=0&w=466&hash=A94C5349C43D9A838240544FC43BFB0B", "localImage": "/cards/fab-etihad-infinite.webp", "sha256": "7fbafcdb5b6c2add4df7950754a4354e98dbc0067bb85db5765e0c83a89dc6e0", "originalSha256": "2bf47d5532401d5c6539882f2150325e67d3db3f5b5081bb14773e7c8ea0e04e", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 15570, "crop": false } }, { "id": "mashreq-cashback", "sourcePage": "https://www.mashreq.com/en/uae/neo/cards/credit-cards/cashback-credit-card", "asset": "https://www.mashreq.com/-/jssmedia/Images/UAE/neo/Products/cards/neo-cards/cards-images/neo-cashback/neo-cashback-card-hero-780x530.ashx?h=530&iar=0&w=780&hash=893E2D04F89E7584C91ADC660718A716", "localImage": "/cards/mashreq-cashback.webp", "sha256": "1b29cd7ee76544e10407b691d06e0131f0caf1be024dff17f4699653bfe10037", "originalSha256": "ec00a2aa14a154b1b7d55512e5568023fc10ca7f2c92afd10dfedcaf76430455", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 25374, "crop": false } }, { "id": "wio-credit", "sourcePage": "https://wio.io/", "asset": "https://images.ctfassets.net/l65m9bcr2nac/4xXmxs9gTQ9n0aXCUILq0F/b36709ef1e6bf85b0db2d470b78d1156/1V0Xp3w9OYxdWv8feboqtr.webp?fm=webp&q=80", "localImage": "/cards/wio-credit.webp", "sha256": "753604a5fc68b491ff10c03c8ced1233a764e69826d499b5e8051f0afda61269", "originalSha256": "529d17da15aafbc16c978c6d905c89d8e3993be2f425b9d6fdad845dd338f459", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 38634, "crop": false } }, { "id": "sc-simply-cash", "sourcePage": "https://www.sc.com/ae/credit-cards/simply-cash/", "asset": "https://av.sc.com/ae/content/images/ae-simply-cash-masthead-banner-1600x490-1.jpg", "localImage": "/cards/sc-simply-cash.webp", "sha256": "341aa1285ad3a921f3b53b4a11929287d80d212826f9860c34950fee23a73428", "originalSha256": "4c7d9e72cfbfed1c2bac82d863cc5f22ee1ad04e6c0f80213007ffe286526a7b", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 6838, "crop": false } }, { "id": "hsbc-live-plus", "sourcePage": "https://www.hsbc.ae/credit-cards/products/live-plus/", "asset": "https://www.hsbc.ae/content/dam/hsbc/en/images/16-9/13903-live-plus-card-01-signature-red-1-generic-2000x1125.jpg", "localImage": "/cards/hsbc-live-plus.webp", "sha256": "290c67aac5aa2ff508ae0412de56cf0aff66f5e9d049360c2d1227e29a19ea7e", "originalSha256": "c14fe8bb6e7a014d3a931ef7f7ed40feb652e40f27736910f73059270ed5ec5b", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 12274, "crop": false } }, { "id": "adcb-islamic-365", "sourcePage": "https://www.adcb.com/en/islamic/personal/cards/credit-cards/365-cashback-card", "asset": "https://www.adcb.com/en/multimedia/images/2023/august/365-cashback-ib.png", "localImage": "/cards/adcb-islamic-365.webp", "sha256": "c7e46dd57e15cffb941ad9dac96c154be1e97db238d572c3a6228cbc4186c15f", "originalSha256": "06a29c38b66a33c47dde91acad42210482b72447c480962a6a8bbe65cb2785e4", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 5986, "crop": false } }, { "id": "enbd-skywards-signature", "sourcePage": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-signature-credit-card", "asset": "https://www.emiratesnbd.com/-/media/enbd/images/products/cards/credit-cards/new-cards-images/skywards-signature_card.png?la=en&h=556&w=880&hash=EF4BC30E1EBA70AA9F9C17B1D0058354", "localImage": "/cards/enbd-skywards-signature.webp", "sha256": "335681583a27861bfd5fbae141c209adf7366055e215b0968ec7fa61286f22bc", "originalSha256": "a88cca537db14392aa8bdc9c75e39faaf41bff17cc19e1569b2473a0f9fb10ff", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 32022, "crop": false } }, { "id": "enbd-marriott-world", "sourcePage": "https://www.emiratesnbd.com/en/cards/credit-cards/marriott-bonvoy-world-mastercard", "asset": "https://www.emiratesnbd.com/-/media/enbd/images/marriott-bonvoy-cc/marriott_world_world_cc_img.png?la=en&h=556&w=880&hash=310960ACA77100619EF6805C852A9A2D", "localImage": "/cards/enbd-marriott-world.webp", "sha256": "5ebe65e42f9a2ca975467120452b6a3d281ccd30b1cba70478f644cab2b2d5e4", "originalSha256": "7021d183c1704101843346351375bd7954acb686e4112fa3dfeb6849382be26f", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 15496, "crop": false } }, { "id": "enbd-u-emaar-infinite", "sourcePage": "https://www.emiratesnbd.com/en/cards/credit-cards/u-by-emaar-infinite-credit-card", "asset": "https://www.emiratesnbd.com/-/media/enbd/images/products/cards/credit-cards/new-cards-images/emaar-infinite_card.png?la=en&h=552&w=880&hash=8717815F69F175D89C6304C4EE78D033", "localImage": "/cards/enbd-u-emaar-infinite.webp", "sha256": "4bb00c93468fb134365451fb5555ef1bc4b4daa4b8b0559a8e8711dbe2e47d79", "originalSha256": "c03c7fc74351f0a9892b792a36209ece61a030d3059f064c003a5c386b9503bf", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 62, "bytes": 48354, "crop": false } }, { "id": "enbd-share-infinite", "sourcePage": "https://www.emiratesnbd.com/en/cards/credit-cards/share-visa-infinite-credit-card", "asset": "https://www.emiratesnbd.com/-/media/enbd/images/card/credit-card/share/share_visa_infinite_card.png?la=en&h=552&w=880&hash=36E2D51F4BBC381D87C0271C07205295", "localImage": "/cards/enbd-share-infinite.webp", "sha256": "7bdf0ddd4547b1330fab72c503d4285163fe66ecf49a8d09e627f9006df96a2e", "originalSha256": "b5eac5884f4166e3035ce77c241c34aa4c38ea625dd327594b94c7ce5c9d86e8", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 26992, "crop": false } }, { "id": "fab-etihad-signature", "sourcePage": "https://www.bankfab.com/en-ae/personal/credit-cards/etihad-guest-signature", "asset": "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/etihad-guest-signature/etihad-guest-signature-credit-card-466x327.png?h=327&iar=0&w=466&hash=C0CB9D35BE1B94D5ACA9993E5AA1AD76", "localImage": "/cards/fab-etihad-signature.webp", "sha256": "d5ec2de20a0d8484d490b32b6278e00d51e84f230d355775d7a487ab8f79356f", "originalSha256": "02d11cb44353fdb95400ae795d3109ecf0ed0d33a3d365b4e3e35bbb9e7abd16", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 16766, "crop": false } }, { "id": "fab-blue-signature", "sourcePage": "https://www.bankfab.com/en-ae/personal/credit-cards/blue-fab-signature-credit-card", "asset": "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/blue-fab-signature-credit-card/blue-fab-signature-credit-card-466x327.png?h=327&iar=0&w=466&hash=4DC43382EC1E9FE3341AA6FD1EC74018", "localImage": "/cards/fab-blue-signature.webp", "sha256": "48394d10f37f0d283b88726671d76aee75943cdc5173a62dc10564c00ea2c3c6", "originalSha256": "732a6339de7b0cdb43da55db5c0dab871f1694b80089641f84c8582099685ff4", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 21342, "crop": false } }, { "id": "fab-blue-infinite", "sourcePage": "https://www.bankfab.com/en-ae/personal/credit-cards/blue-fab-infinite-credit-card", "asset": "https://www.bankfab.com/-/media/fab-uds/personal/credit-cards/blue-fab-infinite-credit-card/blue-infinite-card-single.png?h=360&iar=0&w=660&hash=A76D5775C1C865B945F77C44FD82BA54", "localImage": "/cards/fab-blue-infinite.webp", "sha256": "405afc145401e61e2d966339bf5af9f2f57a0d1181982db1f864a53fb5b8bf65", "originalSha256": "9cb7de2cd8233e4f4bcc2aa415b091a215ccbf1a07410be31a60a4efffc2ed2b", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 21636, "crop": false } }, { "id": "fab-cashback-islamic", "sourcePage": "https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/cashback-islamic-credit-card", "asset": "https://www.bankfab.com/-/media/fab-uds/islamic-banking/personal-islamic-banking/islamic-cards/fab-cashback-islamic-credit-card/images/islamic-cashback-card.png?h=396&iar=0&w=565&hash=1EB114A1CE65E767D24F0360DD07B422", "localImage": "/cards/fab-cashback-islamic.webp", "sha256": "dc49a933f74e3bd5e6792b2f196f854ba3d84fbb70f9f23130807300ce0f559c", "originalSha256": "3ea69322a3e514d5bdd3482a454ee6555c74208f72e16ea635e6e27785942443", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 26694, "crop": false } }, { "id": "adcb-essential-cashback", "sourcePage": "https://www.adcb.com/en/personal/promotions/free-for-life-cards", "asset": "https://www.adcb.com/en/Images/essential-cashback-card-400x25.png", "localImage": "/cards/adcb-essential-cashback.webp", "sha256": "50aa868b47db14e4ea412dd2c98bfaaf7ebde4d1750aa6f7fc8fca129c3fb260", "originalSha256": "dd6f23811d9c6a0ab01949dc92a18216bdf16ebd3bcfd8331b0c5af246e91514", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 8248, "crop": false } }, { "id": "adcb-touchpoints-infinite", "sourcePage": "https://www.adcb.com/en/personal/cards/credit-cards/touchpoint-ic.aspx", "asset": "https://www.adcb.com/en/multimedia/images/2023/august/touchpoint-infinite-cc-conv.png", "localImage": "/cards/adcb-touchpoints-infinite.webp", "sha256": "e40ec31168b1228eca9ec6d1f92281ec74fd98ea60d6349133822c31f16d8cf0", "originalSha256": "b60ff528a501dc5a95b988dcd9d0ebbe6db5bdfd9208b610dbb7cdbd22fd82a9", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 13698, "crop": false } }, { "id": "adcb-traveller", "sourcePage": "https://www.adcb.com/en/personal/cards/credit-cards/traveller-credit-card", "asset": "https://www.adcb.com/en/multimedia/images/2024/july/traveller-cashback-credit-card-730X540.png", "localImage": "/cards/adcb-traveller.webp", "sha256": "e590c63901668a14d0436a8cfae781d24118a89b631c1ec825cb9e1c1b603248", "originalSha256": "31989b835ed659bfbe5d3a20f773adcb255c2a7e78092e939ab3cd23130a4717", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 14100, "crop": false } }, { "id": "adcb-talabat", "sourcePage": "https://www.adcb.com/en/personal/cards/credit-cards/talabat-credit-card", "asset": "https://www.adcb.com/en/multimedia/images/2023/july/talabat-cc-conv.png", "localImage": "/cards/adcb-talabat.webp", "sha256": "3d6afe059e22ba4aa229900e0ff581af518b79564d02ca14f5956bd5fc479e68", "originalSha256": "1aca96a701fd106ff4549693e60aaec087cebe9c0c7f153e6f6413d1316a84e3", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 4880, "crop": false } }, { "id": "mashreq-platinum-plus", "sourcePage": "https://www.mashreq.com/uae/neo/cards/credit-cards/platinum-plus-credit-card/", "asset": "https://www.mashreq.com/-/jssmedia/Images/UAE/neo/Products/cards/neo-cards/platinum-plus/cc-plus-image-780x350.ashx?h=530&iar=0&w=780&hash=9AB08CA3F38ACBE62C78199563D5A3D4", "localImage": "/cards/mashreq-platinum-plus.webp", "sha256": "41b82472eba4f8feae5de514562fcbac2e6fe51915ffc771f4799a6ee2d89c6b", "originalSha256": "641d9929d62584670fcad1ddd374fe32f546519e8ff8a782a706f49e470ce240", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 37008, "crop": false } }, { "id": "mashreq-solitaire", "sourcePage": "https://www.mashreq.com/uae/neo/cards/credit-cards/solitaire-credit-card/", "asset": "https://www.mashreq.com/-/jssmedia/Images/UAE/neo/Products/cards/Hero_Masreq-Solitaire.ashx?h=530&iar=0&w=780&hash=8A1081D76E474B85E1FEDFD2B4F9DF81", "localImage": "/cards/mashreq-solitaire.webp", "sha256": "d3f12898341d61278b0403a7b00f876fd594e1002cbcf2809a6a93d105511586", "originalSha256": "745d66b1df8e806f1b9828a195722ee805f63f344eccfba86ff91022df36be21", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 620, "quality": 62, "bytes": 39262, "crop": false } }, { "id": "adib-etihad-platinum", "sourcePage": "https://www.adib.ae/en/personal/cards/etihad-guest-cards", "asset": "https://www.adib.ae/-/media/project/adib/adibsite/cards/etihad-guest-cards/platinum/etihad-platinum-card.png", "localImage": "/cards/adib-etihad-platinum.webp", "sha256": "05426cdb967610b0cc8747c6a49a18e11fa689438af6a81a94395a1876250d92", "originalSha256": "6aeeac8ae881dda3f1ac3886792fe62abeda48696990a40cfe2f9e22b8b13ece", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 13568, "crop": false } }, { "id": "adib-etihad-infinite", "sourcePage": "https://www.adib.ae/en/personal/cards/etihad-guest-cards", "asset": "https://www.adib.ae/-/media/project/adib/adibsite/cards/etihad-guest-cards/listing/etihad-infinite-card.png", "localImage": "/cards/adib-etihad-infinite.webp", "sha256": "32879e12582cb7940ae4c30ef923fc2479b570dcbc5fc0bec336a525cbc94c23", "originalSha256": "e49c760921c69f5f043804918b2757f89f76fb2540f334e177b89fd3915291ee", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 12962, "crop": false } }, { "id": "dib-prime-infinite", "sourcePage": "https://www.dib.ae/personal/cards/credit-cards", "asset": "https://www.dib.ae/images/default-source/product-features---8-2-2018/cards/listing/account_prime_infinite.png?sfvrsn=2ff3cf6a_3", "localImage": "/cards/dib-prime-infinite.webp", "sha256": "5ddb486ef6c5def0b325a8f6e73f083547267aa23223c3bad168a7fd298d8853", "originalSha256": "712a050b7e083240e019f021991d2a7786b2a7c290b7a71f0fce233e9bf27687", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 6564, "crop": false } }, { "id": "dib-prime-signature", "sourcePage": "https://www.dib.ae/personal/cards/credit-cards", "asset": "https://www.dib.ae/images/default-source/product-features---8-2-2018/cards/listing/account_prime_signature.png?sfvrsn=ad443661_3", "localImage": "/cards/dib-prime-signature.webp", "sha256": "643c598a597c4f284504d2d7614cdc6210497e7ee0308919e61c94d60cddc017", "originalSha256": "b0721e3853a5c02bafd95358be33c4cecfdf92d0906a5aa15cc357e8707e88ff", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 6812, "crop": false } }, { "id": "dib-consumer-reward", "sourcePage": "https://www.dib.ae/personal/cards/credit-cards", "asset": "https://www.dib.ae/images/default-source/cards/dib-visa.png?sfvrsn=38471b4a_3", "localImage": "/cards/dib-consumer-reward.webp", "sha256": "ab75783f12ab8bab8d4f3defc3ff9d48d9c73def5881f37830fdab6e0929c333", "originalSha256": "c1d27da52886b3681db32308015e8f68349492c03b8dc7017346eb3002a153b2", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 9158, "crop": false } }, { "id": "dib-consumer-platinum", "sourcePage": "https://www.dib.ae/personal/cards/credit-cards", "asset": "https://www.dib.ae/images/default-source/cards/dib-paltinum.png?sfvrsn=d5ff68f8_3", "localImage": "/cards/dib-consumer-platinum.webp", "sha256": "f6032796e60164a1323066e4e85108c226da312ff1851df36defad2682d1b094", "originalSha256": "0901cb76548bc6580707acdae7c713f443e14b56ff3da9d9791cf512b85eed8d", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 8988, "crop": false } }, { "id": "citi-premier", "sourcePage": "https://www.citibank.ae/credit-cards?tab=allcards", "asset": "https://www.citibank.ae/content/dam/cgcpc/ae/prelogin/www-citibank-ae/image/legacy/2021/citi-premier-card-no-name-400x252-06012021_2.png", "localImage": "/cards/citi-premier.webp", "sha256": "3833513aec8a760e1814634a845b3aa3ae353107acc18f0a4fb050884d42f07e", "originalSha256": "3921c1d1cf24bb6070548a0e1c7fb06edbbca24f858f8f96103a51625d64d70e", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 28568, "crop": false } }, { "id": "citi-cashback", "sourcePage": "https://www.citibank.ae/credit-cards?tab=allcards", "asset": "https://www.citibank.ae/content/dam/cgcpc/ae/prelogin/www-citibank-ae/image/legacy/campaigns-credit-cards-cashback-packshot-400x252-07122020_2.png", "localImage": "/cards/citi-cashback.webp", "sha256": "56ceacfdfd589c24a964ea048ec67b1d590e850550bad14e283694c6d74b78e3", "originalSha256": "7796bc927306bd960904bd8dfc44eb1d106356270c27a183cb7e9c8385cb0fb2", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 8490, "crop": false } }, { "id": "citi-simplicity", "sourcePage": "https://www.citibank.ae/credit-cards?tab=allcards", "asset": "https://www.citibank.ae/content/dam/cgcpc/ae/prelogin/www-citibank-ae/image/legacy/campaigns-credit-cards-simplicity-packshot-400x252-07122020.png", "localImage": "/cards/citi-simplicity.webp", "sha256": "743633622f379664e097a2f56c5edd509380ba889d7c5fe6cf7a676a8cf17b15", "originalSha256": "ffaa4f0ffc88b40d06e870e626ace7d4493cda5445bb179874fc38309b39746d", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 12240, "crop": false } }, { "id": "hsbc-cash-plus", "sourcePage": "https://www.hsbc.ae/credit-cards/products/cash-plus/", "asset": "https://www.hsbc.ae/content/dam/hsbc/ae/images/cards-2022/5340-cash-credit-card-2000x1125.jpg", "localImage": "/cards/hsbc-cash-plus.webp", "sha256": "329da888c0c67c4094390f6111cdb62c0801990efe339f0985ff3388416ad775", "originalSha256": "5fa2932c53979068770592f40bbe88d347d261a15bbb72e8d9c1eec51e00ad5d", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 7946, "crop": false } }, { "id": "hsbc-premier", "sourcePage": "https://www.hsbc.ae/credit-cards/products/premier/", "asset": "https://www.hsbc.ae/content/dam/hsbc/ae/images/16-9/18045-hsbc-premier-credit-card-1600x900.jpg", "localImage": "/cards/hsbc-premier.webp", "sha256": "46d14d87f597d050bbb8575f50b74b77470cf7534fff319b23ed046618d43aed", "originalSha256": "7d1cdb39d247b1c4ee72a77bfa7e59aec57dbcd0b1875470d8bdd6a9230b9a7d", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 10648, "crop": false } }, { "id": "sc-journey", "sourcePage": "https://www.sc.com/ae/credit-cards/journey/", "asset": "https://av.sc.com/ae/content/images/ae-nav-440x-280y-sc-card-on-journey.png", "localImage": "/cards/sc-journey.webp", "sha256": "d6f1c5609493bf09a1fadad9506e06507f46aff80eed0ccd34dd21e6ecc1fd2d", "originalSha256": "46bc38f77a5e71ab8659282ccc9c99238c23a0151ddd29e0271f9fa4ffc3d1e4", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 11602, "crop": false } }, { "id": "rakbank-world-cashback", "sourcePage": "https://www.rakbank.ae/en/cards/credit-cards/world-credit-card", "asset": "https://images2.cmp.optimizely.com/assets/World+Cashback.png/Zz1jZjlkYjgyYTgxMjIxMWYxOTg2MzJlOTU0Y2I5MzYzZA==", "localImage": "/cards/rakbank-world-cashback.webp", "sha256": "39f425b6d53f9f0fbea881f9da8b8d63859c183a659c47df7f3e76b3a257c02d", "originalSha256": "eca55ad6951bf26ac71ed83e45ce45a3ae668b27f35c7dd87446dc3f894d1b09", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 13728, "crop": false } }, { "id": "rakbank-air-arabia-platinum", "sourcePage": "https://www.rakbank.ae/en/cards/credit-cards/air-arabia-platinum", "asset": "https://images3.cmp.optimizely.com/assets/Air+Arabia+Card.png/Zz1jYzNmNjE2MDgxMjIxMWYxOTFiYzVhNzk3OGYzMmM2Ng==", "localImage": "/cards/rakbank-air-arabia-platinum.webp", "sha256": "ee9ab252a4536f45dbaa621fe68b8d65c96156165998fe3ba769e845e4fef517", "originalSha256": "f17aa0459371e3043721de63d0bb52a2ad35f2a9532771a1452257c538808d1b", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 14120, "crop": false } }, { "id": "rakbank-red", "sourcePage": "https://www.rakbank.ae/en/cards/credit-cards/red-credit-card", "asset": "https://images2.cmp.optimizely.com/assets/Red+Cashback.png/Zz1jZGJjZmM1MDgxMjIxMWYxYWE0NmJhZjcwYjJiYjg4OQ==", "localImage": "/cards/rakbank-red.webp", "sha256": "b0e2ecb15c4718be75d959f26ca3b33081350692bb213eda73ef798ca59c6049", "originalSha256": "08ea7b042329db43f8391b51bf1f582ebd844aa9bf7e4ef9ee69397edf8b798a", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 14232, "crop": false } }, { "id": "cbd-super-saver", "sourcePage": "https://www.cbd.ae/personal/cards/credit-cards/super-saver", "asset": "https://www.cbd.ae/images/default-source/revamp/personal/cards/super-saver.jpg?Status=Master&sfvrsn=f19d586b_1", "localImage": "/cards/cbd-super-saver.webp", "sha256": "cb47b58c6824c174a79eeb2443417b2f5dc1f415601f69ef36b533d10a5b8eb3", "originalSha256": "7beb898a98f642890d97c787a9e36bb7d8ba68eaf1d7a232fe2bab7711328942", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 10136, "crop": false } }, { "id": "cbd-one", "sourcePage": "https://www.cbd.ae/personal/cards/credit-cards/cbd-one", "asset": "https://www.cbd.ae/images/default-source/revamp/cards/cbd-one-card.png?Status=Master&sfvrsn=7f695c6b_1", "localImage": "/cards/cbd-one.webp", "sha256": "ba2a88b443d7460d91e8f7cff150f8edd0a3d2fc4db063d7ebd83095335acb7a", "originalSha256": "6018d9e000305f1db852763e5aabfabeef408918575a237e15898185a2b97b07", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 8998, "crop": false } }, { "id": "cbd-smiles-signature", "sourcePage": "https://www.cbd.ae/personal/cards/credit-cards/smiles-signature", "asset": "https://www.cbd.ae/images/default-source/revamp/personal/cards/smiles-signature.jpg?Status=Master&sfvrsn=fd9d586b_1", "localImage": "/cards/cbd-smiles-signature.webp", "sha256": "c04ffbbebc4dbe0d17561f9ecb197060b5af89dfb747d96d24308d26c8827a8e", "originalSha256": "bcdca571c71e0aef69864230c20b190da6fb734928fbe0e2b5a50bb54fcefea2", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 8534, "crop": false } }, { "id": "emirates-islamic-skywards-black", "sourcePage": "https://www.emiratesislamic.ae/en/cards/credit-cards", "asset": "https://www.emiratesislamic.ae/-/media/ei/images/cards/tile-images/skywards_black_credit_card_550x346.png", "localImage": "/cards/emirates-islamic-skywards-black.webp", "sha256": "30b048ef4dabde1c9ff42305fd064a572852b56046fef7a1af275ce0de434ae2", "originalSha256": "d8bd1f99279e9876b7094185d95b93e65b1db5c321f376f458537b697cec3f57", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 7664, "crop": false } }, { "id": "emirates-islamic-skywards-signature", "sourcePage": "https://www.emiratesislamic.ae/en/cards/credit-cards", "asset": "https://www.emiratesislamic.ae/-/media/ei/images/cards/tile-images/ei-skywards-signature-card-550x346.png", "localImage": "/cards/emirates-islamic-skywards-signature.webp", "sha256": "ce87edcf28e82d63d93da869756038b729e3271d53a2258515672c9d23f4f6cb", "originalSha256": "7a849464a54ab40456bf9af5ad9826e6b957e8ea57882e71e8687cafbc0ae113", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 38336, "crop": false } }, { "id": "emirates-islamic-rta", "sourcePage": "https://www.emiratesislamic.ae/en/cards/credit-cards", "asset": "https://www.emiratesislamic.ae/-/media/ei/images/cards/tile-images/ei-rta-card-550x348.png", "localImage": "/cards/emirates-islamic-rta.webp", "sha256": "e2f4b802f1704682e4f9d09a02b5a1b2f6ac2a9d9781a994df5ab1c810cc394d", "originalSha256": "0467e594905e9ff4cbdecb740eedc88693c10f79d702185d04665daeed1aa9bc", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 16978, "crop": false } }, { "id": "emirates-islamic-cashback-plus", "sourcePage": "https://www.emiratesislamic.ae/en/cards/credit-cards", "asset": "https://www.emiratesislamic.ae/-/media/ei/images/cards/tile-images/ei-cashback-plus-card-550x356.png", "localImage": "/cards/emirates-islamic-cashback-plus.webp", "sha256": "31c792a1361ac2637c426f66b52380a87aa5c0b296f0c1b43dac94ea75423b40", "originalSha256": "16f2f2104ade47f56b941ca48ae53f1f76ee9582892b295dc1096642608673ee", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 23182, "crop": false } }, { "id": "mashreq-noon", "sourcePage": "https://www.mashreq.com/en/uae/neo/cards/credit-cards/noon-credit-card/", "asset": "https://www.mashreq.com/-/jssmedia/Images/UAE/neo/Products/cards/noon-vip-credit-card.ashx?h=220&iar=0&w=360&hash=00CD2DAE091E183CBD8C9B02BF121A05", "localImage": "/cards/mashreq-noon.webp", "sha256": "3fbab11b61d1b193cd09a8de0b7e3a46823fb03a939bbbac70c232e6f7c22464", "originalSha256": "24b35ecabf39b1d41e86f2c8c807f77dd631f19fc8b11acf786e03198eeb7bd9", "checkedAt": "2026-10-18", "transformation": { "format": "WebP", "maxWidth": 740, "quality": 86, "bytes": 7174, "crop": false } } ], "scopeNote": "Catalogue integration, SEO and image optimisation reviewed19 October. Existing and added product terms researched18 October. Advanced reward input evidence is in reward-options-2026-10-18.json. Forecast limitations remain explicit.", "originalTermsReviewDate": "2026-10-18", "availableCardCount": 47, "issuerCount": 13 }