Aafaq Platinum: Other rewards under the published conditions. CBD Super Saver Signature: Cashback with eligible groceries spending. Start with eligibility, reward use and total recurring cost.
Same AED 10,000 monthly budget, paid in full. Net value is eligible rewards plus qualifying welcome offers, less modelled card, joining and plan fees. FX charges, borrowing costs and unpriced perks are excluded.
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-10-25; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Conditional welcome and campaign value included: Not estimated. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
CBD Super Saver Signature assumptions
Conditional welcome and campaign value included: AED 0. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.
A lighter budget can miss a spending gate; a bill-heavy budget can earn reduced rates. These examples use the same rules as the personal selector.
Compare three example budgets
Light everyday · AED 3,000/month
Aafaq PlatinumOngoing net / year: Not estimated
CBD Super Saver SignatureOngoing net / year: AED 228
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
CBD Super Saver SignatureOngoing net / year: AED 2,880
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
CBD Super Saver SignatureOngoing net / year: AED 780
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Check approval criteria, payment-channel exclusions, fee waivers and the benefits you plan to use. Product-source dates are shown separately; this comparison is not bank approval.
Aafaq Platinum: benefit conditions and official sources
Perks and exclusions
Lounges: Selected airport lounges through Mastercard benefits; current programme, visit limits, guest access and qualification must be confirmed with Aafaq/Mastercard.
Cinema: VOX buy one, get one free: up to four free tickets per calendar month after AED 5,000 qualifying retail spend, combining primary and supplementary cards. Book online or in the VOX app; eligible screening formats and exclusions apply. The free-ticket cost is charged back if the spending gate is missed.
Valet: Two standard valet visits per calendar month at participating locations after AED 5,000 qualifying retail spend. Primary and supplementary spending and visits are combined; AED 105 per visit applies if the spending gate is missed or the allowance is exceeded.
Free for life. Earn 1 AIF Reward per AED 1 on ordinary eligible domestic retail and 2 per AED 1 on eligible non-AED retail, capped at 50,000 rewards per statement. Reduced-category rates and exclusions apply.
The linked AIF Rewards terms allow statement-credit redemption at 13,334 rewards for AED 100, in AED 100 increments. This is about 0.75% cash equivalent at 1 reward per AED, or 1.5% at 2 rewards per AED, rather than treating the advertised rewards percentages as guaranteed cash rates. Rewards expire after two years.
Government and utilities earn 0.15 rewards per AED; fuel, education and real estate earn 0.25; eligible transport and supermarkets earn 0.50. Fees, profit, cash advances, finance on phone, balance transfers, reversals, exchange-house and charity transactions do not earn rewards.
The live page advertises an AED 250 joining bonus, but the linked terms require applications by 31 December 2025. No current welcome value is included until Aafaq confirms an extension.
Two airport transfers and two meet-and-greet services per calendar year are available after AED 5,000 qualifying spending in the service-request month. Flight tickets must have been bought with the card within 60 days of booking; book at least two working days ahead. Transfer service is restricted to Dubai/Abu Dhabi city limits and charges AED 1 per booking. Meet-and-greet applies at DXB/DWC; fees apply if conditions are missed.
CBD Super Saver Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion: up to eight complimentary lounge visits per calendar year; verify activation and qualifying international-spend rules.
Cinema: No current offer verified.
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.
