Aafaq Titanium: Other rewards under the published conditions. ADCB Emirati Islamic: Cashback with eligible dining spending. Start with eligibility, reward use and total recurring cost.
Other rewards under the published conditions
Published minimum salary: AED 5,000 / month
AED rewards not estimated · Reward value unconfirmed
Cashback with eligible dining spending
Published minimum salary: AED 8,000 / month
UAE-national eligibility restriction.
Partial reward estimate · Cash / statement redemption model
Carrying a balance? Interest or profit charges can outweigh rewards. Check repayment costs before choosing a rewards card.
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.
| Compare | Aafaq Titanium | ADCB Emirati Islamic |
|---|---|---|
| Minimum monthly salary | AED 5,000 | AED 8,000 |
| Modelled fees · first year | AED 0 | AED 0 |
| Modelled fees · ongoing year | AED 210 | AED 945 |
| Estimated first-year net | Not estimated | AED 3,000 |
| Estimated ongoing net / year | Not estimated | AED 2,055 |
| Reward redemption model | Reward value unconfirmed | Cash / statement redemption model |
| Bank FX charge | 2.625%; scheme charges may apply | 2.99%; scheme charges may apply |
| Earning spend gate | Category and programme conditions apply | AED 7,000 eligible monthly spend; check below-gate earning |
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 2026-11-04; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Monthly budget: Groceries: AED 2,500; School Fees: AED 1,500; Utilities: AED 1,000; Dining: AED 1,500; Fuel: AED 1,000; Online Shopping: AED 1,000; International Spend: AED 500; Other: AED 1,000.
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.
AED 210 including VAT; first billed fee reversed after AED 5,000 spending within 12 months of issuance. Renewal fees are charged annually.
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
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.
UAE nationals only. Assumes eligible domestic dining/fuel and general retail, AED 7,000 monthly gate and AED 1,500 total monthly cap. Special cinema, jewellery, fitness and spa benefits are excluded.
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.
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.
Groceries: AED 1,000; School Fees: AED 0; Utilities: AED 300; Dining: AED 500; Fuel: AED 500; Online Shopping: AED 200; International Spend: AED 0; Other: AED 500.
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.
Groceries: AED 2,500; School Fees: AED 1,500; Utilities: AED 1,000; Dining: AED 1,500; Fuel: AED 1,000; Online Shopping: AED 1,000; International Spend: AED 500; Other: AED 1,000.
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.
Groceries: AED 1,000; School Fees: AED 0; Utilities: AED 500; Dining: AED 3,000; Fuel: AED 500; Online Shopping: AED 1,000; International Spend: AED 2,500; Other: AED 1,500.
The selector can check published eligibility and compare first-year with ongoing value for your profile.
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.
Product terms reviewed 2026-10-24.
Product terms reviewed 2026-10-22.
Read the reward calculation methodology · Browse practical UAE card comparisons