ADCB 365 Cashback: Dining, fuel and groceries with a regular monthly budget. ADIB Cashback: Islamic cashback on eligible household bills. Start with eligibility, reward use and total recurring cost.
Utility bill-payment rewards are unresolved: the bank lists reduced utility categories but also excludes bill payments without establishing a direct-merchant exception. This conservative forecast excludes the rewards, while bill spending still counts toward the published qualifying-spend gate. This is a modelling assumption, not a bank-confirmed exclusion of every utility transaction.
Dining, fuel and groceries with a regular monthly budget
Suits you if
Your eligible spending reliably reaches the AED 5,000 monthly earning gate.
Dining, fuel and groceries are a meaningful part of that budget.
Skip it if
Most of your spending is school fees or bank-channel bill payments.
You would spend extra simply to reach the rewards threshold.
Salary floor unconfirmed. Ask ADCB before applying.
Partial reward estimate · Cash / statement redemption model
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.
ADIB Cashback has the higher ongoing modelled value by AED 999.3 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
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.
Conditional welcome and campaign value included: AED 365. 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.
Utility bill-payment rewards are unresolved: the bank lists reduced utility categories but also excludes bill payments without establishing a direct-merchant exception. This conservative forecast excludes the rewards, while bill spending still counts toward the published qualifying-spend gate. This is a modelling assumption, not a bank-confirmed exclusion of every utility transaction. School fees remain excluded conservatively; merchant classification and the approved credit limit can reduce awards. Other verified category rules and the foreign-market split remain separate.
ADIB Cashback 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.
Category caps, exclusions and redemption rules in the full review apply.
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
ADCB 365 CashbackOngoing net / year: -AED 383.25
ADIB CashbackOngoing net / year: AED 1,000.05
ADIB Cashback has the higher ongoing modelled value by AED 1,383.3 a year on this AED 3,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
ADIB Cashback has the higher ongoing modelled value by AED 999.3 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
ADCB 365 Cashback has the higher ongoing modelled value by AED 740.7 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
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.
ADCB 365 Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary.
AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.
International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.
Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.
First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.
Utility bill-payment rewards are unresolved: the bank lists reduced utility categories but also excludes bill payments without establishing a direct-merchant exception. This conservative forecast excludes the rewards, while bill spending still counts toward the published qualifying-spend gate. This is a modelling assumption, not a bank-confirmed exclusion of every utility transaction.
ADIB Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: No current offer verified.
Annual fee AED 99 plus 5% VAT = AED 103.95.
No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.
Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.
Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.
Non-AED bank component 2.415% including VAT; scheme charges additional. Overseas-AED service component 2.8875% including VAT includes the stated Visa component, so do not add it twice. October 2026 tariff scope and legacy / self-funded qualifications apply.
