Independent insights. Better banking decisions.Made for the UAE 🇦🇪
SAME SPENDING · TRANSPARENT MATHS

ADCB 365 Cashback Credit Card vs FAB Cashback Islamic Credit Card

Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.

ADCB 365 Cashback Credit Card — official bank artwork

ADCB 365 Cashback Credit Card

Minimum salary
AED 5,000
Annual fee
AED 383.25
First-year net
AED 3,305
Ongoing annual net
AED 2,556.75
Bank FX fee
2.99%; scheme charges may apply
Reward programme
Cashback

Important conditions

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

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

No complimentary access verified

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.

Official ADCB terms · reviewed 2026-10-18
FAB Cashback Islamic Credit Card — official bank artwork

FAB Cashback Islamic Credit Card

Minimum salary
AED 5,000
Annual fee
AED 315
First-year net
AED 2,861.25
Ongoing annual net
AED 3,150
Bank FX fee
2.61%; scheme charges may apply
Reward programme
Cashback

Important conditions

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

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

Mastercard World lounge benefit for cardholder and one guest; qualifying conditions apply.

No cinema offer verified.

Official FAB terms · reviewed 2026-10-18

Which card fits your own spending?

A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.

Compare your actual salary and spending

Review all assumptions and reward valuations

YOUR SHORTLIST

A clearer side-by-side view.

Your comparison starts here

Add up to 3 cards or accounts from the directory.