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UAE CARD COMPARISON

ADCB 365 Cashback vs Mashreq Platinum Elite

ADCB 365 Cashback: Dining, fuel and groceries with a regular monthly budget. Mashreq Platinum Elite: Mashreq Vantage under the published conditions. Start with eligibility, reward use and total recurring cost.

Which card matches your situation?

ADCB 365 Cashback Credit Card — official bank artwork
ADCB · CONVENTIONAL

ADCB 365 Cashback

Dining, fuel and groceries with a regular monthly budget

Published minimum salary: AED 5,000 / month

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.

Partial reward estimate · Cash / statement redemption model

Read the full ADCB 365 Cashback review →
Mashreq Platinum Elite Credit Card — official bank artwork
Mashreq · CONVENTIONAL

Mashreq Platinum Elite

Mashreq Vantage under the published conditions

Published minimum salary: AED 7,000 / month

Suits you if

  • You can use Mashreq Vantage rewards at the stated redemption value.
  • The listed fees fit the value you expect from your existing budget.

Skip it if

  • You need a verified AED reward estimate before deciding.
  • Your salary is below the published minimum, or you cannot meet the bank’s other criteria.

AED rewards not estimated · Reward value unconfirmed

Read the full Mashreq Platinum Elite review →

Carrying a balance? Interest or profit charges can outweigh rewards. Check repayment costs before choosing a rewards card.

What will the fees and rewards mean in AED?

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.

CompareADCB 365 CashbackMashreq Platinum Elite
Minimum monthly salaryAED 5,000AED 7,000
Modelled fees · first yearAED 0AED 682.5
Modelled fees · ongoing yearAED 383.25AED 682.5
Estimated first-year netAED 3,305Not estimated
Estimated ongoing net / yearAED 2,556.75Not estimated
Reward redemption modelCash / statement redemption modelReward value unconfirmed
Bank FX charge2.99%; scheme charges may applyUnconfirmed
Earning spend gateAED 5,000 eligible monthly spend; check below-gate earningCategory and programme conditions apply

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.

See the budget, welcome value and fee assumptions

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.

ADCB 365 Cashback assumptions

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.

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.

Mashreq Platinum Elite assumptions

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.

Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.

Read the full AED valuation methodology

How does the answer change with your budget?

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
Mashreq Platinum EliteOngoing net / year: Not estimated

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.

Monthly category amounts

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.

Family bills · AED 10,000/month

ADCB 365 CashbackOngoing net / year: AED 2,556.75
Mashreq Platinum EliteOngoing net / year: Not estimated

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.

Monthly category amounts

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.

Dining & travel · AED 10,000/month

ADCB 365 CashbackOngoing net / year: AED 3,066.75
Mashreq Platinum EliteOngoing net / year: Not estimated

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.

Monthly category amounts

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.

Use your own salary, spending and repayment habits

The selector can check published eligibility and compare first-year with ongoing value for your profile.

Find cards for my budget

What should you confirm with the bank?

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.
  • Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.
  • 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.

Product terms reviewed 2026-10-18.

Open the complete ADCB 365 Cashback review
Mashreq Platinum Elite: benefit conditions and official sources

Perks and exclusions

  • Lounges: Eight complimentary visits a year, with a maximum of two per billing month; cardholder and one guest. AED 7,000 spending in the previous billing cycle is required.
  • Cinema: Four half-price cinema tickets a billing month are advertised, subject to AED 7,000 spending in the previous billing cycle and current cinema terms.
  • The annual primary card fee is AED 650 plus 5% VAT, or AED 682.50. No first-year fee waiver has been established. The published minimum monthly income is AED 7,000.
  • Earn 5 Mashreq Vantage points per AED 1 internationally, 3 Points on dining and supermarkets, 1 Point on other local retail and 0.5 Points on selected categories. Bank-channel bill payments do not earn points. Restricted currency and merchant rules apply.
  • Perks require AED 7,000 spending in the previous billing cycle: up to eight airport lounge visits a year with a maximum of two per billing month, four half-price cinema tickets per billing month, and eight Fitness First visits per cycle.
  • Airport transfers are limited to three a calendar year and one a month, subject to the prior-cycle spending condition. Welcome rewards are excluded until current qualification conditions are verified.

Product terms reviewed 2026-10-24.

Open the complete Mashreq Platinum Elite review

Read the reward calculation methodology · Browse practical UAE card comparisons

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