ADCB 365 Cashback: Dining, fuel and groceries with a regular monthly budget. National Bank of Umm Al Qaiwain NBQ Gold: Other rewards under the published conditions. Start with eligibility, reward use and total recurring cost.
Dining, fuel and groceries with a regular monthly budget
Published minimum salary: AED 5,000 / month
Partial reward estimate · Cash / statement redemption model
Other rewards under the published conditions
Published minimum salary: AED 8,000 / month
AED rewards not estimated · Reward value unconfirmed
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 | ADCB 365 Cashback | National Bank of Umm Al Qaiwain NBQ Gold |
|---|---|---|
| Minimum monthly salary | AED 5,000 | AED 8,000 |
| Modelled fees · first year | AED 0 | AED 0 |
| Modelled fees · ongoing year | AED 383.25 | AED 0 |
| Estimated first-year net | AED 3,305 | Not estimated |
| Estimated ongoing net / year | AED 2,556.75 | Not estimated |
| Reward redemption model | Cash / statement redemption model | Reward value unconfirmed |
| Bank FX charge | 2.99%; scheme charges may apply | 2.6145%; scheme charges may apply |
| Earning spend gate | AED 5,000 eligible monthly spend; check below-gate earning | Category 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.
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: 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.
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.
Primary annual subscription is free.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
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 2026-10-18.
Product terms reviewed 2026-10-24.
Read the reward calculation methodology · Browse practical UAE card comparisons