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.
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.
Annual rewards are not estimated: wallet versus non-wallet retail and shared caps across lower-earning categories require rules not yet supported by this calculator. The published category facts remain available below.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
No complimentary access verified.
50% cashback on cinema spending, capped at AED 100 a month, after AED 2,000 total monthly spend.
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.
