ADCB 365 Cashback: Dining, fuel and groceries with a regular monthly budget. ruya Cashback: Cashback 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
Cashback under the published conditions
Published minimum salary: AED 5,000 / month
Partial reward estimate · Cash / statement redemption model
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 | ruya Cashback |
|---|---|---|
| Minimum monthly salary | AED 5,000 | AED 5,000 |
| Modelled fees · first year | AED 0 | AED 0 |
| Modelled fees · ongoing year | AED 383.25 | AED 0 |
| Estimated first-year net | AED 3,305 | AED 1,800 |
| Estimated ongoing net / year | AED 2,556.75 | AED 1,800 |
| Reward redemption model | Cash / statement redemption model | Cash / statement redemption model |
| Bank FX charge | 2.99%; scheme charges may apply | 3%; scheme charges may apply |
| Earning spend gate | AED 5,000 eligible monthly spend; check below-gate earning | Category and programme conditions apply |
ADCB 365 Cashback has the higher ongoing modelled value by AED 756.75 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 2026-10-25; 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: AED 0. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Renewal waiver assumes at least AED 30,000 qualifying spend in the preceding card year.
First year is free. The current April 2026 fee schedule states AED 313.95 including VAT from year two unless AED 30,000 annual spending qualifies for waiver. The linked KFS instead quotes AED 299 while describing fees as VAT-inclusive; confirm your issued fee. The current website tariff is used for the forecast.
Models 2% on eligible general retail, capped at AED 500 per billing cycle. Utilities are excluded. School fees are excluded conservatively because the monthly input does not distinguish eligible private tuition from excluded government payments. Government, telecom, cash withdrawals and instalments do not earn cashback. Unpriced perks are excluded.
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.
ruya Cashback has the higher ongoing modelled value by AED 1,031.25 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.
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.
ADCB 365 Cashback has the higher ongoing modelled value by AED 756.75 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.
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 has the higher ongoing modelled value by AED 786.75 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.
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