ADCB Emirati Islamic: Cashback with eligible dining spending. talabat ADCB Islamic Card: talabat Credit under the published conditions. Start with eligibility, reward use and total recurring cost.
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.
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 2026-11-04; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
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.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
UAE nationals only. Assumes eligible domestic dining/fuel and general retail, AED 7,000 monthly gate and AED 1,500 total monthly cap. Special cinema, jewellery, fitness and spa benefits are excluded.
talabat ADCB Islamic Card 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 earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
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 Emirati IslamicOngoing net / year: -AED 945.00
talabat ADCB Islamic CardOngoing 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.
talabat ADCB Islamic CardOngoing 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.
talabat ADCB Islamic CardOngoing 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.
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 Emirati Islamic: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion provides unlimited access for the cardholder and one guest, subject to activation conditions.
Cinema: Receive 50% back on online cinema tickets, subject to the cashback requirements.
The card is exclusively for UAE nationals. A bank-assessed eligible credit limit of AED 15,000 provides an alternative to the published salary requirement.
The seven 7% categories are domestic. All international retail is 1%. Travel split into airline and hotel inputs can earn 7% domestically if implemented.
Do not put this into a general applicant's personalised ranking without UAE nationality confirmation.
talabat ADCB Islamic Card: benefit conditions and official sources
Perks and exclusions
Lounges: Four complimentary Mastercard Travel Pass visits; reset period and pooling unestablished by exact product page. Register each card separately. First visit has a spend exception; later eligibility needs USD 1 equivalent non-AED spend and lasts three months. USD 32 applies without qualification and to guests beyond entitlement. Confirm app entitlement and excess-own-visit pricing.
Cinema: Reel Cinemas buy-one-get-one, up to 2 free tickets monthly through 31 December 2026; eligible ticket categories apply.
Digital-channel welcome: AED 750 talabat credit for new-to-ADCB-card customers or AED 200 for existing ADCB cardholders after AED 5,000 in 45 days; first issuance only. Not included in forecasts.
talabat pro free-delivery order minimum is AED 50 for restaurants and AED 100 for talabat mart, groceries and pharmacy at pro-tagged outlets.
Bank FX 2.99% is additional to scheme charges.
Earned talabat credit expires no later than two years after credit. Credited monthly to linked active talabat membership; statements can lag. Keep correct membership linked and check app expiry entries. Restricted talabat value, not cash; order caps, qualification and exclusions still apply.
