ADCB Emirati Islamic: Cashback with eligible dining spending. ADCB LuLu Platinum: ADCB LuLu Points with eligible groceries spending. 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.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,428 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 2026-11-04; 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.
ADCB LuLu Platinum assumptions
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.
LuLu-only redemption at 5,000 points = AED 50. Ordinary groceries and QSR dining use reduced rates; LuLu purchases need the separate LuLu Stores input. Utilities are conservatively excluded because their direct earn classification is not explicit.
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
ADCB LuLu PlatinumOngoing net / year: AED 189
ADCB LuLu Platinum has the higher ongoing modelled value by AED 1,134 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.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,428 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.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,821 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.
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.
ADCB LuLu Platinum: benefit conditions and official sources
Perks and exclusions
Lounges: Four complimentary visits to 25+ participating lounges through Mastercard Travel Pass; the reset period is not established in the reviewed product page. Register before travel and present the app QR code; each supplementary holder registers separately. The first visit has a qualifying-spend exception. Subsequent complimentary eligibility requires at least USD 1 equivalent in non-AED spending and lasts three months from that transaction. USD 32 applies when the qualifying international transaction is missing and to guests beyond entitlement. Excess own-visit pricing, pooled versus individual allowance and current entitlement must be checked in the app.
Cinema: Get two buy-one-get-one-free Reel tickets per month through 31 December 2026.
There is no minimum rewards spending requirement. A bank-assessed eligible credit limit provides an alternative to the published salary requirement. LuLu Points cannot be treated as unrestricted cash.
No minimum reward spending requirement. No ordinary annual fee. Maintain original verified salary and status.
Generic Utilities is set to zero conservatively; do not label the model complete.
No minimum reward spend. Monthly eligible earning spend is limited to assigned credit limit. LuLu Points credited at month-end expire three years later. Cancellation, default or poor account standing can forfeit points. Section 1.2 excludes specified transactions, including bank-channel bills above AED 3,500 per billing cycle. Redemption is restricted LuLu value, not cash.
