ADCB Emirati Islamic: Cashback with eligible dining spending. ADIB Smiles Classic: Smiles Points 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.
ADIB Smiles Classic 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.
Free annual fee.
Current official Smiles rules offer variable merchant redemptions and explicitly allow required points to change. No single current published fixed AED-per-point redemption verified; do not infer 0.01 from the trade-in accrual rate or 0.008 from competitors.
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
ADIB Smiles ClassicOngoing 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.
ADIB Smiles ClassicOngoing 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.
ADIB Smiles ClassicOngoing 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.
ADIB Smiles Classic: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified.
Cinema: No current offer verified.
Smiles redemption values vary; do not infer a fixed cashback percentage.
Non-AED bank component 2.415% including VAT; scheme charges additional. Overseas-AED service component 2.8875% including VAT includes the stated Visa component, so do not add it twice. October 2026 tariff scope and legacy / self-funded qualifications apply.
