ADCB Emirati Islamic vs Ajman Bank ULTRACASH Touch Card
ADCB Emirati Islamic: Cashback with eligible dining spending. Ajman Bank ULTRACASH Touch Card: Cashback under the published conditions. Start with eligibility, reward use and total recurring cost.
ULTRACASH utility merchant / payment channel is not established by this input; utility rewards and qualifying spend are excluded until eligibility is known. Government transactions are excluded by the programme.
Cashback under the published conditions
Published minimum salary: AED 10,000 / month
Suits you if
You can use Cashback rewards at the stated redemption value.
The listed fees fit the value you expect from your existing budget.
Skip it if
The listed fee or transaction charges would outweigh your usable rewards.
Your salary is below the published minimum, or you cannot meet the bank’s other criteria.
Partial reward estimate · Cash / statement redemption model
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 1,290 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.
Ajman Bank ULTRACASH Touch Card 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.
Standard expat 315/national 525 VAT included; no unconditional waiver verified.
Conservative base-only estimate: the two optional accelerated categories are not included. UAE nationals receive 10% on fuel for the first three months, then 5%; that temporary rate is excluded. Base-only estimate assumes every entered amount is eligible personal retail within your assigned credit limit. Government transactions, wallet top-ups, money transfers, instalments, cash or financial transactions, fees and above-limit spending are excluded. Utilities classification depends on the merchant and payment channel; this interface cannot determine it. Optional accelerators are not included.
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
Ajman Bank ULTRACASH Touch CardOngoing net / year: AED 9
Ajman Bank ULTRACASH Touch Card has the higher ongoing modelled value by AED 954 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.
Ajman Bank ULTRACASH Touch CardOngoing net / year: AED 765
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,290 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.
Ajman Bank ULTRACASH Touch CardOngoing net / year: AED 825
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,950 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.
Ajman Bank ULTRACASH Touch Card: benefit conditions and official sources
Perks and exclusions
Lounges: Not established from product page.
Cinema: No current offer verified.
Annual fee is AED 300 plus VAT (AED 315) for expatriates, or AED 500 plus VAT (AED 525) for UAE nationals. The forecast uses the expatriate fee.
The welcome cash offer requires payment of the annual fee and one retail transaction within 30 days. Its nationality-specific amount is excluded from this base-only forecast.
The current product page does not substantiate a blanket first-year-free claim.
Bank foreign-currency processing margin includes 5% VAT in the displayed percentage. Visa/Mastercard scheme processing and exchange-rate effects can be additional.
ULTRACASH cashback expires two years after accrual. Redeem posted cashback through Ajman Bank Mobile Banking while eligible and in good standing. Closure, cancellation, card expiry or agreement breach can forfeit balances; a missed minimum due can block redemption until cleared. Forecasts show eligible accrual, not cash already received.
Base-only estimate assumes every entered amount is eligible personal retail within your assigned credit limit. Government transactions, wallet top-ups, money transfers, instalments, cash or financial transactions, fees and above-limit spending are excluded. Utilities classification depends on the merchant and payment channel; this interface cannot determine it. Optional accelerators are not included.
