ADCB Emirati Islamic: Cashback with eligible dining spending. CBD One Signature: Cashback 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.
CBD One Signature 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.
The AED 135 maximum is three selected merchant rebates (food/grocery/fuel) and cannot be established from generic spending categories. No ordinary base rebate verified outside those designated merchants. Keep forecast unavailable until explicit eligible-merchant inputs.
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
CBD One SignatureOngoing 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.
CBD One SignatureOngoing 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.
CBD One SignatureOngoing 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.
CBD One Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion: up to eight complimentary lounge visits per calendar year; confirm activation and spend eligibility.
Cinema: No current offer verified.
Current product and March 2025 FAQ say free for life and up to AED 135 cashback per month at listed merchants after meeting the AED 5,000 monthly spend criterion. Do not substitute old Starter/One Plus/VIP selectable-plan terms from the older CBD One microsite.
Selected merchants include noon, Airbnb, Booking.com, Amazon, iTunes, Uber, Careem, named food-delivery apps, streaming, cinema, coffee and fitness brands. Cashback cannot exceed actual qualifying merchant spend; transaction posting dates and account status matter.
The latest FAQ says at least AED 5,000 spend on selected merchants, while an alternate 2025 FAQ example describes total monthly spend plus smaller selected-merchant purchases. Confirm this eligibility conflict with CBD. No reward forecast is shown.
Cinema and golf benefits in the March 2025 FAQ expired on 9 May 2025; they are not presented as current benefits.
Current CBD conventional tariff (updated 17 December 2025) and September 2026 KFS publish a 3.5% international transaction fee on overseas AED and non-AED purchases, plus scheme processing. The VAT-inclusive heading and VAT-applicability footnote conflict: 3.5% is used as published, without adding VAT again. Confirm posted treatment. Exchange conversion and merchant DCC are separate.
