ADCB Emirati Islamic: Cashback with eligible dining spending. CBD Smiles Signature: 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.
CBD Smiles 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.
Renewal waiver assumes at least AED 24,000 qualifying spend in the preceding card year.
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
CBD Smiles 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 Smiles 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 Smiles 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 Smiles Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion: eight complimentary lounge visits per calendar year, subject to qualifying international spend; page retains older LoungeKey wording in another section.
Cinema: No current offer verified.
First year annual fee waived. AED 525 including VAT from year two, waived after AED 24,000 annual retail spend.
Earn 10 Smiles points/AED at e&/Etisalat channels, Smiles app and elGrocer, capped at 25,000 points/month; up to 3/AED international and 2/AED domestic. Listed reduced categories earn differently.
Quarterly bonus 5,000 Smiles points after AED 10,000 cumulative spend in the preceding calendar quarter; paid at the next quarter start. Points are not assigned a generic cash rate.
90-day Smiles Unlimited subscription and AED 200 Unravel hotel discount have restrictions. Further free subscription renewal depends on 25,000 qualifying points in the prior 60 days; otherwise paid renewal may apply.
Current main lounge section says Visa Airport Companion; a separate section still says LoungeKey. Eight visits/year and qualifying international spend are stated; verify the app and activation before travel.
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.
