ADCB Emirati Islamic: Cashback with eligible dining spending. CBD Yes Rewards: Yes Rewards 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.
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
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 Yes Rewards 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.
Renewal waiver assumes at least AED 12,000 qualifying spend in the preceding card year.
The first year is free. Subsequent fees are waived with annual spending over AED 12,000.
Conservative ordinary-retail model uses 1 Yes point/AED and verified AED 0.01/point restricted ENOC value. Excluded MCCs earn zero; ENOC/EPPCO 3%–15% fuel boosts are excluded until users identify eligible merchant spend.
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 Yes RewardsOngoing net / year: AED 84
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
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 Yes Rewards: benefit conditions and official sources
Perks and exclusions
Lounges: 8 visits a year through Visa Airport Companion, subject to activation conditions.
Cinema: No current offer verified.
CBD lists Yes Rewards under Discontinued Cards.
ENOC and EPPCO rewards must not be applied to fuel spending at every UAE station.
Monthly reward tiers depend on total spend: below AED 2,500; AED 2,500–9,999; and over AED 10,000. Monthly caps are AED 75, AED 125 and AED 175 respectively.
The annual fee of AED 199 before VAT becomes AED 208.95. Yes points require a separate redemption model.
20,000 Yes points are worth AED 200 under the bank product page. Rewards are restricted to ENOC/EPPCO services and programme options; not statement cashback.
The exclusion table includes restaurant MCCs 5811–5814 even though the heading calls them quick-service restaurants. Generic Dining therefore earns zero in this baseline.
Groceries, education, government/utility/telecom, ordinary fuel, insurance, real estate/rent and car dealerships earn no ordinary Yes points.
Eligible ENOC/EPPCO receives 3% up to AED 75 below AED 2,500 total monthly spend; 10% up to AED 125 at AED 2,500–9,999; 15% up to AED 175 above AED 10,000. The exact AED 10,000 boundary is ambiguous on current table, so this boost is excluded.
