ADCB Emirati Islamic: Cashback with eligible dining spending. Dubai First Cashback: Cashback with eligible groceries spending. 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.
Dubai First Cashback has the higher ongoing modelled value by AED 721.05 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.
Dubai First Cashback 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 annual fee AED 399 + 5% VAT = AED 418.95. A current unconditional first-year waiver is unverified, so the forecast charges this fee in year one and on renewal. Confirm any personal waiver in writing.
Aggregate estimate uses current domestic category rates/caps and reduced MCCs. The bank rounds cashback on each transaction to the nearest dirham (amounts below AED 0.50 earn zero); monthly category totals cannot reproduce that rounding. Actual posted cashback may differ. No unverified first-year fee waiver is assumed.
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
Dubai First CashbackOngoing net / year: AED 828.45
Dubai First Cashback has the higher ongoing modelled value by AED 1,773.45 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.
Dubai First CashbackOngoing net / year: AED 2,776.05
Dubai First Cashback has the higher ongoing modelled value by AED 721.05 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.
Dubai First CashbackOngoing net / year: AED 2,590.05
ADCB Emirati Islamic has the higher ongoing modelled value by AED 184.95 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.
Dubai First Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: Linked Platinum Mastercard programme lists 4 annual visits for UAE-issued cards. USD 1 equivalent international purchase activates 3 calendar months; without it, 1 complimentary visit then pause. Reactivation can take 3-15 days; USD 32 paid option listed. Register primary/supplementary cards separately. Confirm issued app budget, guests and year boundary; bank variation applies.
Cinema: VOX regular 2D: first 4 tickets per calendar month across primary/supplementary cards; advertised AED 20 excluding VAT (AED 21 if 5% applies), subject to AED 4,000 spending. Linked PDF conflicts on days/channels and qualification-month alignment; confirm before booking. Excess/unqualified tickets can be recovered at full price in next statement.
Current product page and FAB-UDS terms supersede older PDFs advertising 5% online, 3% foreign or AED 200 category caps.
The international-spend classification takes precedence over domestic merchant-category acceleration.
Use the published merchant rates, exclusions and caps; a single headline percentage does not apply to every purchase.
Cashback is capped at AED 1,000 per statement cycle and eligible transactions within the assigned credit limit, in addition to AED 150 category caps. Above-limit transactions do not earn. Category budgets do not establish exact posting or per-transaction nearest-dirham rounding; actual credits can be lower.
Published international AED/non-AED purchase bank charge: 2.88% before applicable VAT, plus separate scheme charges. KFS says up to 2.88% and estimates scheme processing at approximately 1.15%. Exact tax, conversion and posted total require confirmation; no fixed all-in rate established.
