ADCB Emirati Islamic: Cashback with eligible dining spending. Dubai First Low-Rate: 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.
Dubai First Low-Rate 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.
Free for life.
The current Low-Rate product does not publish ordinary purchase rewards. Its 1% balance-transfer cashback is a borrowing promotion, not recurring cashback on shopping; no purchase reward estimate is invented.
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 Low-RateOngoing 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.
Dubai First Low-RateOngoing 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.
Dubai First Low-RateOngoing 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.
Dubai First Low-Rate: 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: First 4 regular 2D tickets combined per calendar month at Cine Royal, Star and Reel, including supplementary cards; AED 5,000 spending condition and participating counter/online/app channels apply. Excess or failed qualification means full-price recovery in next statement. Product/PDF qualification-month alignment needs confirmation.
The current published monthly purchase interest rate is 2.49%.
The current Low-Rate tariff is free; separately named legacy National/Expat variants have AED 300 pre-VAT fees.
Do not treat borrowing promotions as ordinary purchase cashback.
Verified zero annual fee and advertised 2.49% monthly borrowing rate. Suitable comparison belongs in borrowing-cost tools, not top rewards ranking.
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.
Conditional borrowing offer: 1% on eligible non-FAB card balances transferred through Dubai First app to the three-month plan; capped AED 200 per calendar month and AED 500 per calendar year. Active primary Low-Rate holders only; credit within 35 days. Closure, upgrade, downgrade or inactivity during processing can forfeit it. Confirm processing fee/repayment schedule; 0% interest does not mean zero total cost. No fixed end date established.
