ADCB Emirati Islamic: Cashback with eligible dining spending. FAB Cashback Islamic: 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.
AED 3,000 in the preceding month; check below-gate earning
FAB Cashback Islamic has the higher ongoing modelled value by AED 1,086 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.
FAB Cashback Islamic 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.
Conservative detailed expat schedule and previous-calendar-month spend gate used while conflicting issuer copy remains. Visitor nationality, card-specific merchant classification and approved limit affect actual awards. Monthly cashback is rounded down to whole dirhams under clause 2 of the Islamic programme terms; fractional carry-forward is not 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
FAB Cashback IslamicOngoing net / year: AED 969
FAB Cashback Islamic has the higher ongoing modelled value by AED 1,914 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.
FAB Cashback Islamic has the higher ongoing modelled value by AED 1,086 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.
FAB Cashback Islamic has the higher ongoing modelled value by AED 810 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.
FAB Cashback Islamic: benefit conditions and official sources
Perks and exclusions
Lounges: Mastercard World lounge benefit for cardholder and one guest; qualifying conditions apply.
Cinema: No current offer verified.
Conservative detailed expat schedule: 5% groceries/fuel/dining, each capped AED 150/month; 3% non-AED, 1% other eligible and 0.15% selected MCCs, AED 1,000 overall cap.
Detailed programme terms require AED 3,000 in the preceding calendar month; this model therefore assumes no rewards in the first calendar month. Marketing no-minimum-spend wording and clause 8 conflict and remain unresolved.
UAE-national detailed caps differ: AED 200 for each accelerated category and AED 1,500 overall.
Annual membership fee AED 300 excluding VAT = AED 315; retail profit rate up to 3.99% monthly.
The separate Islamic fee schedule states 2.61% international fee + 1.15% scheme charges and says fees inclusive of VAT unless otherwise specified; do not apply the conventional FAB extra-VAT fee assumption to this record.
Commodity Murabahah structure. Non-Shariah-compliant merchant types are blocked. Zero-profit instalment conversions and financial/fee transactions do not earn cashback.
