ADCB Emirati Islamic: Cashback with eligible dining spending. FAB GEMS World: FAB Rewards with eligible international spend 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.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,552.01 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 GEMS World 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 24,000 qualifying spend in the preceding card year, excluding School Fees.
First year free for new-to-bank customers under the linked GEMS FAQ. Standard renewal AED 399 + VAT = AED 418.95; waived with AED 24,000 non-education retail spend in the preceding card year.
Verified ordinary-spend baseline. Generic school fees earn the low rate. GEMS tuition discounts and named school-bus, canteen, uniform and extracurricular benefits are excluded. The ordinary-spend subcap is 250,500 points, equivalent to AED 750 per month. Dining uses the lower fast-food rate.
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 GEMS WorldOngoing net / year: AED 129.34
FAB GEMS World has the higher ongoing modelled value by AED 1,074.34 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.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,552.01 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.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,786.98 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 GEMS World: benefit conditions and official sources
Perks and exclusions
Lounges: Enjoy eight visits per year for the cardholder and a guest, subject to a qualifying USD 1 purchase.
Cinema: Get two tickets per month at AED 20 each at Reel, Cine Royal and Star cinemas, plus a 40% discount on Cinepolis deluxe tickets.
The current 2026–27 GEMS school schedule supports a discount of up to 3%. The discount varies by school and payment channel and does not apply to every school.
