ADCB Emirati Islamic: Cashback with eligible dining spending. FAB Rewards Indulge Card: FAB Rewards with eligible online shopping 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 968.17 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 Rewards Indulge Card 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.
Verified eligible personal-retail baseline. Online Shopping means general-retail e-commerce carrying Mastercard indicator S, excluding low-rate bills paid online. Dining uses the lower fast-food rate. The overall 50,000-point cap conservatively includes the monthly bonus. Lifestyle discounts are excluded.
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 Rewards Indulge CardOngoing net / year: AED 95.21
FAB Rewards Indulge Card has the higher ongoing modelled value by AED 1,040.21 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 Rewards Indulge CardOngoing net / year: AED 1,086.83
ADCB Emirati Islamic has the higher ongoing modelled value by AED 968.17 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 Rewards Indulge CardOngoing net / year: AED 1,131.74
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,643.26 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 Rewards Indulge Card: benefit conditions and official sources
Perks and exclusions
Lounges: Enjoy four visits per year to more than 25 lounges, subject to a qualifying USD 1 purchase.
Cinema: Get four tickets per month at AED 20 each after meeting the AED 3,000 monthly spending requirement.
The points redemption value and the precise definition of eligible online purchases have not been fully verified. These rewards are not included in a net value estimate.
