ADCB Emirati Islamic: Cashback with eligible dining spending. FAB Z Card: FAB Rewards 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.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,935.45 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 Z 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.
The first year is free. The annual fee is AED 105 including VAT thereafter.
Verified ordinary-spend baseline. Dining uses the lower fast-food rate. Streaming reimbursement is excluded because the input cannot establish one of the six eligible platforms and the previous-month spending gate. Zero bank FX markup excludes scheme charges.
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 Z CardOngoing net / year: -AED 38.53
Neither ongoing estimate is positive on this budget. Modelled fees exceed or absorb the rewards; check whether any unpriced benefits justify the cost before shortlisting either card.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,935.45 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 2,610.54 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 Z Card: benefit conditions and official sources
Perks and exclusions
Lounges: Complimentary Mastercard lounge access requires a qualifying USD 1 purchase. Check the current visit allowance in the app.
Cinema: Up to 2 standard 2D tickets per calendar month at AED 20 at participating Reel, Cine Royal and Star cinemas, requiring AED 3,000 monthly spend. Supplementary purchases share the limit. Failed spending qualification or excess tickets are charged at full price in the following statement. Cinema/channel exclusions apply.
The 0% bank foreign transaction fee excludes scheme charges and currency conversion, so overseas purchases can still incur costs. Streaming rebate limits and reward exclusions are subject to the terms. Complimentary Careem Plus and noon One memberships last one year.
Up to 2 standard 2D tickets per calendar month at AED 20 at participating Reel, Cine Royal and Star cinemas, requiring AED 3,000 monthly spend. Supplementary purchases share the limit. Failed spending qualification or excess tickets are charged at full price in the following statement. Cinema/channel exclusions apply.
The Z card-specific bilingual terms disagree on the movie entitlement: English says 2 tickets, Arabic says 4. The English cinema programme allowance of 2 is shown conservatively; confirm the issued entitlement.
20% rebate on eligible Netflix, YouTube, Shahid VIP, Spotify, PlayStation and Xbox purchases, capped at AED 50 combined per calendar month across all six. English terms require AED 3,000 previous-calendar-month spend; Arabic says AED 5,000. Confirm the governing gate. Active primary card and eligible merchant identifiers are required; credit within 30 days. The forecast excludes this unresolved reimbursement.
