ADCB Emirati Islamic: Cashback with eligible dining spending. Finance House CartNet: 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.
Finance House CartNet 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.
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
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
Finance House CartNetOngoing 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.
Finance House CartNetOngoing 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.
Finance House CartNetOngoing 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.
Finance House CartNet: benefit conditions and official sources
Perks and exclusions
Lounges: The product page lists selected regional lounges under Mastercard Titanium benefits, but the current KFS names Cartnet Platinum. Confirm the current card tier and lounge entitlement with Finance House/Mastercard before relying on access.
Cinema: No current offer verified.
This is a personal referral-network card, with no annual or registration fee. The product page advertises up to 50% cashback on personal expenditure through a successful referral network, plus AED 400 per successful referral. This is not a flat 50% cashback rate on ordinary card spending.
Referral qualification, network activity and programme limits determine the return. No reward forecast is assumed without the full current referral calculation and qualifying-network details.
The official page and linked card face say Mastercard Titanium, while the current KFS is titled Cartnet Platinum. The network is verified as Mastercard; the tier is left unconfirmed pending issuer clarification.
The KFS lists 3.65% monthly retail interest and 3.50% monthly cash interest, rising to 3.72% and 3.55% in case of non-payment. The 2.85% foreign-currency charge is before VAT, equivalent to 2.9925% including VAT; separate scheme charges were not quantified.
The linked CartNet programme covers Titanium. The AED 400 referral reward requires referred-card activation and AED 1,000 referrer spending in that same billing cycle, with both accounts in good standing. Recurring cashback is 1% of qualifying referred-card spending; both parties must spend AED 1,000 each cycle, and cashback is capped at 50% of the referrer’s own retail spending. Credit is monthly and the cycle runs from the 13th to the 12th. The current KFS names Platinum, but the programme excludes Platinum; confirm your issued tier and programme.
