ADCB Emirati Islamic: Cashback with eligible dining spending. Finance House Platinum: Other rewards 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 Platinum 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 PlatinumOngoing 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 PlatinumOngoing 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 PlatinumOngoing 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 Platinum: benefit conditions and official sources
Perks and exclusions
Lounges: The official product page lists selected regional airport lounges for Mastercard Platinum. Confirm the current participating lounges, registration, visit limits and qualification with Finance House/Mastercard; no unlimited worldwide entitlement is assumed.
Cinema: No current offer verified.
Free for life, with no principal annual or registration fee. Merchant deals through Value House and Mastercard privileges are discounts; no standard cash or points earning programme was verified.
The linked KFS lists 3.65% monthly retail interest and 3.50% cash interest, rising to 3.72% and 3.55% respectively in case of non-payment. New purchases lose the interest-free period when the previous balance is not paid in full.
The foreign-currency transaction charge is 2.85% before VAT, equivalent to 2.9925% including VAT. Any separate scheme conversion charge was not quantified in the product-specific KFS.
Balance transfers, easy cash and instalment plans have separate rates, fees and eligibility. Preferential instalment rates must not be substituted for the standard purchase rate.
