ADCB Emirati Islamic: Cashback with eligible dining spending. Finance House Rabeh: 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 Rabeh 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 RabehOngoing 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 RabehOngoing 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 RabehOngoing 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 Rabeh: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary lounge entitlement independently verified.
Cinema: No current offer verified.
For UAE nationals. The product-specific KFS requires at least AED 6,000 monthly salary and age 21–60. Principal annual and registration fees are free. Retail and cash interest are 2.49% per month, rising to 3.24% in case of non-payment.
Rabeh rewards are promotional draw entries, not guaranteed cashback or points with a fixed cash value. The current programme runs from 20 January to 31 December 2026 and requires an active eligible card, good standing, an active FH Money app and at least one card transaction in the 30 days before a draw.
The programme awards one base ticket per AED 10 spent, with specified acquisition and transaction multipliers, subject to a 10,000-ticket billing-cycle cap. The advertised prize pool is not included in an annual reward estimate.
The official Sanad page states that Sanad has been rebranded to Rabeh. Sanad is therefore not counted as a separate current new-application product.
The 2.85% foreign-currency charge is before VAT, equivalent to 2.9925% including VAT. Credit-shield and borrowing-facility charges are separate from rewards.
