ADCB Emirati Islamic: Cashback with eligible dining spending. Liv Cashback: Cashback with eligible utilities 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 225 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.
Liv Cashback 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.
Free for life.
Whole-month earning tiers and the monthly cap are modelled. Cashback is also capped at 2% of the assigned credit limit. An omitted limit assumes it covers the monthly budget; early repayments do not reset the cap. School fees are conservatively treated as low-rate bill payments. Redemption requires at least 500 points; the points-to-cash minimum is not inferred. Estimate assumes eligible general retail in each bank processing month. Travel, airline, agency, transport, taxi, toll, freight and other listed MCCs can earn only 0.1%. Merchant settlement and bank processing can move a purchase into another month; that month’s tiers and caps apply. School Fees at 0.1% remains an explicit conservative assumption, not a verified education-MCC rate. App bill-payment eligibility requires channel-specific checks.
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
Liv CashbackOngoing net / year: AED 246.6
Liv Cashback has the higher ongoing modelled value by AED 1,191.6 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.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 225 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 489 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.
The current direct-download KFS states a minimum monthly salary of AED 5,000 for Cashback and AED 15,000 for Cashback+. Older indexed copies can differ.
Government, utilities and bill payments earn 0.1%. The monthly cap also depends on the assigned credit limit; cycling that limit does not increase it.
January 2026 combined KFS: Cashback and Tamayaz Platinum monthly interest is 3.49%, with a published minimum salary of AED 5,000; Cashback+ and Tamayaz World have 3.25% interest and an AED 15,000 salary criterion. The generic Tamayaz FAQ still states AED 5,000, so World eligibility remains conflicting pending issuer clarification. Approval and other criteria apply.
Published nominal Liv foreign-processing bank fee: 1.99%. Mastercard processing is additional (the bank quotes approximately 1.15%), and conversion and applicable tax costs may apply. Exact percentage VAT and foreign-AED scope are not settled. This is not an all-in FX price.
Estimate assumes eligible general retail in each bank processing month. Travel, airline, agency, transport, taxi, toll, freight and other listed MCCs can earn only 0.1%. Merchant settlement and bank processing can move a purchase into another month; that month’s tiers and caps apply. School Fees at 0.1% remains an explicit conservative assumption, not a verified education-MCC rate. App bill-payment eligibility requires channel-specific checks.
