ADCB Emirati Islamic: Cashback with eligible dining spending. Mashreq Aura: Aura Points 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 690 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.
Mashreq Aura 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.
September 2026 KFS confirms ordinary grocery/retail/reduced-category percentages paid as Aura points (50 points = AED 1). Co-brand/loyalty-tier discounts and welcome rewards are excluded; earn is limited to spending within the assigned credit limit.
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
Mashreq AuraOngoing net / year: AED 492
Mashreq Aura has the higher ongoing modelled value by AED 1,437 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 690 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 1,665 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.
Mashreq Aura: benefit conditions and official sources
Perks and exclusions
Lounges: Mastercard Travel Pass: 4 lounge visits/airport dining uses combined per calendar year. Foreign transaction of USD 1 or equivalent extends eligibility for three calendar months; allow up to 72 hours to reactivate.
Cinema: No current offer verified.
Rewards are credited as restricted Aura points:50 points equal AED 1 when redeemed. They are not statement cashback.
Specified categories earn 0.25%; bank-channel bill payments earn no points. Rewards apply only to monthly spending within the assigned credit limit.
The bank application catalogue confirms the salary floor, card fee and exact artwork. Network branding alone does not establish a complimentary perk.
These percentage returns describe AED-equivalent Aura redemption value, not a raw number of points per AED. At 50 Aura points per AED, 1% return = 0.5 Aura point/AED.
Only domestic groceries receive the grocery accelerator; general international retail uses the ordinary international rate. Specified school, utilities, fuel, rental, charity and telecom earn 0.25%.
Participating-brand headline combines bank-funded 4%/6%/8% points with loyalty tier points of up to 4%; do not apply 8%/10%/12% to all retail spending.
Official benefit document verifies lounge visits 4/8/14 by tier with USD 1 international activation and three-month eligibility windows.
