ADCB Emirati Islamic: Cashback with eligible dining spending. Mashreq Platinum Elite: Mashreq Vantage 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.
Mashreq Platinum Elite 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.
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
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 Platinum EliteOngoing 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.
Mashreq Platinum EliteOngoing 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.
Mashreq Platinum EliteOngoing 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.
Mashreq Platinum Elite: benefit conditions and official sources
Perks and exclusions
Lounges: Eight complimentary visits a year, with a maximum of two per billing month; cardholder and one guest. AED 7,000 spending in the previous billing cycle is required.
Cinema: Four half-price cinema tickets a billing month are advertised, subject to AED 7,000 spending in the previous billing cycle and current cinema terms.
The annual primary card fee is AED 650 plus 5% VAT, or AED 682.50. No first-year fee waiver has been established. The published minimum monthly income is AED 7,000.
Earn 5 Mashreq Vantage points per AED 1 internationally, 3 Points on dining and supermarkets, 1 Point on other local retail and 0.5 Points on selected categories. Bank-channel bill payments do not earn points. Restricted currency and merchant rules apply.
Perks require AED 7,000 spending in the previous billing cycle: up to eight airport lounge visits a year with a maximum of two per billing month, four half-price cinema tickets per billing month, and eight Fitness First visits per cycle.
Airport transfers are limited to three a calendar year and one a month, subject to the prior-cycle spending condition. Welcome rewards are excluded until current qualification conditions are verified.
Mashreq Vantage points expire three years after earning. Separately, the entire balance is forfeited after 12 months without earning or redeeming. Payment delay / default can restrict redemption. Cash, voucher and airline conversions differ. This rule is for the named Vantage cards, not automatically Aura or noon rewards.
