ADCB Emirati Islamic: Cashback with eligible dining spending. ruya Cashback: Cashback 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.
ruya Cashback 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.
Renewal waiver assumes at least AED 30,000 qualifying spend in the preceding card year.
First year is free. The current April 2026 fee schedule states AED 313.95 including VAT from year two unless AED 30,000 annual spending qualifies for waiver. The linked KFS instead quotes AED 299 while describing fees as VAT-inclusive; confirm your issued fee. The current website tariff is used for the forecast.
A reliable net reward recommendation is withheld while issued Murabaha costs remain unresolved. Reward figures exclude any unwaived facility profit. The 3 Nov 2026 KFS review described contractual instalments with Special Deposit/Wakala profit offsets and a discretionary rebate. Full payment alone does not establish guaranteed zero profit. Confirm issued grace, rebate and net profit terms.
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
ruya CashbackOngoing 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.
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.
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.
ruya Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No current airport lounge benefit verified.
Cinema: No current offer verified.
Government, utility and telecom retail, cash withdrawals and instalment plans are excluded from cashback. Foreign-exchange conversion charges do not earn cashback.
Cashback must be redeemed through the app and is applied to unbilled purchases; it does not replace the required monthly repayment. Unredeemed rewards are forfeited when the card closes.
The current tariff quotes 3% for foreign-currency purchases and AED transactions outside the UAE. Mastercard exchange-rate effects and any additional scheme component are not fully verified.
No welcome bonus, airport lounge entitlement or cinema offer is assumed. The standard account can be free; optional account-plan fees are not required or included in this card forecast.
A reliable net reward recommendation is withheld while issued Murabaha costs remain unresolved. Reward figures exclude any unwaived facility profit. The 3 Nov 2026 KFS review described contractual instalments with Special Deposit/Wakala profit offsets and a discretionary rebate. Full payment alone does not establish guaranteed zero profit. Confirm issued grace, rebate and net profit terms.
