ADCB Emirati Islamic vs Sharjah Islamic Bank Cashback
ADCB Emirati Islamic: Cashback with eligible dining spending. Sharjah Islamic Bank Cashback: Cashback with eligible online shopping 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 165 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.
Sharjah Islamic Bank 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.
Renewal waiver assumes at least AED 10,000 qualifying spend in the preceding card year.
First year free. From year two the AED 199 VAT-inclusive fee is waived after AED 10,000 qualifying retail spending in the preceding card year. Cash advances, balance transfers and fees do not qualify.
Wallet channel is not a universal spend category. Specific merchants never receive the 10% rate; Dining conservatively assumes excluded quick service. EEA earns 0.3% and excluded foreign merchant categories 0.5%.
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
Sharjah Islamic Bank CashbackOngoing net / year: AED 438
Sharjah Islamic Bank Cashback has the higher ongoing modelled value by AED 1,383 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.
Sharjah Islamic Bank CashbackOngoing net / year: AED 1,890
ADCB Emirati Islamic has the higher ongoing modelled value by AED 165 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.
Sharjah Islamic Bank CashbackOngoing net / year: AED 2,280
ADCB Emirati Islamic has the higher ongoing modelled value by AED 495 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.
Sharjah Islamic Bank Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: No current offer verified.
The June 2026 KFS states a minimum monthly income of AED 5,000. Bank credit assessment may apply additional eligibility criteria.
Online/wallet exclusions include supermarket, fuel, education, utilities/telecom, government, real estate, QSR, insurance, auto, public transport, tolls and charities.
AED 199 is VAT inclusive in KFS. Page has contradictory EEA prose; detailed table and June KFS state 0.3%.
SIB cashback applies only to eligible statement-posted spending within the assigned credit limit. Above-limit spending earns no cashback; this is a spending cap, separate from the AED 300 accelerated-cashback cap. Direct eligible utility payments can earn 0.5%; SIB online/mobile-banking bill payments do not qualify.
