ADCB Emirati Islamic: Cashback with eligible dining spending. United Arab Bank World: 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.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,155 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.
United Arab Bank World 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 60,000 qualifying spend in the preceding card year.
First year free; renewal fee waived at AED 60,000 annual spending.
Monthly spending gates exclude School Fees. School cashback is capped at AED 2,000/month and AED 6,000/year; the forecast assumes equal monthly tuition payments. Fuel cap AED 150/month and eligible streaming cap AED 150/month. Fashion cashback is excluded because its spending-tier accelerator is not modelled. No rewards on other spending. Monthly cashback is rounded down to a whole dirham.
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
United Arab Bank WorldOngoing net / year: -AED 1,050.00
Neither ongoing estimate is positive on this budget. Modelled fees exceed or absorb the rewards; check whether any unpriced benefits justify the cost before shortlisting either card.
ADCB Emirati Islamic has the higher ongoing modelled value by AED 1,155 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 2,475 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.
United Arab Bank World: benefit conditions and official sources
Perks and exclusions
Lounges: Mastercard Travel Pass network; ordinary complimentary visit count and activation need confirmation.
Cinema: No current offer verified.
Current KFS states a generic minimum salary of AED 5,000; approval and tier limits remain subject to underwriting.
Use current KFS fees: World AED 1,050; Platinum AED 787.50; Titanium free. The tariff also contains older fee rows explicitly valid only until 14 April 2025.
Renewal fee waiver requires AED 60,000 qualifying spending in the preceding card year.
Use eligible posted retail for one UAB statement period, from the 15th to the 14th. Utility payments through UAB mobile/online banking, call centre, ATM, branch or other bank channels, instalment conversions and other excluded transactions do not count. Cashback is credited in the following statement period; annual estimates show accrual, not exact cash-posting dates.
Conditional ENTERTAINER welcome membership: primary World/Titanium holder, at least AED 10,000 salary, and no UAB card in the preceding six months. Complete a mobile-wallet transaction AND a taxi/food-app transaction within 30 days of receiving the card. Key delivery within 45 days; activate within 30 days of receipt; membership lasts 12 months. AED 40,000 first-year spend is required: failure, or closure before meeting it, can incur AED 551.25 including VAT. Confirm participation and issued terms. This is not a universal annual card fee or cash reward.
Official FX pricing unresolved: KFS issuer markup 2.63%, tariff 2.77%; both mention 3.15% currency conversion. Whether figures overlap or add, transaction and cohort require confirmation. Not zero cost; withhold all-in net when international spending is entered.
The default eight-category budget contains no separately identified streaming. In the specialist inputs, enter only eligible video-streaming merchants / MCCs 4899 or 5968, and remove that amount from Online Shopping. World streaming earns 100% up to AED 150/month after its eligible non-school gate. Titanium / Platinum streaming earns 100% from AED 5,000 eligible spending within the shared AED 500 monthly cashback cap. Posting and merchant eligibility still apply.
