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SAME SPENDING · TRANSPARENT MATHS

Essential Cashback Credit Card vs CBD Super Saver Visa Signature Credit Card

Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.

Essential Cashback Credit Card — official bank artwork

Essential Cashback Credit Card

Minimum salary
AED 5,000
Annual fee
AED 0
First-year net
AED 1,005
Ongoing annual net
AED 1,005
Bank FX fee
2.99%; scheme charges may apply
Reward programme
Cashback

Important conditions

Direct utility merchant assumed at 0.75%. Education/school ambiguity and assigned credit limit are limitations; unknown October acquisition threshold is excluded.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

Four visits per year to 25+ lounges through Mastercard Travel Pass; qualifying non-AED transaction conditions apply.

Buy 1 Get 1 at Reel Cinemas: up to two complimentary tickets per month, offer currently ends 31 December 2026.

Official ADCB terms · reviewed 2026-10-18
CBD Super Saver Visa Signature Credit Card — official bank artwork

CBD Super Saver Visa Signature Credit Card

Minimum salary
AED 5,000
Annual fee
AED 420
First-year net
AED 3,300
Ongoing annual net
AED 2,880
Bank FX fee
Unverified
Reward programme
Cashback

Important conditions

Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

Visa Airport Companion: up to eight complimentary lounge visits per calendar year; verify activation and qualifying international-spend rules.

No cinema offer verified.

Official CBD terms · reviewed 2026-10-18

Which card fits your own spending?

A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.

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Review all assumptions and reward valuations

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