ADCB Islamic 365 Cashback Card vs CBD Al Islami Super Saver Signature
ADCB Islamic 365 Cashback Card: Cashback with eligible dining spending. CBD Al Islami Super Saver Signature: Cashback with eligible groceries spending. Start with eligibility, reward use and total recurring cost.
Utility bill-payment rewards are unresolved: the bank lists reduced utility categories but also excludes bill payments without establishing a direct-merchant exception. This conservative forecast excludes the rewards, while bill spending still counts toward the published qualifying-spend gate. This is a modelling assumption, not a bank-confirmed exclusion of every utility transaction.
Cashback with eligible dining spending
Suits you if
Your regular dining spending fits the published reward categories and caps.
The listed fees fit the value you expect from your existing budget.
Skip it if
Your eligible monthly budget is below the AED 5,000 gate needed for the stated rewards.
You need a published salary requirement; this record still needs issuer confirmation.
Salary floor unconfirmed. Ask ADCB before applying.
Partial reward estimate · Cash / statement redemption model
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.
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 383.25 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 365. 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.
Utility bill-payment rewards are unresolved: the bank lists reduced utility categories but also excludes bill payments without establishing a direct-merchant exception. This conservative forecast excludes the rewards, while bill spending still counts toward the published qualifying-spend gate. This is a modelling assumption, not a bank-confirmed exclusion of every utility transaction. School fees remain excluded conservatively; merchant classification and the approved credit limit can reduce awards. Other verified category rules and the foreign-market split remain separate.
CBD Al Islami Super Saver Signature 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.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Standard Islamic Super Saver renewal annual fee is AED 420 including VAT, with first year free per the linked KFS. The current Islamic tariff separately identifies AED 840 for applications before 29 February 2020. That older issued cohort is not a universal new-card fee. Confirm migrated / issued cohort and any renewal waiver; none is inferred automatically.
Partial forecast for direct bills, education, supermarket and fuel transactions under the bank’s published monthly tiers. Telecom shares the bills cap but is excluded from this forecast. Insurance, bank-channel payments, aggregators, instalments and other excluded transactions must not be entered as eligible retail. Earning is limited by the approved credit limit. No unverified renewal waiver is assumed.
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 Islamic 365 Cashback CardOngoing net / year: -AED 383.25
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 611.25 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.
ADCB Islamic 365 Cashback CardOngoing net / year: AED 2,496.75
CBD Al Islami Super Saver SignatureOngoing net / year: AED 2,880
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 383.25 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 Islamic 365 Cashback CardOngoing net / year: AED 3,036.75
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
ADCB Islamic 365 Cashback Card has the higher ongoing modelled value by AED 2,256.75 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 Islamic 365 Cashback Card: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary.
AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.
International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.
Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.
First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.
Islamic schedule specifically publishes 3.69% monthly profit for cards issued from 1 January 2023; older cards have a different rate. No conventional rate was substituted.
Utility bill-payment rewards are unresolved: the bank lists reduced utility categories but also excludes bill payments without establishing a direct-merchant exception. This conservative forecast excludes the rewards, while bill spending still counts toward the published qualifying-spend gate. This is a modelling assumption, not a bank-confirmed exclusion of every utility transaction.
CBD Al Islami Super Saver Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Airport lounge access is advertised. Current Visa Signature and CBD lounge terms determine the visit allowance and activation conditions.
Cinema: No current offer verified.
This is the Islamic Super Saver Visa Signature, distinct from the conventional card. The first year is free; the standard annual fee from year two is AED 420 including VAT. Confirm the renewal waiver and salary eligibility with CBD.
Eligible Bills, Education, Supermarket and Fuel spending earns 3% when total monthly spending reaches AED 3,000, 5% at AED 10,000 and 10% at AED 20,000. Per-category caps are AED 75, AED 100 and AED 150 respectively; total monthly caps are AED 300, AED 400 and AED 600.
Other retail earns no cashback. Direct merchant payments are required; bank channels, payment aggregators, cash, instalments and bank fees are excluded. Rewards are limited by the credit limit. Minimum redemption is AED 50 and cashback expires after 12 months.
The monthly profit rate is 3.45%. The international transaction bank fee is 2.75% plus scheme processing charges. Cinema and valet benefits for this card were discontinued from 9 May 2025.
Standard Islamic Super Saver renewal annual fee is AED 420 including VAT, with first year free per the linked KFS. The current Islamic tariff separately identifies AED 840 for applications before 29 February 2020. That older issued cohort is not a universal new-card fee. Confirm migrated / issued cohort and any renewal waiver; none is inferred automatically.
