ADCB Islamic 365 Cashback Card vs Emirates NBD Go4it Gold
ADCB Islamic 365 Cashback Card: Cashback with eligible dining spending. Emirates NBD Go4it Gold: ENBD Plus Points 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 2026-10-25; 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.
Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.
Emirates NBD Go4it Gold 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.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Current advertised no-annual-fee offer; duration and issued terms must be confirmed. This is not labelled free for life.
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
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
Emirates NBD Go4it GoldOngoing 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.
ADCB Islamic 365 Cashback CardOngoing net / year: AED 2,556.75
Emirates NBD Go4it GoldOngoing 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.
ADCB Islamic 365 Cashback CardOngoing net / year: AED 3,066.75
Emirates NBD Go4it GoldOngoing 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.
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.
Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.
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.
Emirates NBD Go4it Gold: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary lounge entitlement established on the reviewed product page.
Cinema: No current offer verified.
Plus Points are a reward currency. Merchant, cashback and airline redemptions can have different values. Published point rates are not treated as guaranteed cash returns.
Current advertised no-annual-fee offer; duration and issued terms must be confirmed. This is not labelled free for life.
Built-in nol transit functionality uses Regular class. The bank advertises Dubai Ferry rides, subject to its separate usage conditions. Neither transit spending nor ferry benefits are assumed free without those conditions.
Weekday, weekend and RTA earning are separate. The spending form does not collect transaction dates or a complete RTA split, so a headline weekend rate is not applied to the whole budget.
