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SAME SPENDING · TRANSPARENT MATHS

ADCB Islamic 365 Cashback Card vs FAB Etihad Guest Platinum

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.

ADCB Islamic 365 Cashback Card — official bank artwork

ADCB Islamic 365 Cashback Card

Minimum salary
AED 5,000
Annual fee
AED 383.25
First-year net
AED 3,305
Ongoing annual net
AED 2,556.75
Bank FX fee
2.99%; scheme charges may apply
Reward programme
Cashback

Important conditions

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.

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

No complimentary access verified

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.

Official ADCB terms · reviewed 2026-10-18
FAB Etihad Guest Platinum Credit Card — official bank artwork

FAB Etihad Guest Platinum Credit Card

Minimum salary
AED 8,000
Annual fee
AED 525
First-year net
Not estimated
Ongoing annual net
Not estimated
Bank FX fee
Unverified
Reward programme
Other rewards

Important conditions

Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.

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

No complimentary access verified

Get four tickets per month at AED 20 each at Reel, Cine Royal and Star cinemas, subject to AED 3,000 monthly spending.

Official FAB terms · reviewed 2026-10-22

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.

Compare your actual salary and spending

Review all assumptions and reward valuations

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