ADCB Islamic 365 Cashback Card vs INB Invest Bank Mastercard Platinum
ADCB Islamic 365 Cashback Card: Cashback with eligible dining spending. INB Invest Bank Mastercard Platinum: 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.
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.
INB Invest Bank Mastercard Platinum 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.
First-year membership fee waived; AED 525 including VAT from year two (tariff AED 500 before VAT). No recurring waiver established.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
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
INB Invest Bank Mastercard PlatinumOngoing 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
INB Invest Bank Mastercard PlatinumOngoing 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
INB Invest Bank Mastercard PlatinumOngoing 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.
INB Invest Bank Mastercard Platinum: benefit conditions and official sources
Perks and exclusions
Lounges: No independently verified Platinum lounge entitlement. The current Platinum page repeats a paragraph explicitly referring to World Mastercard; this is not used as proof for Platinum.
Cinema: No current offer verified.
The bank’s current website is inb.ae. Its legacy investbank.ae product links redirect to the modern homepage; the reviewed current product pages offer applications.
The fee schedule adds 5% VAT. Standard retail interest is 3.49% per month (41.88% nominal annual); cash interest is 3.99% per month (47.88% nominal annual). The 3% foreign-exchange commission is 3.15% including VAT, with any separate scheme or exchange-rate effects additional.
The KFS specifies a security cheque equal to 120% of the credit limit and says salary transfer may be required. No separate joining charge is established. Confirm your issued eligibility and repayment terms.
No annual reward forecast is assigned. The product page supplies cashback headlines, but the complete current spending exclusions, qualification gates and category caps are not established. A headline rate is not applied to every spending category.
