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SAME SPENDING · TRANSPARENT MATHS

ADCB Islamic 365 Cashback Card vs Mashreq Cashback 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.

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
Mashreq Cashback Credit Card — official bank artwork

Mashreq Cashback Credit Card

Minimum salary
AED 5,000
Annual fee
AED 0
First-year net
AED 2,063
Ongoing annual net
AED 1,563
Bank FX fee
2.89%; scheme charges may apply
Reward programme
Cashback

Important conditions

Use the full review to inspect caps, offer conditions and exclusions.

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

No complimentary access verified

50% off up to eight Deluxe-Plus Cinepolis tickets monthly at Oasis Mall, Sharjah through 31 December 2026. Website/app only; mobile wallets excluded. Separate from the paid-card VOX/Reel/Novo offer.

Official Mashreq 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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