ADCB Islamic 365 Cashback Card: Cashback with eligible dining spending. ruya Cashback: 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.
ADCB Islamic 365 Cashback Card has the higher ongoing modelled value by AED 756.75 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.
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.
ruya Cashback 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.
Renewal waiver assumes at least AED 30,000 qualifying spend in the preceding card year.
First year is free. The current April 2026 fee schedule states AED 313.95 including VAT from year two unless AED 30,000 annual spending qualifies for waiver. The linked KFS instead quotes AED 299 while describing fees as VAT-inclusive; confirm your issued fee. The current website tariff is used for the forecast.
Models 2% on eligible general retail, capped at AED 500 per billing cycle. Utilities are excluded. School fees are excluded conservatively because the monthly input does not distinguish eligible private tuition from excluded government payments. Government, telecom, cash withdrawals and instalments do not earn cashback. Unpriced perks are excluded.
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
ruya CashbackOngoing net / year: AED 648
ruya Cashback has the higher ongoing modelled value by AED 1,031.25 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 2,556.75
ruya CashbackOngoing net / year: AED 1,800
ADCB Islamic 365 Cashback Card has the higher ongoing modelled value by AED 756.75 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.
ADCB Islamic 365 Cashback CardOngoing net / year: AED 3,066.75
ruya CashbackOngoing net / year: AED 2,280
ADCB Islamic 365 Cashback Card has the higher ongoing modelled value by AED 786.75 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.
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.
ruya Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No current airport lounge benefit verified.
Cinema: No current offer verified.
Government, utility and telecom retail, cash withdrawals and instalment plans are excluded from cashback. Foreign-exchange conversion charges do not earn cashback.
Cashback must be redeemed through the app and is applied to unbilled purchases; it does not replace the required monthly repayment. Unredeemed rewards are forfeited when the card closes.
The current tariff quotes 3% for foreign-currency purchases and AED transactions outside the UAE. Mastercard exchange-rate effects and any additional scheme component are not fully verified.
No welcome bonus, airport lounge entitlement or cinema offer is assumed. The standard account can be free; optional account-plan fees are not required or included in this card forecast.
