ADCB Islamic TouchPoints Platinum Card: ADCB TouchPoints under the published conditions. Emirates Islamic Switch Cashback Card: Cashback with eligible fuel spending. 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: 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 free; renewal AED 630 Aspire, AED 315 Privilege, free Excellency.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Emirates Islamic Switch Cashback Card 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.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
The first year is free. The ongoing fee is waived after AED 30,000 annual qualifying purchases; otherwise AED 313.95 including VAT applies.
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 TouchPoints Platinum CardOngoing net / year: Not estimated
Emirates Islamic Switch Cashback CardOngoing net / year: AED 970.05
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 TouchPoints Platinum CardOngoing net / year: Not estimated
Emirates Islamic Switch Cashback CardOngoing net / year: AED 3,586.05
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 TouchPoints Platinum CardOngoing net / year: Not estimated
Emirates Islamic Switch Cashback CardOngoing net / year: AED 2,686.05
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 TouchPoints Platinum Card: benefit conditions and official sources
Perks and exclusions
Lounges: 3 complimentary visits per year via Visa Airport Companion for cardholder; extra visits or guests USD 32. Supplementary cards register separately.
Cinema: VOX buy-one-get-one, up to 4 free tickets per month per card; eligible ticket categories and current bank terms apply.
Points can be redeemed in several ways, with redemption value depending on the option. Published examples are not treated as a guaranteed cash rate.
Bank FX component is 2.99%; Visa scheme processing charges are additional (the tariff describes approximately 1.15%).
Emirates Islamic Switch Cashback Card: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion access is available. Confirm the current visit allowance and activation requirements.
Cinema: Get two buy-one-get-one-free tickets per month, subject to the spending requirement.
The 8% rate applies to domestic fuel, not dining. Select Lifestyle or Travel mode; the two sets of accelerated categories cannot be combined. The verified page does not publish a minimum salary. Statement credit redemption starts at AED 300, and rewards expire after 24 months.
Salary floor remains unverified; preserve null.
Direct merchant utility/telecom payments can earn 0.5%; the generic Utilities bucket is zero to avoid assuming a qualifying channel.
Statement credit redemption starts at AED 300; reward expiry 24 months. A minimum annual redemption threshold is optional conservative treatment, but do not imply the monthly gate resets accumulated balance.
