Shukran ADCB: Shukrans with eligible groceries spending. ADIB Cashback: Islamic cashback on eligible household bills. 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.
Compare
Shukran ADCB
ADIB Cashback
Minimum monthly salary
Confirm with bank
Confirm with bank
Modelled fees · first year
AED 0
AED 103.95
Modelled fees · ongoing year
AED 262.5
AED 103.95
Estimated first-year net
AED 1,020
AED 3,496.05
Estimated ongoing net / year
AED 757.5
AED 3,496.05
Reward redemption model
Restricted points or miles value
Cash / statement redemption model
Bank FX charge
2.99%; scheme charges may apply
2.415%; scheme charges may apply
Earning spend gate
Category and programme conditions apply
Category and programme conditions apply
ADIB Cashback has the higher ongoing modelled value by AED 2,738.55 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 2026-11-04; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
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.
Ordinary resident renewal fee AED 262.50 including VAT; first year waived. UAE-national entitlement is unresolved: the product advertises no annual fee ever, while the September 2026 tariff names Emirati/Emirati Excellency segment exemptions. Confirm the assigned package and issued written fee terms.
Models the bank's published 1.5% general and 0.5% reduced-category Shukrans face value. Rewards spend only at participating UAE Shukran brands. Generic utility payments and conditional new-to-bank welcome rewards are excluded.
ADIB 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.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Category caps, exclusions and redemption rules in the full review apply.
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
Shukran ADCBOngoing net / year: AED 43.5
ADIB CashbackOngoing net / year: AED 1,000.05
ADIB Cashback has the higher ongoing modelled value by AED 956.55 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.
ADIB Cashback has the higher ongoing modelled value by AED 2,738.55 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.
ADIB Cashback has the higher ongoing modelled value by AED 1,028.55 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.
Shukran ADCB: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: Get two buy-one-get-one-free Reel tickets per month through 31 December 2026.
After spending AED 8,000 in the first 60 days, the welcome reward is AED 1,200 for new UAE-national customers, AED 1,000 for new resident customers, or AED 200 for existing customers, paid as Shukrans. The AED 1,200 offer does not apply to every applicant.
10% brand earning can be represented as 2 Shukrans per AED only for the named participating Landmark merchants.
Welcome levels are AED 1,200 new national / AED 1,000 new resident / AED 200 existing, after AED 8,000 in 60 days; select correct customer qualification before modelling.
Ordinary resident renewal fee AED 262.50 including VAT; first year waived. UAE-national entitlement is unresolved: the product advertises no annual fee ever, while the September 2026 tariff names Emirati/Emirati Excellency segment exemptions. Confirm the assigned package and issued written fee terms.
Shukrans are restricted rewards, not cash. Card-earned Shukrans expire no later than one year after credit, subject to supplier amendments/account notices. Monthly eligible earning spend limited to assigned credit limit. Credit normally first week after billed calendar month. Refunds, default, closure or membership errors can reduce/prevent credit; check each expiry entry.
ADIB Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: No current offer verified.
Annual fee AED 99 plus 5% VAT = AED 103.95.
No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.
Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.
Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.
Non-AED bank component 2.415% including VAT; scheme charges additional. Overseas-AED service component 2.8875% including VAT includes the stated Visa component, so do not add it twice. October 2026 tariff scope and legacy / self-funded qualifications apply.
