Shukran ADCB: Shukrans with eligible groceries spending. Ajman Bank LIFE World Cashback: Cashback with eligible dining 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.
Ajman Bank LIFE World Cashback has the higher ongoing modelled value by AED 952.5 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 2026-10-29; 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.
The card is free for life for UAE nationals. Other residents receive the first year free, followed by an AED 262.50 annual fee including VAT.
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.
Ajman Bank LIFE World Cashback assumptions
Conditional welcome and campaign value included: AED 1,000. 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.
AED 600 + 5% VAT = AED 630. First-year fee waiver requires AED 5,000 retail spend within 60 days of issuance. An ongoing annual renewal waiver is not established.
Uses statement-cycle gate, separate dining/foreign caps and shared other-retail cap for Platinum. Government, insurance and instalment purchases are excluded. No assumption that every online shop qualifies for merchant-specific 10%.
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
Ajman Bank LIFE World CashbackOngoing net / year: -AED 630.00
Shukran ADCB has the higher ongoing modelled value by AED 673.5 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.
Ajman Bank LIFE World CashbackOngoing net / year: AED 1,710
Ajman Bank LIFE World Cashback has the higher ongoing modelled value by AED 952.5 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.
Ajman Bank LIFE World CashbackOngoing net / year: AED 2,250
Ajman Bank LIFE World Cashback has the higher ongoing modelled value by AED 982.5 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.
UAE national renewal fee exemption is not assumed; ordinary resident annual fee AED 262.50 from year two.
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.
Ajman Bank LIFE World Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: Platinum page mentions 25+ regional lounges. World tier travel rules to be confirmed.
Cinema: No current offer verified.
Official product page salary criterion AED 10,000.
Platinum monthly caps: merchant 50/dining 50/snacks 50/other 50; World merchant 100/dining 100/foreign 100/snacks 100; World other retail 1% beyond these caps.
April 2026 terms expressly include restaurant MCCs 5811/5812/5814/7011, so QSR belongs in the dining rate; no need to exclude all Dining.
Utilities are conservatively zero because government-coded payments are excluded.
Monthly period is statement cycle 11th to 10th, not calendar month. Assume steady spending each cycle.
Do not sum the separate 50% refreshments benefit into Dining; it refers to cinema/entertainment MCCs 7832/7929/7911.
Bank foreign-currency processing margin includes 5% VAT in the displayed percentage. Visa/Mastercard scheme processing and exchange-rate effects can be additional.
New LIFE World welcome cashback AED 1,000 requires AED 10,000 qualifying purchases within 60 days of issuance. The model assumes the published new-customer offer applies; confirm it in your issued offer. Excluded financing, instalment, reversal and refund transactions do not count.
