Shukran ADCB vs CBD Al Islami Super Saver Signature
Shukran ADCB: Shukrans with eligible groceries spending. CBD Al Islami Super Saver Signature: Cashback with eligible groceries 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.
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 2,122.5 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 2026-11-04; 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.
CBD Al Islami Super Saver Signature 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.
Standard Islamic Super Saver renewal annual fee is AED 420 including VAT, with first year free per the linked KFS. The current Islamic tariff separately identifies AED 840 for applications before 29 February 2020. That older issued cohort is not a universal new-card fee. Confirm migrated / issued cohort and any renewal waiver; none is inferred automatically.
Partial forecast for direct bills, education, supermarket and fuel transactions under the bank’s published monthly tiers. Telecom shares the bills cap but is excluded from this forecast. Insurance, bank-channel payments, aggregators, instalments and other excluded transactions must not be entered as eligible retail. Earning is limited by the approved credit limit. No unverified renewal waiver is assumed.
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
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 184.5 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.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 2,880
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 2,122.5 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.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
Shukran ADCB has the higher ongoing modelled value by AED 487.5 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.
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.
CBD Al Islami Super Saver Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Airport lounge access is advertised. Current Visa Signature and CBD lounge terms determine the visit allowance and activation conditions.
Cinema: No current offer verified.
This is the Islamic Super Saver Visa Signature, distinct from the conventional card. The first year is free; the standard annual fee from year two is AED 420 including VAT. Confirm the renewal waiver and salary eligibility with CBD.
Eligible Bills, Education, Supermarket and Fuel spending earns 3% when total monthly spending reaches AED 3,000, 5% at AED 10,000 and 10% at AED 20,000. Per-category caps are AED 75, AED 100 and AED 150 respectively; total monthly caps are AED 300, AED 400 and AED 600.
Other retail earns no cashback. Direct merchant payments are required; bank channels, payment aggregators, cash, instalments and bank fees are excluded. Rewards are limited by the credit limit. Minimum redemption is AED 50 and cashback expires after 12 months.
The monthly profit rate is 3.45%. The international transaction bank fee is 2.75% plus scheme processing charges. Cinema and valet benefits for this card were discontinued from 9 May 2025.
Standard Islamic Super Saver renewal annual fee is AED 420 including VAT, with first year free per the linked KFS. The current Islamic tariff separately identifies AED 840 for applications before 29 February 2020. That older issued cohort is not a universal new-card fee. Confirm migrated / issued cohort and any renewal waiver; none is inferred automatically.
