ADCB TouchPoints Infinite vs CBD Al Islami Super Saver Signature
ADCB TouchPoints Infinite: ADCB TouchPoints with eligible groceries spending. CBD Al Islami Super Saver Signature: Cashback with eligible groceries spending. Start with eligibility, reward use and total recurring cost.
Utility earning in this exact product is unverified. The supplied benchmark assumed 0.2 TouchPoints/AED; another bank table concerns an unestablished Excellency cohort. The default forecast excludes that utility earning and excludes the unverified category from the bonus gate; it does not assert that all utility payments are ineligible. The supplied 7,700-point example remains illustrative only.
ADCB TouchPoints with eligible groceries spending
Suits you if
Your regular groceries spending fits the published reward categories and caps.
The listed fees fit the value you expect from your existing budget.
Skip it if
You want statement cashback rather than ADCB TouchPoints redemptions.
You need a published salary requirement; this record still needs issuer confirmation.
Salary floor unconfirmed. Ask ADCB before applying.
Partial reward estimate · Restricted points or miles value
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 3,570 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.
Partial benchmark assumes full-service dining and eligible non-UK/non-EEA general retail. Fast-food earns 0.4 TP/AED. Redemption value varies by use; verified bill redemption is 2,500 TouchPoints = AED 10. Assigned credit limit, refunds and card-standing conditions apply. Utility earning in this exact product is unverified. The supplied benchmark assumed 0.2 TouchPoints/AED; another bank table concerns an unestablished Excellency cohort. The default forecast excludes that utility earning and excludes the unverified category from the bonus gate; it does not assert that all utility payments are ineligible. The supplied 7,700-point example remains illustrative only.
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
ADCB TouchPoints InfiniteOngoing net / year: -AED 939.60
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 1,167.6 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 TouchPoints InfiniteOngoing net / year: -AED 690.00
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 3,570 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 TouchPoints InfiniteOngoing net / year: -AED 450.00
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 1,230 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 TouchPoints Infinite: benefit conditions and official sources
Perks and exclusions
Lounges: Unlimited access to 1,200+ lounges with one guest via Visa Airport Companion; qualifying rules apply.
Cinema: Buy 1 Get 1 at VOX Cinemas, up to four tickets per month.
Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.
AED 1,050 is the standard Aspire annual fee; Excellency pricing is lower. Salary or minimum-credit-limit route applies.
International model assumes eligible non-UK/non-EEA general retail. UK/EEA merchants earn 0.4 TouchPoints per AED; fast-food restaurants, supermarkets, auto dealers and insurance also earn 0.4 domestically. Selected domestic services including fuel and education earn 0.2.
Golf requires AED 5,000 monthly spend and advance booking. Expedia voucher is restricted hotel credit, not cash.
Utility earning in this exact product is unverified. The supplied benchmark assumed 0.2 TouchPoints/AED; another bank table concerns an unestablished Excellency cohort. The default forecast excludes that utility earning and excludes the unverified category from the bonus gate; it does not assert that all utility payments are ineligible. The supplied 7,700-point example remains illustrative only.
Golf requires AED 5,000 monthly spend and availability. Book up to 14 days ahead, one booking at a time, cardholder only. Cancel at least 48 hours before tee time. Late/no-show: Abu Dhabi Golf Club AED 250; Arabian Ranches AED 100 weekday/AED 200 weekend. No guaranteed cash value or unlimited-round allowance assumed.
TouchPoints generally expire three years after last day of earning month unless ADCB communicates another period. Eligible monthly earning spend cannot exceed assigned credit limit. Bank-channel bills above AED 3,500/month and other listed exclusions apply. Transaction-value rounding, refunds, status and termination can reduce/forfeit rewards. Redemption value/minimums vary by route; vouchers are not cash.
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.
