ADCB TouchPoints Platinum vs CBD Al Islami Super Saver Signature
ADCB TouchPoints Platinum: 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.
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 2,809.2 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.
Reduced supermarket, QSR, education and fuel rates apply. Includes published monthly TouchPoints bonus at the spending gate; uses conservative bill-payment redemption. Generic utility payments are excluded until channel classification is confirmed.
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 PlatinumOngoing net / year: -AED 562.80
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 790.8 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 PlatinumOngoing net / year: AED 70.8
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 2,809.2 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 PlatinumOngoing net / year: AED 171.6
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 608.4 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 Platinum: benefit conditions and official sources
Perks and exclusions
Lounges: Mastercard Platinum: Four complimentary Mastercard Travel Pass visits; reset period and pooling unestablished by exact product page. Register each card separately. First visit has a spend exception; later eligibility needs USD 1 equivalent non-AED spend and lasts three months. USD 32 applies without qualification and to guests beyond entitlement. Confirm app entitlement and excess-own-visit pricing. Visa Platinum separately publishes three visits/year, supplementary registrations separate, additional visits/guests USD 32.
Cinema: Get four buy-one-get-one-free VOX tickets per month without a minimum spending requirement for the cinema offer.
The annual fee depends on the banking segment: AED 630 standard, AED 315 for Privilege, and AED 0 for Excellency. The first year is free. Points values vary by redemption; the verified utility bill redemption rate is AED 0.004 per point.
Do not mistake the monthly bonus for a one-off welcome reward.
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.
