ADIB Booking.com Signature vs CBD Al Islami Super Saver Signature
ADIB Booking.com Signature: ADIB Exceed Rewards with eligible international spend 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 2,473.95 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 2026-10-25; 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.
No ongoing waiver verified.
Verified Exceed conversion is AED 2 per point: ordinary domestic 1%, international 2%, specified merchants/EEA 0.25% in restricted redemption value. Airline acceleration is excluded because the form has no separate airline spend or per-transaction input.
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.
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
ADIB Booking.com SignatureOngoing net / year: AED -115.95
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 343.95 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 Booking.com SignatureOngoing net / year: AED 406.05
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 2,473.95 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 Booking.com SignatureOngoing net / year: AED 1,006.05
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
ADIB Booking.com Signature has the higher ongoing modelled value by AED 226.05 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.
ADIB Booking.com Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Global lounge access through Visa Airport Companion; registration and activation requirements apply.
Cinema: No current offer verified.
The current Visa Signature product appears in the active catalogue. The discontinued catalogue also contains an older Booking Signature product and Booking Infinite; these should not be treated as the same current offer.
The annual fee is AED 299 plus 5% VAT. A published salary floor was not verified.
ADIB Exceed Rewards must use a separate verified conversion; they are unrelated to ADCB TouchPoints.
One Exceed reward is worth AED 2 under the official 15 April 2024 migration notice; do not use ADCB TouchPoints or 1 AED/point.
Bank terms section 25 applies to new Booking.com Signature cards issued from 18 December 2023. Earn is capped by the covered card limit each statement.
The 5% airline equivalent has a separate AED 100 redemption-value cap per transaction and AED 300 monthly cap; no airline boost is applied to general online or international spend.
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.
