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SAME SPENDING · TRANSPARENT MATHS

ADIB Cashback vs American Express UAE American Express Gold — Moneyback

Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.

ADIB Cashback Visa Covered Card — official bank artwork

ADIB Cashback Visa Covered Card

Minimum salary
Confirm with bank
Annual fee
AED 103.95
First-year net
AED 3,496.05
Ongoing annual net
AED 3,496.05
Bank FX fee
2.415%; scheme charges may apply
Reward programme
Cashback

Important conditions

Cashback, Etihad Platinum and Etihad Infinite official product pages, KFS and tariff reviewed do not publish these claimed salary floors. Do not overwrite unknown with competitor estimates.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

No complimentary access verified

No cinema offer verified.

Official ADIB terms · reviewed 2026-10-22
American Express Gold Credit Card — Moneyback — official bank artwork

American Express Gold Credit Card — Moneyback

Minimum salary
Confirm with bank
Annual fee
AED 309.75
First-year net
AED 890.25
Ongoing annual net
AED 890.25
Bank FX fee
Unverified
Reward programme
Cashback

No standard annual-fee waiver verified.

Important conditions

Moneyback is capped by the assigned monthly credit limit; requires a credit-limit input for an exact estimate.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

Priority Pass: 5 complimentary annual visits; accompanying guest and supplementary-card terms apply.

No cinema offer verified.

Official American Express UAE terms · reviewed 2026-10-22

Which card fits your own spending?

A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.

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Review all assumptions and reward valuations

YOUR SHORTLIST

A clearer side-by-side view.

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