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SAME SPENDING · TRANSPARENT MATHS

ADIB Cashback vs Commercial Bank International World Elite Exclusive

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Cashback, Etihad Platinum and Etihad Infinite official product pages, KFS and tariff reviewed do not publish these claimed salary floors.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
World Elite Exclusive Mastercard — official bank artwork

World Elite Exclusive Mastercard

Minimum salary
Confirm with bank
Annual fee
AED 15,750
First-year net
Not estimated
Ongoing annual net
Not estimated
Bank FX fee
Unverified
Reward programme
Other rewards

No standard waiver verified.

Important conditions

CBI Rewards earn depends on tier, transaction size and optional accelerator. A fixed AED cash-redemption rate was not verified.

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

Mastercard Travel Pass benefits are published; verify this tier’s complimentary visit and activation terms.

No cinema offer verified.

Official Commercial Bank International 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.

Compare your actual salary and spending

Review all assumptions and reward valuations

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