ADIB Cashback: Islamic cashback on eligible household bills. Habib Bank AG Zurich Classic: Other rewards under the published conditions. 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.
Compare
ADIB Cashback
Habib Bank AG Zurich Classic
Minimum monthly salary
Unconfirmed — ask bank
Unconfirmed — ask bank
Modelled fees · first year
AED 103.95
AED 105
Modelled fees · ongoing year
AED 103.95
AED 105
Estimated first-year net
AED 3,496.05
Not estimated
Estimated ongoing net / year
AED 3,496.05
Not estimated
Reward redemption model
Cash / statement redemption model
Reward value unconfirmed
Bank FX charge
2.415%; scheme charges may apply
2.625%; scheme charges may apply
Earning spend gate
Category and programme conditions apply
Category and programme conditions apply
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
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.
Category caps, exclusions and redemption rules in the full review apply.
Habib Bank AG Zurich Classic assumptions
Conditional welcome and campaign value included: Not estimated. 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.
AED 105.00 including 5% VAT. No first-year or renewal waiver is assumed.
No recurring points or cashback earning schedule has been verified. Visa discounts and unpriced benefits are excluded from annual value estimates.
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 CashbackOngoing net / year: AED 1,000.05
Habib Bank AG Zurich ClassicOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Habib Bank AG Zurich ClassicOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Habib Bank AG Zurich ClassicOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
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 Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: No current offer verified.
Annual fee AED 99 plus 5% VAT = AED 103.95.
No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.
Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.
Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.
Habib Bank AG Zurich Classic: benefit conditions and official sources
Perks and exclusions
Lounges: No airport lounge entitlement: the current bank comparison lists LoungeKey as not applicable for this tier.
Cinema: No current offer verified.
The KFS requires repayment through the HBZ account and may require a security cheque equal to 120% of the card limit. Credit approval remains separate from business income.
The current tariff shows a 2.5% foreign-currency conversion fee plus 5% VAT on that fee: 2.625% of the transaction. It also applies to AED transactions at merchants outside the UAE; any additional scheme or exchange-rate effects are not fully verified.
Cash advances have separate charges and do not earn an assumed reward. Borrowing charges and lifestyle offers are excluded from the value model.
