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SAME SPENDING · TRANSPARENT MATHS

ADIB Cashback vs Mashreq Al Islami Platinum Elite

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Cashback, Etihad Platinum and Etihad Infinite official product pages, KFS and tariff reviewed do not publish these claimed salary floors.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
Mashreq Al Islami Platinum Elite Credit Card — official bank artwork

Mashreq Al Islami Platinum Elite Credit Card

Minimum salary
Confirm with bank
Annual fee
AED 682.5
First-year net
AED -106.18
Ongoing annual net
AED -106.18
Bank FX fee
2.89%; scheme charges may apply
Reward programme
Mashreq Vantage

No ongoing waiver verified.

Important conditions

Partial rewards model: Earn Mashreq Vantage points, with accelerated dining, supermarket and foreign-currency rates and lower specified-category rates. Merchant exclusions, caps and scheme conditions apply.

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

8 complimentary lounge visits per year, at most 2 per billing month, after AED 7,000 spend in the previous billing cycle.

50% off 4 tickets monthly at VOX, Reel and Novo. Cinepolis offers up to 8 tickets monthly until 31 December 2026.

Official Mashreq 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

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