Marriott Bonvoy ADIB Infinite 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.

Marriott Bonvoy ADIB Visa Infinite

Minimum salary

Confirm with bank

Annual fee

AED 2,625

First-year net

Not estimated

Ongoing annual net

Not estimated

Bank FX fee

Unverified

Reward programme

Marriott Bonvoy

No ongoing waiver verified.

Important conditions

Reduced-category rates, welcome milestones and valuation require explicit modelling; headline maximum rates are not universal.

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

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.

Review all assumptions and reward valuations