Marriott Bonvoy ADIB Signature vs Emirates Islamic Switch Cashback Card

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 Signature

Minimum salary

Confirm with bank

Annual fee

AED 523.95

First-year net

AED 109.13

Ongoing annual net

AED 109.13

Bank FX fee

Unverified

Reward programme

Marriott Bonvoy

No ongoing waiver verified.

Important conditions

Verified ordinary Bonvoy earn rates and specified-merchant reductions; monetary forecast retains the existing illustrative AED 0.025/Bonvoy point hotel-redemption assumption, not a fixed cash rate. Marriott hotel acceleration, Free Night Awards and welcome points are excluded from this baseline.

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

Emirates Islamic Switch Cashback Card

Minimum salary

Confirm with bank

Annual fee

AED 313.95

First-year net

AED 3,900

Ongoing annual net

AED 3,586.05

Bank FX fee

Unverified

Reward programme

Cashback

The first year is free. The ongoing fee is waived after AED 30,000 annual qualifying purchases; otherwise AED 313.95 including VAT applies.

Important conditions

Estimates Lifestyle mode only: 4% groceries/dining/education capped AED 200 each, 8% domestic fuel capped AED 100. AED 2,500 calendar-month gate. Travel mode cannot be stacked. Utility banking-channel payments are excluded.

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

Visa Airport Companion access is available. Confirm the current visit allowance and activation requirements.

Get two buy-one-get-one-free tickets per month, subject to the spending requirement.

Official Emirates Islamic 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