ADIB Smiles Signature: Smiles Points under the published conditions. Emirates NBD Duo: Family bills for eligible Abu Dhabi residents. Start with eligibility, reward use and total recurring cost.
Smiles Points under the published conditions
Published minimum salary: AED 20,000 / month
AED rewards not estimated · Reward value unconfirmed
Family bills for eligible Abu Dhabi residents
Published minimum salary: AED 12,000 / month
Abu Dhabi residency required.
Partial reward estimate · Cash / statement redemption model
Carrying a balance? Interest or profit charges can outweigh rewards. Check repayment costs before choosing a rewards card.
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 Smiles Signature | Emirates NBD Duo |
|---|---|---|
| Minimum monthly salary | AED 20,000 | AED 12,000 |
| Modelled fees · first year | AED 1,258.95 | AED 0 |
| Modelled fees · ongoing year | AED 1,258.95 | AED 840 |
| Estimated first-year net | Not estimated | AED 2,880 |
| Estimated ongoing net / year | Not estimated | AED 2,040 |
| Reward redemption model | Reward value unconfirmed | Cash / statement redemption model |
| Bank FX charge | 2.415%; scheme charges may apply | 1.99%; scheme charges may apply |
| Earning spend gate | Category and programme conditions apply | AED 5,000 eligible monthly spend; lower rates can apply below the gate |
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 2026-11-04; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Monthly budget: Groceries: AED 2,500; School Fees: AED 1,500; Utilities: AED 1,000; Dining: AED 1,500; Fuel: AED 1,000; Online Shopping: AED 1,000; International Spend: AED 500; Other: AED 1,000.
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 1199 plusVAT; no recurring waiver verified.
Current official Smiles rules offer variable merchant redemptions and explicitly allow required points to change. No single current published fixed AED-per-point redemption verified; do not infer 0.01 from the trade-in accrual rate or 0.008 from competitors.
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.
Renewal uses the generic AED 840 tariff conservatively: the current no-fee offer is not verified as permanent. Confirm your issued terms.
Current bank offer: AED 0 annual fee. The standard tariff is AED 840; the ongoing forecast deducts this conservatively because a permanent renewal waiver is not established. Confirm the fee terms issued to you.
Cash redemption model uses AED 0.75 per Plus Point. Electronics-specific earning cannot be isolated in the generic shopping category; approved credit-limit and merchant classifications apply.
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.
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.
Groceries: AED 1,000; School Fees: AED 0; Utilities: AED 300; Dining: AED 500; Fuel: AED 500; Online Shopping: AED 200; International Spend: AED 0; Other: AED 500.
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.
Groceries: AED 2,500; School Fees: AED 1,500; Utilities: AED 1,000; Dining: AED 1,500; Fuel: AED 1,000; Online Shopping: AED 1,000; International Spend: AED 500; Other: AED 1,000.
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.
Groceries: AED 1,000; School Fees: AED 0; Utilities: AED 500; Dining: AED 3,000; Fuel: AED 500; Online Shopping: AED 1,000; International Spend: AED 2,500; Other: AED 1,500.
The selector can check published eligibility and compare first-year with ongoing value for your profile.
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.
Product terms reviewed 2026-10-22.
Product terms reviewed 2026-10-18.
Read the reward calculation methodology · Browse practical UAE card comparisons