Ajman Bank LIFE World Cashback: Cashback with eligible dining spending. CBD Yes Rewards: Yes 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.
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-10-31; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Conditional welcome and campaign value included: AED 1,000. 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 600 + 5% VAT = AED 630. First-year fee waiver requires AED 5,000 retail spend within 60 days of issuance. An ongoing annual renewal waiver is not established.
Uses statement-cycle gate, separate dining/foreign caps and shared other-retail cap for Platinum. Government, insurance and instalment purchases are excluded. No assumption that every online shop qualifies for merchant-specific 10%.
CBD Yes Rewards assumptions
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 waiver assumes at least AED 12,000 qualifying spend in the preceding card year.
The first year is free. Subsequent fees are waived with annual spending over AED 12,000.
Conservative ordinary-retail model uses 1 Yes point/AED and verified AED 0.01/point restricted ENOC value. Excluded MCCs earn zero; ENOC/EPPCO 3%–15% fuel boosts are excluded until users identify eligible merchant spend.
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
Ajman Bank LIFE World CashbackOngoing net / year: -AED 630.00
CBD Yes RewardsOngoing net / year: AED 84
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
Ajman Bank LIFE World CashbackOngoing net / year: AED 1,710
CBD Yes RewardsOngoing net / year: AED 300
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
Ajman Bank LIFE World CashbackOngoing net / year: AED 2,250
CBD Yes RewardsOngoing net / year: AED 600
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
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.
Ajman Bank LIFE World Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: Platinum page mentions 25+ regional lounges. World tier travel rules to be confirmed.
Cinema: No current offer verified.
Official product page salary criterion AED 10,000.
Platinum monthly caps: merchant 50/dining 50/snacks 50/other 50; World merchant 100/dining 100/foreign 100/snacks 100; World other retail 1% beyond these caps.
April 2026 terms expressly include restaurant MCCs 5811/5812/5814/7011, so QSR belongs in the dining rate; no need to exclude all Dining.
Utilities are conservatively zero because government-coded payments are excluded.
Monthly period is statement cycle 11th to 10th, not calendar month. Assume steady spending each cycle.
Do not sum the separate 50% refreshments benefit into Dining; it refers to cinema/entertainment MCCs 7832/7929/7911.
Bank foreign-currency processing margin includes 5% VAT in the displayed percentage. Visa/Mastercard scheme processing and exchange-rate effects can be additional.
New LIFE World welcome cashback AED 1,000 requires AED 10,000 qualifying purchases within 60 days of issuance. The model assumes the published new-customer offer applies; confirm it in your issued offer. Excluded financing, instalment, reversal and refund transactions do not count.
CBD Yes Rewards: benefit conditions and official sources
Perks and exclusions
Lounges: 8 visits a year through Visa Airport Companion, subject to activation conditions.
Cinema: No current offer verified.
CBD lists Yes Rewards under Discontinued Cards.
ENOC and EPPCO rewards must not be applied to fuel spending at every UAE station.
Monthly reward tiers depend on total spend: below AED 2,500; AED 2,500–9,999; and over AED 10,000. Monthly caps are AED 75, AED 125 and AED 175 respectively.
The annual fee of AED 199 before VAT becomes AED 208.95. Yes points require a separate redemption model.
20,000 Yes points are worth AED 200 under the bank product page. Rewards are restricted to ENOC/EPPCO services and programme options; not statement cashback.
The exclusion table includes restaurant MCCs 5811–5814 even though the heading calls them quick-service restaurants. Generic Dining therefore earns zero in this baseline.
Groceries, education, government/utility/telecom, ordinary fuel, insurance, real estate/rent and car dealerships earn no ordinary Yes points.
Eligible ENOC/EPPCO receives 3% up to AED 75 below AED 2,500 total monthly spend; 10% up to AED 125 at AED 2,500–9,999; 15% up to AED 175 above AED 10,000. The exact AED 10,000 boundary is ambiguous on current table, so this boost is excluded.
