American Express UAE American Express Gold — Moneyback vs CBD Al Islami Super Saver Signature
American Express UAE American Express Gold — Moneyback: Cashback under the published conditions. CBD Al Islami Super Saver Signature: Cashback with eligible groceries spending. 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.
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American Express UAE American Express Gold — Moneyback
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 2026-10-25; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
American Express UAE American Express Gold — Moneyback 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.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
No standard annual-fee waiver verified.
Moneyback is capped by the assigned monthly credit limit; requires a credit-limit input for an exact estimate.
CBD Al Islami Super Saver Signature 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.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Partial forecast for direct bills, education, supermarket and fuel transactions under the bank’s published monthly tiers. Telecom shares the bills cap but is excluded from this forecast. Insurance, bank-channel payments, aggregators, instalments and other excluded transactions must not be entered as eligible retail. Earning is limited by the approved credit limit. No unverified renewal waiver is assumed.
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
American Express UAE American Express Gold — MoneybackOngoing net / year: AED 50.25
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
American Express UAE American Express Gold — MoneybackOngoing net / year: AED 890.25
CBD Al Islami Super Saver SignatureOngoing net / year: AED 2,880
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
American Express UAE American Express Gold — MoneybackOngoing net / year: AED 890.25
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
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.
American Express UAE American Express Gold — Moneyback: benefit conditions and official sources
The current official UAE catalogue marks Moneyback Gold as a servicing product rather than an active acquisition card.
Current public page states AED 309.75 annual fee. A product salary criterion was not visible in its eligibility data; do not copy the other Gold variant’s floor.
The bank markets separate Membership Rewards and Moneyback commercial variants with different fees. Their official pages use the same physical card design.
The issuer markets this as a separately priced Moneyback variant; its official artwork shares the Gold Credit Card design.
CBD Al Islami Super Saver Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Airport lounge access is advertised. Current Visa Signature and CBD lounge terms determine the visit allowance and activation conditions.
Cinema: No current offer verified.
This is the Islamic Super Saver Visa Signature, distinct from the conventional card. The first year is free; the standard annual fee from year two is AED 420 including VAT. Confirm the renewal waiver and salary eligibility with CBD.
Eligible Bills, Education, Supermarket and Fuel spending earns 3% when total monthly spending reaches AED 3,000, 5% at AED 10,000 and 10% at AED 20,000. Per-category caps are AED 75, AED 100 and AED 150 respectively; total monthly caps are AED 300, AED 400 and AED 600.
Other retail earns no cashback. Direct merchant payments are required; bank channels, payment aggregators, cash, instalments and bank fees are excluded. Rewards are limited by the credit limit. Minimum redemption is AED 50 and cashback expires after 12 months.
The monthly profit rate is 3.45%. The international transaction bank fee is 2.75% plus scheme processing charges. Cinema and valet benefits for this card were discontinued from 9 May 2025.
