Bank of Sharjah Gold vs CBD Al Islami Super Saver Signature
Bank of Sharjah Gold: Other rewards 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.
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 2026-10-25; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
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 472.5 annual fee plus separateAED 367.5 joining fee, including 5%VAT for the AED-denominated card. USD-denominated fees differ; no duplicate USD record added.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
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
Bank of Sharjah GoldOngoing net / year: Not estimated
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
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.
Bank of Sharjah GoldOngoing net / year: Not estimated
CBD Al Islami Super Saver SignatureOngoing net / year: AED 2,880
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.
Bank of Sharjah GoldOngoing net / year: Not estimated
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
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.
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.
Bank of Sharjah Gold: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary airport lounge entitlement established in the reviewed product sources.
Cinema: No current offer verified.
This is a deposit-backed relationship product, not an unsecured salary-only recommendation. TheKFS requires collateral fixed deposit three times the monthly card limit.
The bank expects transactions to be settled in full. KFS says a 15% charge applies to deficit recorded in a servicing current account; a conventional monthly credit-card interest rate is not established, so none is invented.
YOUR Privilege loyalty points and merchant offers are listed, but earning rates/cash redemption are not established. No annual reward estimate.
Official packshot is small (approximately 70 pxwide); original is retained rather than inventing artwork.
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.
