CBD Al Islami Super Saver Signature vs Emirates Islamic Emarati
CBD Al Islami Super Saver Signature: Cashback with eligible groceries spending. Emirates Islamic Emarati: EI SmartMiles with eligible international spend 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.
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 1,663.2 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
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: 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.
Emirates Islamic Emarati 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.
EI SmartMiles value uses bank's explicit 1 fils per mile example. Reduced merchant and UK/EEA rates apply. Utility payments via EI banking channels excluded; QSR rate used conservatively across Dining. Monthly eligible spend cannot exceed assigned credit limit.
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
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
Emirates Islamic EmaratiOngoing net / year: AED 355.8
Emirates Islamic Emarati has the higher ongoing modelled value by AED 127.8 a year on this AED 3,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 2,880
Emirates Islamic EmaratiOngoing net / year: AED 1,216.8
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 1,663.2 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
Emirates Islamic EmaratiOngoing net / year: AED 2,113.8
Emirates Islamic Emarati has the higher ongoing modelled value by AED 1,333.8 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
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.
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.
Emirates Islamic Emarati: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: The Roxy buy-one-get-one-free offer is subject to a spending requirement.
The card is exclusively for UAE nationals. The current AED 1,000 welcome offer requires AED 15,000 spending within 60 days. It applies to cards sourced from 1 September to 31 October 2026 and approved by 10 November 2026.
Insurance and auto dealers have separate reduced schedules; do not include them in generic Other.
Keep unverified salary null. Welcome miles / nationality campaign not assumed.
