CBD Al Islami Super Saver Signature vs HSBC Advance
CBD Al Islami Super Saver Signature: Cashback with eligible groceries spending. HSBC Advance: HSBC Points 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.
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: 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.
HSBC Advance assumptions
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.
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
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
HSBC AdvanceOngoing net / year: Not estimated
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.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 2,880
HSBC AdvanceOngoing net / year: Not estimated
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.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
HSBC AdvanceOngoing net / year: Not estimated
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.
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.
HSBC Advance: benefit conditions and official sources
Perks and exclusions
Lounges: Four complimentary visits a year through Mastercard Travel Pass; cross-border spending of at least USD 1 every three months is required. Guests cost USD 32 each.
Cinema: Buy 1 Get 1 cinema offers, up to two complimentary tickets a month; AED 6,000 calendar-month spending and participating cinema terms apply.
An HSBC Advance Account is required. Applicants must live in the UAE and be aged 18–65; a salary alone does not establish eligibility. No annual card fee applies.
Earn 1 HSBC Point per AED 1 of eligible retail spending. General programme exclusions and redemption terms apply.
Airport lounge access provides four complimentary visits a year through Mastercard Travel Pass. A cross-border transaction of at least USD 1 is required every three months; guests cost USD 32 each.
Cinema benefits provide up to two complimentary tickets a month under Buy 1 Get 1 offers at participating cinemas, subject to AED 6,000 calendar-month spending. The standard rate is 44.28% APR, equivalent to 3.69% monthly before any overdue uplift.
