CBD Al Islami Super Saver Signature vs Standard Chartered Simply Cash
CBD Al Islami Super Saver Signature: Cashback with eligible groceries spending. Standard Chartered Simply Cash: Cashback 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.
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.
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.
Standard Chartered Simply Cash 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 9,000 qualifying spend in the preceding card year.
Existing-client estimate assumes direct eligible retail payments, not instalmentplans. Airline booking has no separate input; network costs and personal creditlimit excluded.
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
Standard Chartered Simply CashOngoing net / year: AED 360
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 2,880
Standard Chartered Simply CashOngoing net / year: AED 1,260
One of these records is for existing customers. It is not a current-application recommendation; check availability before comparing an acquisition-year estimate.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
Standard Chartered Simply CashOngoing net / year: AED 1,500
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.
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.
Standard Chartered Simply Cash: benefit conditions and official sources
Perks and exclusions
Lounges: Eight annual Visa Airport Companion visits. First visit is free; later visits require an international purchase equivalent to at least one US currency unit, at least15days before travel.
Cinema: Buy 1 Get 1 at VOX & Reel Cinemas
Existing customers only. The published annual fee is AED 525, with a first-year waiver and later waiver after AED 9,000 annual spend.
Eligible domestic general retail earns 1%; foreign currency and direct airline purchases earn 2%. Specified government, insurance, housing and car-dealership MCCs earn 0.2%. Instalment plans, including school-fee payment plans, are excluded.
The model assumes direct merchant payments for education, utilities and fuel. Rewards do not accrue above the assigned credit limit.
Retail finance charge is 3.69% monthly; cash is 3.75%. Foreign transaction charge is published as up to 2.99%, with network conversion separate. Confirm your assigned charge.
