Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.
Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Visa Airport Companion: up to eight complimentary lounge visits per calendar year; verify activation and qualifying international-spend rules.
First year free per product page. Renewal399+VAT418.95; no standard ongoing waiver verified.
Important conditions
Partial rewards model: 5% on domestic grocery, dining and fuel spending, capped at AED 150 per category monthly; 0.5% on other and foreign purchases; 0.15% on specified lower-earn merchants. Merchant exclusions, caps and scheme conditions apply.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Mastercard Travel Pass. Confirm complimentary entitlement and activation requirements in the app.
Up to 4 standard VOX tickets at AED 20 each after AED 4,000 spend in the previous month.
A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.
