CBD Super Saver Signature vs Finance House Platinum
CBD Super Saver Signature: Cashback with eligible groceries spending. Finance House Platinum: Other rewards 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.
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.
Finance House Platinum 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.
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
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 Super Saver SignatureOngoing net / year: AED 228
Finance House PlatinumOngoing 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 Super Saver SignatureOngoing net / year: AED 2,880
Finance House PlatinumOngoing 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 Super Saver SignatureOngoing net / year: AED 780
Finance House PlatinumOngoing 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 Super Saver Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion: up to eight complimentary lounge visits per calendar year; verify activation and qualifying international-spend rules.
Cinema: No current offer verified.
B.E.S.T cashback: AED 3,000–9,999.99 total monthly spend earns 3%, capped at AED 75 per category/AED 300 total; AED 10,000–19,999.99 earns 5%, capped at AED 100 per category/AED 400 total; AED 20,000+ earns 10%, capped at AED 150 per category/AED 600 total. Below AED 3,000 earns zero.
B.E.S.T is eligible water/electricity bills, school/college/university education, supermarkets and transport/fuel. Chiller, LPG, drinking-water supplies, driving classes and school uniforms/transport are excluded examples. Merchant classification and non-qualifying transactions still apply.
Annual fee AED 420 including VAT; first year free. Confirm the current annual-spend target for subsequent fee waiver before relying on it.
Linked February 2025 SOC lists finance 3.85% monthly. Its 2.99% foreign-fee row has contradictory wording on network inclusion and VAT; bank-only FX value is left unconfirmed to avoid double-counting scheme fees.
The product advertises up to AED 1,000 digital-wallet welcome bonus for applications by 5 November 2026. Full spend/crediting conditions were not retrieved; excluded from modelling.
Finance House Platinum: benefit conditions and official sources
Perks and exclusions
Lounges: The official product page lists selected regional airport lounges for Mastercard Platinum. Confirm the current participating lounges, registration, visit limits and qualification with Finance House/Mastercard; no unlimited worldwide entitlement is assumed.
Cinema: No current offer verified.
Free for life, with no principal annual or registration fee. Merchant deals through Value House and Mastercard privileges are discounts; no standard cash or points earning programme was verified.
The linked KFS lists 3.65% monthly retail interest and 3.50% cash interest, rising to 3.72% and 3.55% respectively in case of non-payment. New purchases lose the interest-free period when the previous balance is not paid in full.
The foreign-currency transaction charge is 2.85% before VAT, equivalent to 2.9925% including VAT. Any separate scheme conversion charge was not quantified in the product-specific KFS.
Balance transfers, easy cash and instalment plans have separate rates, fees and eligibility. Preferential instalment rates must not be substituted for the standard purchase rate.
