CBD Super Saver Signature: Cashback with eligible groceries spending. ruya Cashback: Cashback 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.
CBD Super Saver Signature has the higher ongoing modelled value by AED 1,080 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.
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.
ruya Cashback 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 30,000 qualifying spend in the preceding card year.
First year is free. The current April 2026 fee schedule states AED 313.95 including VAT from year two unless AED 30,000 annual spending qualifies for waiver. The linked KFS instead quotes AED 299 while describing fees as VAT-inclusive; confirm your issued fee. The current website tariff is used for the forecast.
Models 2% on eligible general retail, capped at AED 500 per billing cycle. Utilities are excluded. School fees are excluded conservatively because the monthly input does not distinguish eligible private tuition from excluded government payments. Government, telecom, cash withdrawals and instalments do not earn cashback. Unpriced perks are 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 Super Saver SignatureOngoing net / year: AED 228
ruya CashbackOngoing net / year: AED 648
ruya Cashback has the higher ongoing modelled value by AED 420 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 Super Saver SignatureOngoing net / year: AED 2,880
ruya CashbackOngoing net / year: AED 1,800
CBD Super Saver Signature has the higher ongoing modelled value by AED 1,080 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 Super Saver SignatureOngoing net / year: AED 780
ruya CashbackOngoing net / year: AED 2,280
ruya Cashback has the higher ongoing modelled value by AED 1,500 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 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.
ruya Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No current airport lounge benefit verified.
Cinema: No current offer verified.
Government, utility and telecom retail, cash withdrawals and instalment plans are excluded from cashback. Foreign-exchange conversion charges do not earn cashback.
Cashback must be redeemed through the app and is applied to unbilled purchases; it does not replace the required monthly repayment. Unredeemed rewards are forfeited when the card closes.
The current tariff quotes 3% for foreign-currency purchases and AED transactions outside the UAE. Mastercard exchange-rate effects and any additional scheme component are not fully verified.
No welcome bonus, airport lounge entitlement or cinema offer is assumed. The standard account can be free; optional account-plan fees are not required or included in this card forecast.
