Emirates NBD Duo: Family bills for eligible Abu Dhabi residents. FAB Travel: FAB Rewards with eligible groceries 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.
Compare
Emirates NBD Duo
FAB Travel
Minimum monthly salary
AED 12,000
AED 20,000
Modelled fees · first year
AED 0
AED 1,575
Modelled fees · ongoing year
AED 840
AED 1,575
Estimated first-year net
AED 2,880
-AED 1,224.70
Estimated ongoing net / year
AED 2,040
-AED 1,224.70
Reward redemption model
Cash / statement redemption model
Cash / statement redemption model
Bank FX charge
1.99%; scheme charges may apply
0%; scheme charges may apply
Earning spend gate
AED 5,000 eligible monthly spend; lower rates can apply below the gate
Category and programme conditions apply
Emirates NBD Duo has the higher ongoing modelled value by AED 3,264.7 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 2026-11-04; 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.
Renewal uses the generic AED 840 tariff conservatively: the current no-fee offer is not verified as permanent. Confirm your issued terms.
Current bank offer: AED 0 annual fee. The standard tariff is AED 840; the ongoing forecast deducts this conservatively because a permanent renewal waiver is not established. Confirm the fee terms issued to you.
Cash redemption model uses AED 0.75 per Plus Point. Electronics-specific earning cannot be isolated in the generic shopping category; approved credit-limit and merchant classifications apply.
FAB Travel 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.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Verified ordinary domestic-spend baseline. International general retail earns no rewards. Hotel and airline acceleration and the free-flight benefit are excluded. Dining uses the lower fast-food rate. The lower 562,500-point cap in card-specific terms is used where the master programme lists 601,200 points. Cash value uses the official calculator conversion.
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
Emirates NBD DuoOngoing net / year: -AED 543.00
FAB TravelOngoing net / year: -AED 1,458.23
Neither ongoing estimate is positive on this budget. Modelled fees exceed or absorb the rewards; check whether any unpriced benefits justify the cost before shortlisting either card.
Emirates NBD Duo has the higher ongoing modelled value by AED 3,264.7 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.
Emirates NBD Duo has the higher ongoing modelled value by AED 1,635.72 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.
Emirates NBD Duo: benefit conditions and official sources
Perks and exclusions
Lounges: Complimentary lounge access; check each card network
Cinema: Buy 1 Get 1 at Cine Royal Cinemas with Diners card; up to 3 free tickets monthly
Package contains a Mastercard Platinum and a Diners Club card.
5% Plus Points requires AED 5,000 statement spend; otherwise selected categories earn 1.5% Plus Points. Total capped at 500 Plus Points per statement.
Cashback redemption is AED 0.75 per Plus Point, minimum 500 points and AED 375 card balance. Certain other redemption channels give AED 1 per point.
Diners Cine Royal offer: up to three free tickets monthly, eligible online/app bookings and minimum-spend conditions; AED 125 + VAT service fee may apply below the spend condition.
Golf is conditional: product page advertises access; processing AED 30 and no-show/under-spend charges apply. Confirm Diners versus Mastercard entitlement in the booking portal.
Valet parking and airport transfers discontinued 5 April 2025.
ENBD bank FX fee 1.99% is additional to approximately 1.15% scheme processing and any acquirer markup.
FAB Travel: benefit conditions and official sources
Perks and exclusions
Lounges: 14 lounge entries per calendar year shared between the cardholder and first accompanying guest; each person’s entry consumes the pool. A second guest has up to six conditional entries with AED 5,000 monthly spend. Mastercard registration and qualifying USD 1 foreign-purchase rules apply; supplementary cards activate separately.
Cinema: Up to 4 standard 2D tickets per calendar month at AED 20 at participating Reel, Cine Royal and Star cinemas, requiring AED 5,000 monthly spend. Supplementary purchases share the limit. Failed spending qualification or excess tickets are charged at full price in the following statement. Cinema/channel exclusions apply.
The current fee schedule confirms a 0% international transaction fee covering both bank and scheme charges. The anniversary flight requires AED 300,000 spending in the preceding year; the joining flight requires payment of the annual fee. Exact qualifying travel categories and the FAB Rewards conversion must be confirmed before a net rewards estimate can be provided.
Up to 4 standard 2D tickets per calendar month at AED 20 at participating Reel, Cine Royal and Star cinemas, requiring AED 5,000 monthly spend. Supplementary purchases share the limit. Failed spending qualification or excess tickets are charged at full price in the following statement. Cinema/channel exclusions apply.
International transaction fee: 0% bank and scheme components under the exact FAB Travel-card terms. Merchant DCC, exchange-rate effects and other charges remain separate. FAB Z has a different scheme-fee treatment.
14 lounge entries per calendar year shared between the cardholder and first accompanying guest; each person’s entry consumes the pool. A second guest has up to six conditional entries with AED 5,000 monthly spend. Mastercard registration and qualifying USD 1 foreign-purchase rules apply; supplementary cards activate separately.
