The reviewed SHARE card baseline is 10 SHARE Points = AED 1 of eligible redemption value. That is restricted purchasing value, not cash you can automatically withdraw. Compare the actual card rate, merchant earning, expiry and redemption channel before treating a SHARE promotion as a cash discount.
Convert a reward quote into an AED amount
At the stated baseline, 2,000 SHARE Points represent AED 200 of eligible redemption. This conversion says nothing about how much spending earns those points. Read the earning denominator carefully: points per AED, points per another currency and percentage back are different claims.
| 100 points | AED 10 |
| 1,000 points | AED 100 |
| 2,000 points | AED 200 |
The examples assume the points are eligible for the stated redemption and will be used. Do not add them to a cashback percentage that already expresses their AED equivalent.
Separate the Carrefour or mall layer from the card layer
Use SHARE's programme terms to check participating brands, receipt or linked-payment requirements, exclusions and the actual offer. A retailer's membership reward may coexist with a card reward, but stacking needs both programmes to permit the same purchase.
For an original example, AED 20 of eligible merchant rewards plus AED 30 of separately earned card rewards equals AED 50 total. If the card's advertised AED 30 already includes the merchant component, adding another AED 20 would be wrong. Keep each earning line and its source distinct.
Check the bank and card version
The Emirates NBD SHARE Infinite page concerns that card's earn rules and fees. SHARE also presents other bank partnerships, including FAB products. An ENBD rate, welcome offer or salary requirement is not evidence for a FAB card, or vice versa.
See the SHARE Infinite product review for the model used here. The grocery card hub provides alternatives when you shop across several supermarket groups.
Compare rewards after annual fees and caps
Use spending you can repay and the merchants where you actually shop. A high co-brand rate is less useful if you move purchases to a more expensive store, lose another discount or hit a monthly cap. Include any fee and the value of rewards you are likely to redeem before they expire.
Compare supermarket cards against your spending
Change monthly spending to update this table. It starts at AED 10,000 a month. Fees and eligible rewards use the shared calculation engine; points use stated AED assumptions. This table does not screen your salary or predict approval.
Entered monthly total: AED 10,000. Values can be negative. Lifestyle benefits, borrowing costs and unverified reward models are excluded.
| Card review | Salary floor | First-year net | Ongoing net / year | Bank source |
|---|---|---|---|---|
| ADIB Cashback Visa Covered Card | Confirm | AED 3,496.05 | AED 3,496.05 | ADIB official termsProduct checked 2026-10-18 |
| Emirates Islamic Cashback Plus Credit Card | AED 12,000 | AED 3,300 | AED 3,300 | Emirates Islamic official termsProduct checked 2026-10-18 |
| FAB Cashback Islamic Credit Card | AED 5,000 | AED 2,861.25 | AED 3,150 | FAB official termsProduct checked 2026-10-18 |
| CBD Super Saver Visa Signature Credit Card | AED 5,000 | AED 3,300 | AED 2,880 | CBD official termsProduct checked 2026-10-18 |
| FAB Cashback Credit Card | AED 5,000 | AED 2,421.25 | AED 2,670 | FAB official termsProduct checked 2026-10-18 |
Compare the full groceries supermarkets category · First-year formula · Ongoing-value formula · Personalise the UAE rewards calculator
Inspect transfers rather than assuming a universal value
Smiles Rewards Exchange identifies supported programme exchange options. A transfer rate can differ from direct SHARE redemption and may be one-way. Compare the points surrendered with the amount of genuine spending the destination reward replaces, not only the destination balance.
Keep a simple monthly reward record
Retain eligible receipts, note the points expected from each programme and reconcile them against posted balances after the applicable processing period. Refunds, partial redemptions and excluded categories can change the final award. Use the rewards calculator for the bank-card layer and the bill stacking matrix to plan the merchant layer separately.
SHARE Visa Infinite Credit Card
- Salary minimum
- AED 30,000
- Annual fee
- AED 1,575
- First-year estimate
- AED 0
ADCB 365 Cashback Credit Card
- Salary minimum
- AED 5,000
- Annual fee
- AED 383.25
- First-year estimate
- AED 3,305
Mashreq Cashback Credit Card
- Salary minimum
- AED 5,000
- Annual fee
- AED 0
- First-year estimate
- AED 2,063
Related card reviews and fee math
Read these comparison records alongside the article; inclusion does not establish personal eligibility or approval.
What changed in this edition
First published 22 October 2026 with official source links, worked illustrations and explicit unverified-data limits. Embedded bank records retain their own source-check dates.
Explore the matching UAE card category · Calculate rewards for your own spending
Frequently asked questions
Are 10 SHARE Points always AED 1 in cash?
The baseline represents eligible restricted redemption, not freely withdrawable cash. Confirm the specific reward channel and conditions.
Can I add supermarket SHARE points to card SHARE rewards?
Only if they are separately earned and the current programme and bank terms allow both. Do not count a combined advertised reward twice.
Sources & review
Article updated 22 Oct 2026. Embedded product records show their own source-check dates. Conditions can change after review.