Abu Dhabi Commercial Bank
Essential Cashback Credit Card
- Salary
- AED 5,000
- Fee
- Free
- Reward
- 1%
Card comparison
Essential Cashback Credit Card vs Platinum Credit Card vs Etihad Guest Platinum Credit Card vs U by Emaar Family Credit Card
Compare Essential Cashback Credit Card from Abu Dhabi Commercial Bank, Platinum Credit Card from Aafaq Islamic Finance, Etihad Guest Platinum Credit Card…
Abu Dhabi Commercial Bank
Essential Cashback Credit Card
Aafaq Islamic Finance
Platinum Credit Card
- Salary
- AED 8,000
- Fee
- AED 0
- Reward
- Not listed
Emirates Islamic
Etihad Guest Platinum Credit Card
- Salary
- AED 5,000
- Fee
- AED 208.95
- Reward
- Etihad Guest Miles
Emirates NBD
U by Emaar Family Credit Card
- Salary
- AED 5,000
- Fee
- AED 0
- Reward
- rewards
Side by side
Compare key facts
Essential Cashback Credit CardAbu Dhabi Commercial BankPlatinum Credit CardAafaq Islamic FinanceEtihad Guest Platinum Credit CardEmirates IslamicU by Emaar Family Credit CardEmirates NBD
Rewards
Reward details
Essential Cashback Credit Card
Cashback- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Platinum Credit Card
- Welcome Bonus - AED 250 - AED 250 Welcome
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
U by Emaar Family Credit Card
- Earn up to 5% back on your spends
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Eligibility
Minimum Salary
Essential Cashback Credit CardAED 5,000↓
Platinum Credit CardAED 8,000↑
Etihad Guest Platinum Credit CardAED 5,000↓
U by Emaar Family Credit CardAED 5,000↓
Salary Transfer Required
Essential Cashback Credit CardNo
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Required Documents
Essential Cashback Credit Card
Valid Emirates ID - Proof of identity - A valid Emirates ID- Salary Certificate or Bank Statements - Proof of income - Latest 3 months bank statements or salary certificate
Platinum Credit Card
- Proof of salary - Latest salary certificate or bank statement - proof of salary: latest bank statements or salary certificate
- Identity proof - Valid Emirates ID or passport - identity proof: valid passport or Emirates ID
Etihad Guest Platinum Credit Card
- Valid Emirates ID - Mandatory - A valid Emirates ID
- Proof of Income - Mandatory - Latest salary certificate or proof of income
- Passport - Mandatory - Valid passport
U by Emaar Family Credit Card
- Valid Emirates ID - Proof of identity - A valid Emirates ID
- Salary Certificate or Salary Transfer Letter - Proof of income - Salary certificate or salary transfer letter
- Passport copy - Proof of identity and residence - A copy of passport
Fees and rates
Annual Fee
Essential Cashback Credit CardFree
Platinum Credit CardAED 0↓
Etihad Guest Platinum Credit CardAED 208.95↑
U by Emaar Family Credit CardAED 0↓
Joining Fee
Essential Cashback Credit Cardfree
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
First Year Annual Fee
Essential Cashback Credit CardNot listed
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardAED 0
U by Emaar Family Credit CardNot listed
Foreign Transaction Fee
Essential Cashback Credit Card2.99%↑
Platinum Credit Card2.5%•
Etihad Guest Platinum Credit Card2.34%•
U by Emaar Family Credit Card1.99%↓
APR
Essential Cashback Credit Card44.28% APR↓
Platinum Credit Card47.88% APR↑
Etihad Guest Platinum Credit Card44.28% APR↓
U by Emaar Family Credit Card44.28% APR↓
Cash Advance Fee
Essential Cashback Credit CardNot listed
Platinum Credit CardAED 150↑
Etihad Guest Platinum Credit CardAED 3.15↓
U by Emaar Family Credit CardAED 3.15↓
Late Payment Fee
Essential Cashback Credit CardNot listed
Platinum Credit CardAED 230↓
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardAED 241.5↑
Cashback and rewards
Rewards
Essential Cashback Credit Card
Cashback- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Platinum Credit Card
- Welcome Bonus - AED 250 - AED 250 Welcome
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
U by Emaar Family Credit Card
- Earn up to 5% back on your spends
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Headline cashback
Essential Cashback Credit Card
- 1% cashback on all purchasess
- Up to AED 1000 cashback every month
- 1% cashback on all purchases
- Up to AED 70 cashback per month on movies tickets purchased online
- Cashback on booking.com
- Transform daily spends into cashback
Platinum Credit Card
- rewards, cashback offers, and a suite of privileges designed to elevate your lifestyle AED 8,000 Minimum Salary AED 250 Welcome
- Aafaq Islamic Finance's Platinum Credit Card provides rewards, cashback, airport lounge access, valet parking, and discounts on entertainment and shopping.
Etihad Guest Platinum Credit Card
- Cashback
U by Emaar Family Credit Card
- It provides up to 5% cashback, discounts, and exclusive benefits tailored for families and Emaar property owners.
Reward Rate
Essential Cashback Credit Card
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Platinum Credit Card
- Welcome Bonus - AED 250 - AED 250 Welcome
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
U by Emaar Family Credit Card
- Earn up to 5% back on your spends
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Welcome Bonus
Essential Cashback Credit Card
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Platinum Credit Card
- Welcome Bonus - AED 250 - AED 250 Welcome
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
U by Emaar Family Credit Card
- Earn up to 5% back on your spends
- Cashback
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Travel
Airport Lounge Access
Essential Cashback Credit Cardmentioned
Platinum Credit CardYes
Etihad Guest Platinum Credit Cardmentioned
U by Emaar Family Credit CardNot listed
Travel Insurance
Essential Cashback Credit CardNot listed
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardYes
Valet Parking
Essential Cashback Credit CardNot listed
Platinum Credit CardYes
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Card Network
Essential Cashback Credit CardVisa
Platinum Credit CardMastercard
Etihad Guest Platinum Credit CardVisa
U by Emaar Family Credit CardVisa
Card type
Sharia Compliant
Essential Cashback Credit CardNo
Platinum Credit CardYes
Etihad Guest Platinum Credit CardYes
U by Emaar Family Credit CardNo
Islamic
Essential Cashback Credit CardNo
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardYes
U by Emaar Family Credit CardNo
Other useful facts
Minimum Credit Limit
Essential Cashback Credit CardAED 3,000
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
APR
Essential Cashback Credit Card44.28%↓
Platinum Credit Card47.88%↑
Etihad Guest Platinum Credit Card44.28%↓
U by Emaar Family Credit Card44.28%↓
Monthly purchase rate
Essential Cashback Credit Card3.69%↓
Platinum Credit Card3.99%↑
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Movie Benefit
Essential Cashback Credit CardNot listed
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardMovie Offers
U by Emaar Family Credit CardNot listed
Minimum Payment
Essential Cashback Credit Card5% or AED 100, whichever is higher
Platinum Credit Card5% of monthly balance, minimum AED 100
Etihad Guest Platinum Credit Card5% of closing balance outstanding or AED 100, whichever is higher
U by Emaar Family Credit Card5% of total payment due or AED 100, whichever is higher
Monthly Fee Including V A T
Essential Cashback Credit Card288.75%
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Monthly Fee Before V A T
Essential Cashback Credit Card275%
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Vat Amount
Essential Cashback Credit CardAED 13.75
Platinum Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
| Field | Essential Cashback Credit CardAbu Dhabi Commercial Bank | Platinum Credit CardAafaq Islamic Finance | Etihad Guest Platinum Credit CardEmirates Islamic | U by Emaar Family Credit CardEmirates NBD |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
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| Eligibility | ||||
| Minimum Salary | AED 5,000↓ | AED 8,000↑ | AED 5,000↓ | AED 5,000↓ |
| Salary Transfer Required | No | Not listed | Not listed | Not listed |
| Required Documents |
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|
| Fees and rates | ||||
| Annual Fee | Free | AED 0↓ | AED 208.95↑ | AED 0↓ |
| Joining Fee | free | Not listed | Not listed | Not listed |
| First Year Annual Fee | Not listed | Not listed | AED 0 | Not listed |
| Foreign Transaction Fee | 2.99%↑ | 2.5%• | 2.34%• | 1.99%↓ |
| APR | 44.28% APR↓ | 47.88% APR↑ | 44.28% APR↓ | 44.28% APR↓ |
| Cash Advance Fee | Not listed | AED 150↑ | AED 3.15↓ | AED 3.15↓ |
| Late Payment Fee | Not listed | AED 230↓ | Not listed | AED 241.5↑ |
| Cashback and rewards | ||||
| Rewards |
|
|
|
|
| Headline cashback |
|
|
|
|
| Reward Rate |
|
|
|
|
| Welcome Bonus |
|
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| Travel | ||||
| Airport Lounge Access | mentioned | Yes | mentioned | Not listed |
| Travel Insurance | Not listed | Not listed | Not listed | Yes |
| Valet Parking | Not listed | Yes | Not listed | Not listed |
| Card Network | Visa | Mastercard | Visa | Visa |
| Card type | ||||
| Sharia Compliant | No | Yes | Yes | No |
| Islamic | No | Not listed | Yes | No |
| Other useful facts | ||||
| Minimum Credit Limit | AED 3,000 | Not listed | Not listed | Not listed |
| APR | 44.28%↓ | 47.88%↑ | 44.28%↓ | 44.28%↓ |
| Monthly purchase rate | 3.69%↓ | 3.99%↑ | Not listed | Not listed |
| Movie Benefit | Not listed | Not listed | Movie Offers | Not listed |
| Minimum Payment | 5% or AED 100, whichever is higher | 5% of monthly balance, minimum AED 100 | 5% of closing balance outstanding or AED 100, whichever is higher | 5% of total payment due or AED 100, whichever is higher |
| Monthly Fee Including V A T | 288.75% | Not listed | Not listed | Not listed |
| Monthly Fee Before V A T | 275% | Not listed | Not listed | Not listed |
| Vat Amount | AED 13.75 | Not listed | Not listed | Not listed |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | APR | Cashback* | Rewards | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
Essential Cashback Credit CardCashback · Lounge · Dining
|
Abu Dhabi Commercial Bank | Free | AED 5,000 | 44.28% APR |
|       | Visa | Details | |
Platinum Credit CardCashback · Lounge · Dining
|
Aafaq Islamic Finance | AED 0 | AED 8,000 | 47.88% APR |
| | Mastercard | Details | |
Etihad Guest Platinum Credit CardCashback · Miles · Lounge
|
Emirates Islamic | AED 208.95 | AED 5,000 | 44.28% APR |
|  | Visa | Details | |
U by Emaar Family Credit CardCashback · Lounge · Dining
|
Emirates NBD | AED 0 | AED 5,000 | 44.28% APR |
| | Visa | Details |
APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.
Important
UAEBanks.org is independent research, not a bank or financial adviser. Card fees, eligibility, rewards, offers, and approvals can change. Always verify the latest Key Facts Statement, fees, and terms with the bank before applying.
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UAEBanks.org is an independent research and comparison site, not a bank, broker, financial adviser, UAE government entity, or official bank representative. Fees, eligibility, rewards, offers, and approvals can change. Always verify the latest terms, Key Facts Statement, fees, and conditions with the official bank before applying.