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 U by Emaar Family Credit Card vs Dubai First Low-Rate Credit Card
Compare Essential Cashback Credit Card from Abu Dhabi Commercial Bank, Platinum Credit Card from Aafaq Islamic Finance, U by Emaar Family Credit Card from…
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 NBD
U by Emaar Family Credit Card
- Salary
- AED 5,000
- Fee
- AED 0
- Reward
- rewards
Dubai First
Dubai First Low-Rate Credit Card
- Salary
- AED 5,000
- Fee
- AED 0
- Reward
- 2.49%
Side by side
Compare key facts
Essential Cashback Credit CardAbu Dhabi Commercial BankPlatinum Credit CardAafaq Islamic FinanceU by Emaar Family Credit CardEmirates NBDDubai First Low-Rate Credit CardDubai First
Eligibility
Minimum Salary
Essential Cashback Credit CardAED 5,000↓
Platinum Credit CardAED 8,000↑
U by Emaar Family Credit CardAED 5,000↓
Dubai First Low-Rate Credit CardAED 5,000↓
Salary Transfer Required
Essential Cashback Credit CardNo
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Required Documents
Essential Cashback Credit CardValid 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; Bank Name - ADCB Islamic Banking; Beneficiary Name - as per other Bank records; Credit Card No. - specified by applicant; rewardPoints - Valid Lulu Card - rewardPoints: Valid Lulu Card
Platinum Credit CardProof 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
U by Emaar Family Credit CardValid 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
Dubai First Low-Rate Credit CardValid Emirates ID - Proof of identity - A valid Emirates ID; Salary Certificate - Proof of income - Latest salary certificate or bank statement showing salary; Bank Statements - Proof of financial stability - Latest 3 months bank statements
Fees and rates
Annual Fee
Essential Cashback Credit CardFree
Platinum Credit CardAED 0•
U by Emaar Family Credit CardAED 0•
Dubai First Low-Rate Credit CardAED 0•
Joining Fee
Essential Cashback Credit CardFree
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Foreign Transaction Fee
Essential Cashback Credit Card2.99%
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Interest Rate
Essential Cashback Credit Card3.69%•
Platinum Credit Card3.99%↑
U by Emaar Family Credit Card3.49%•
Dubai First Low-Rate Credit Card2.49%↓
Cashback and rewards
Rewards
Essential Cashback Credit CardNot listed
Platinum Credit CardWelcome Bonus - AED 250 - AED 250 Welcome↑
U by Emaar Family Credit CardEarn up to 5% back on your spends•
Dubai First Low-Rate Credit CardCashback - 1% cashback on balance transfers - Get 1% cashback on 0% interest 3-month balance transfers↓
Cashback Rate
Essential Cashback Credit Card1%↓
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit Card2.49%↑
Welcome Bonus
Essential Cashback Credit CardNot listed
Platinum Credit CardAED 250
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Welcome Offer
Essential Cashback Credit Cardn/a
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Travel
Airport Lounge Access
Essential Cashback Credit Cardmentioned
Platinum Credit CardYes
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardYes
Travel Insurance
Essential Cashback Credit CardNot listed
Platinum Credit CardNot listed
U by Emaar Family Credit CardYes
Dubai First Low-Rate Credit CardNot listed
Valet Parking
Essential Cashback Credit CardNot listed
Platinum Credit CardYes
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Card Network
Essential Cashback Credit CardVisa
Platinum Credit CardMastercard
U by Emaar Family Credit CardVisa
Dubai First Low-Rate Credit CardMastercard
Card type
Sharia Compliant
Essential Cashback Credit CardNo
Platinum Credit CardYes
U by Emaar Family Credit CardNo
Dubai First Low-Rate Credit CardNot listed
Other useful facts
Minimum Credit Limit
Essential Cashback Credit CardAED 3,000
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Apr Or Profit Rate
Essential Cashback Credit Card3.69%
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Minimum Payment
Essential Cashback Credit Card5%
Platinum Credit Card5%
U by Emaar Family Credit Card5%
Dubai First Low-Rate Credit CardNot listed
Monthly Fee
Essential Cashback Credit CardAED 125
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Monthly Fee Including V A T
Essential Cashback Credit Card288.75%
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Monthly Fee Before V A T
Essential Cashback Credit Card275%
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Vat Amount
Essential Cashback Credit CardAED 13.75
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
Package Change Fee
Essential Cashback Credit Cardlevied
Platinum Credit CardNot listed
U by Emaar Family Credit CardNot listed
Dubai First Low-Rate Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
| Field | Essential Cashback Credit CardAbu Dhabi Commercial Bank | Platinum Credit CardAafaq Islamic Finance | U by Emaar Family Credit CardEmirates NBD | Dubai First Low-Rate Credit CardDubai First |
|---|---|---|---|---|
| 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 | 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; Bank Name - ADCB Islamic Banking; Beneficiary Name - as per other Bank records; Credit Card No. - specified by applicant; rewardPoints - Valid Lulu Card - rewardPoints: Valid Lulu 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 | 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 | Valid Emirates ID - Proof of identity - A valid Emirates ID; Salary Certificate - Proof of income - Latest salary certificate or bank statement showing salary; Bank Statements - Proof of financial stability - Latest 3 months bank statements |
| Fees and rates | ||||
| Annual Fee | Free | AED 0• | AED 0• | AED 0• |
| Joining Fee | Free | Not listed | Not listed | Not listed |
| Foreign Transaction Fee | 2.99% | Not listed | Not listed | Not listed |
| Interest Rate | 3.69%• | 3.99%↑ | 3.49%• | 2.49%↓ |
| Cashback and rewards | ||||
| Rewards | Not listed | Welcome Bonus - AED 250 - AED 250 Welcome↑ | Earn up to 5% back on your spends• | Cashback - 1% cashback on balance transfers - Get 1% cashback on 0% interest 3-month balance transfers↓ |
| Cashback Rate | 1%↓ | Not listed | Not listed | 2.49%↑ |
| Welcome Bonus | Not listed | AED 250 | Not listed | Not listed |
| Welcome Offer | n/a | Not listed | Not listed | Not listed |
| Travel | ||||
| Airport Lounge Access | mentioned | Yes | Not listed | Yes |
| Travel Insurance | Not listed | Not listed | Yes | Not listed |
| Valet Parking | Not listed | Yes | Not listed | Not listed |
| Card Network | Visa | Mastercard | Visa | Mastercard |
| Card type | ||||
| Sharia Compliant | No | Yes | No | Not listed |
| Other useful facts | ||||
| Minimum Credit Limit | AED 3,000 | Not listed | Not listed | Not listed |
| Apr Or Profit Rate | 3.69% | Not listed | Not listed | Not listed |
| Minimum Payment | 5% | 5% | 5% | Not listed |
| Monthly Fee | AED 125 | Not listed | Not listed | Not listed |
| 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 |
| Package Change Fee | levied | Not listed | Not listed | Not listed |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | Interest rate | Rewards | Lounge | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
|
Essential Cashback Credit CardCashback · Lounge · Dining
|
Abu Dhabi Commercial Bank | Free | AED 5,000 | 3.69% | 1% | Yes | Visa | Details | |
Benefits
       
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Platinum Credit CardCashback · Lounge · Dining
|
Aafaq Islamic Finance | AED 0 | AED 8,000 | 3.99% | Not listed | Yes | Mastercard | Details | |
Benefits
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|
U by Emaar Family Credit CardCashback · Lounge · Dining
|
Emirates NBD | AED 0 | AED 5,000 | 3.49% | rewards | Not listed | Visa | Details | |
|
Benefits
|
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|
Dubai First Low-Rate Credit CardCashback · Lounge · Dining
|
Dubai First | AED 0 | AED 5,000 | 2.49% | 2.49% | Yes | Mastercard | Details | |
|
Benefits
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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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