Card comparison

ADIB Visa Cashback Card vs Citi Ultima Credit Card vs RAKBANK Air Arabia Platinum Credit Card vs ADIB Booking Signature Card

Compare ADIB Visa Cashback Card from Abu Dhabi Islamic Bank, Citi Ultima Credit Card from Citibank UAE, RAKBANK Air Arabia Platinum Credit Card from…

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Compare key facts

ADIB Visa Cashback Card card imageADIB Visa Cashback CardAbu Dhabi Islamic BankCiti Ultima Credit Card card imageCiti Ultima Credit CardCitibank UAERAKBANK Air Arabia Platinum Credit Card card imageRAKBANK Air Arabia Platinum Credit CardRAKBANKADIB Booking Signature Card card imageADIB Booking Signature CardAbu Dhabi Islamic Bank

Rewards

Reward details

ADIB Visa Cashback Card
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback
  • Miles
  • Lounge
Citi Ultima Credit Card
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Low fee
RAKBANK Air Arabia Platinum Credit Card
  • AirRewards bonus - 20,000 - 20,000 AirRewards bonus
  • Reward earning rate - up to 1.75 AirRewards per AED 5 - Earn up to 1.75 AirRewards per AED 5 spent
  • Miles
  • Lounge
  • Travel
  • Cinema
ADIB Booking Signature Card
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Islamic
  • Low fee

Eligibility

Minimum Salary

ADIB Visa Cashback CardAED 5,000↓
Citi Ultima Credit CardAED 36,750↑
RAKBANK Air Arabia Platinum Credit CardAED 5,000↓
ADIB Booking Signature CardAED 5,000↓

Required Documents

ADIB Visa Cashback Card
  • Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer (not more than 30 days old)
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit Card
  • Valid Emirates ID or passport - Proof of identity
  • Salary certificate - Proof of monthly salary AED 5,000
ADIB Booking Signature Card
  • Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer (not more than 30 days old)

Fees and rates

Annual Fee

ADIB Visa Cashback CardAED 99↓
Citi Ultima Credit CardAED 3,000↑
RAKBANK Air Arabia Platinum Credit CardAED 420•
ADIB Booking Signature CardAED 299•

Joining Fee

ADIB Visa Cashback CardNot listed
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardAED 5,000
ADIB Booking Signature CardNot listed

First Year Annual Fee

ADIB Visa Cashback CardNot listed
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardAED 420
ADIB Booking Signature CardNot listed

Foreign Transaction Fee

ADIB Visa Cashback CardNot listed
Citi Ultima Credit Card2.99%•
RAKBANK Air Arabia Platinum Credit Card2.57%↓
ADIB Booking Signature Card3%↑

APR

ADIB Visa Cashback Card45.63% APR↑
Citi Ultima Credit Card42% APR↓
RAKBANK Air Arabia Platinum Credit Card43.8% APR•
ADIB Booking Signature Card45.63% APR↑

Cash Advance Fee

ADIB Visa Cashback CardNot listed
Citi Ultima Credit CardAED 3↓
RAKBANK Air Arabia Platinum Credit CardAED 3.31↑
ADIB Booking Signature CardNot listed

Late Payment Fee

ADIB Visa Cashback CardNot listed
Citi Ultima Credit CardAED 230↓
RAKBANK Air Arabia Platinum Credit CardAED 241.5↑
ADIB Booking Signature CardNot listed

Cashback and rewards

Cashback details

ADIB Visa Cashback Card
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback covered card focused on daily spend categories with fixed 4% cashback caps and roadside assistance.
↓
Citi Ultima Credit Card
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
↑
RAKBANK Air Arabia Platinum Credit CardNot listed
ADIB Booking Signature Card
  • com Visa Signature Card from ADIB provides 4% cashback, airport lounge access, and miles rewards.

Rewards

ADIB Visa Cashback Card
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback
  • Miles
  • Lounge
Citi Ultima Credit Card
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Low fee
RAKBANK Air Arabia Platinum Credit Card
  • AirRewards bonus - 20,000 - 20,000 AirRewards bonus
  • Reward earning rate - up to 1.75 AirRewards per AED 5 - Earn up to 1.75 AirRewards per AED 5 spent
  • Miles
  • Lounge
  • Travel
  • Cinema
ADIB Booking Signature Card
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Islamic
  • Low fee

Headline cashback

ADIB Visa Cashback Card
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback covered card focused on daily spend categories with fixed 4% cashback caps and roadside assistance.
Citi Ultima Credit Card
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
RAKBANK Air Arabia Platinum Credit CardNot listed
ADIB Booking Signature Card
  • com Visa Signature Card from ADIB provides 4% cashback, airport lounge access, and miles rewards.

Reward Rate

ADIB Visa Cashback Card
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback
  • Miles
  • Lounge
Citi Ultima Credit Card
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Low fee
↑
RAKBANK Air Arabia Platinum Credit Card
  • AirRewards bonus - 20,000 - 20,000 AirRewards bonus
  • Reward earning rate - up to 1.75 AirRewards per AED 5 - Earn up to 1.75 AirRewards per AED 5 spent
  • Miles
  • Lounge
  • Travel
  • Cinema
•
ADIB Booking Signature Card
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Islamic
  • Low fee
↓

Welcome Bonus

ADIB Visa Cashback Card
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback
  • Miles
  • Lounge
Citi Ultima Credit Card
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Low fee
RAKBANK Air Arabia Platinum Credit Card
  • AirRewards bonus - 20,000 - 20,000 AirRewards bonus
  • Reward earning rate - up to 1.75 AirRewards per AED 5 - Earn up to 1.75 AirRewards per AED 5 spent
  • Miles
  • Lounge
  • Travel
  • Cinema
ADIB Booking Signature Card
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Islamic
  • Low fee

Travel

Airport Lounge Access

ADIB Visa Cashback Cardmentioned
Citi Ultima Credit CardYes
RAKBANK Air Arabia Platinum Credit Cardmentioned
ADIB Booking Signature CardNot listed

Travel Insurance

ADIB Visa Cashback CardNot listed
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardTravel insurance benefits are listed on the card page
ADIB Booking Signature CardNot listed

Valet Parking

ADIB Visa Cashback CardNot listed
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardNot listed
ADIB Booking Signature CardFree valet parking two times a month

Card Network

ADIB Visa Cashback CardVisa
Citi Ultima Credit CardMastercard World Elite
RAKBANK Air Arabia Platinum Credit CardMastercard
ADIB Booking Signature CardVisa

Card type

Sharia Compliant

ADIB Visa Cashback CardYes
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardYes
ADIB Booking Signature CardYes

Islamic

ADIB Visa Cashback CardYes
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardNot listed
ADIB Booking Signature CardYes

Other useful facts

APR

ADIB Visa Cashback Card45.63%↑
Citi Ultima Credit Card42%↓
RAKBANK Air Arabia Platinum Credit Card43.8%•
ADIB Booking Signature Card45.63%↑

Monthly purchase rate

ADIB Visa Cashback Card3.75%↑
Citi Ultima Credit Card3.5%↓
RAKBANK Air Arabia Platinum Credit CardNot listed
ADIB Booking Signature Card3.75%↑

Movie Benefit

ADIB Visa Cashback CardNot listed
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardVOX Cinema offer is listed on the card page
ADIB Booking Signature CardNot listed

Minimum Balance

ADIB Visa Cashback Card4
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardAED 25,000
ADIB Booking Signature CardNot listed

Account Opening Fee

ADIB Visa Cashback CardFree for Wasel Accountholders
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardNot listed
ADIB Booking Signature CardNot listed

Expected Profit Rate Q S A

ADIB Visa Cashback Card6.5%
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardNot listed
ADIB Booking Signature CardNot listed

Expected Profit Rate D P A

ADIB Visa Cashback Card5.5%
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardNot listed
ADIB Booking Signature CardNot listed

V A T

ADIB Visa Cashback Card5%
Citi Ultima Credit CardNot listed
RAKBANK Air Arabia Platinum Credit CardNot listed
ADIB Booking Signature Card5%
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
Field ADIB Visa Cashback Card card imageADIB Visa Cashback CardAbu Dhabi Islamic BankCiti Ultima Credit Card card imageCiti Ultima Credit CardCitibank UAERAKBANK Air Arabia Platinum Credit Card card imageRAKBANK Air Arabia Platinum Credit CardRAKBANKADIB Booking Signature Card card imageADIB Booking Signature CardAbu Dhabi Islamic Bank
Rewards
Reward details
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback
  • Miles
  • Lounge
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Low fee
  • AirRewards bonus - 20,000 - 20,000 AirRewards bonus
  • Reward earning rate - up to 1.75 AirRewards per AED 5 - Earn up to 1.75 AirRewards per AED 5 spent
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Islamic
  • Low fee
Eligibility
Minimum Salary AED 5,000↓AED 36,750↑AED 5,000↓AED 5,000↓
Required Documents
  • Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer (not more than 30 days old)
Not listed
  • Valid Emirates ID or passport - Proof of identity
  • Salary certificate - Proof of monthly salary AED 5,000
  • Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer (not more than 30 days old)
Fees and rates
Annual Fee AED 99↓AED 3,000↑AED 420•AED 299•
Joining Fee Not listedNot listedAED 5,000Not listed
First Year Annual Fee Not listedNot listedAED 420Not listed
Foreign Transaction Fee Not listed2.99%•2.57%↓3%↑
APR 45.63% APR↑42% APR↓43.8% APR•45.63% APR↑
Cash Advance Fee Not listedAED 3↓AED 3.31↑Not listed
Late Payment Fee Not listedAED 230↓AED 241.5↑Not listed
Cashback and rewards
Cashback details
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback covered card focused on daily spend categories with fixed 4% cashback caps and roadside assistance.
↓
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
↑		Not listed
  • com Visa Signature Card from ADIB provides 4% cashback, airport lounge access, and miles rewards.
Rewards
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback
  • Miles
  • Lounge
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Low fee
  • AirRewards bonus - 20,000 - 20,000 AirRewards bonus
  • Reward earning rate - up to 1.75 AirRewards per AED 5 - Earn up to 1.75 AirRewards per AED 5 spent
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Islamic
  • Low fee
Headline cashback
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback covered card focused on daily spend categories with fixed 4% cashback caps and roadside assistance.
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
Not listed
  • com Visa Signature Card from ADIB provides 4% cashback, airport lounge access, and miles rewards.
Reward Rate
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback
  • Miles
  • Lounge
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Low fee
↑
  • AirRewards bonus - 20,000 - 20,000 AirRewards bonus
  • Reward earning rate - up to 1.75 AirRewards per AED 5 - Earn up to 1.75 AirRewards per AED 5 spent
  • Miles
  • Lounge
  • Travel
  • Cinema
•
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Islamic
  • Low fee
↓
Welcome Bonus
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback
  • Miles
  • Lounge
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Low fee
  • AirRewards bonus - 20,000 - 20,000 AirRewards bonus
  • Reward earning rate - up to 1.75 AirRewards per AED 5 - Earn up to 1.75 AirRewards per AED 5 spent
  • Miles
  • Lounge
  • Travel
  • Cinema
  • Cashback
  • Miles
  • Lounge
  • Travel
  • Islamic
  • Low fee
Travel
Airport Lounge Access mentionedYesmentionedNot listed
Travel Insurance Not listedNot listedTravel insurance benefits are listed on the card pageNot listed
Valet Parking Not listedNot listedNot listedFree valet parking two times a month
Card Network VisaMastercard World EliteMastercardVisa
Card type
Sharia Compliant YesNot listedYesYes
Islamic YesNot listedNot listedYes
Other useful facts
APR 45.63%↑42%↓43.8%•45.63%↑
Monthly purchase rate 3.75%↑3.5%↓Not listed3.75%↑
Movie Benefit Not listedNot listedVOX Cinema offer is listed on the card pageNot listed
Minimum Balance 4Not listedAED 25,000Not listed
Account Opening Fee Free for Wasel AccountholdersNot listedNot listedNot listed
Expected Profit Rate Q S A 6.5%Not listedNot listedNot listed
Expected Profit Rate D P A 5.5%Not listedNot listedNot listed
V A T 5%Not listedNot listed5%

Compare options

Top Credit Cards to compare

Select Product Bank Annual feeSalaryAPRCashback*RewardsNetwork Details
ADIB Visa Cashback Card product image ADIB Visa Cashback CardCashback · Miles · Lounge Abu Dhabi Islamic Bank AED 99AED 5,00045.63% APR
  • 4% cashback on supermarket and grocery spends, maximum AED 300 per month
  • 4% cashback on fuel and automobile spends, maximum AED 300 per month
  • 4% cashback on school and education payments, maximum AED 300 per month
  • 4% cashback on dining and restaurant spends, maximum AED 200 per month
  • 4% cashback on utility payments, maximum AED 100 per month
  • Cashback covered card focused on daily spend categories with fixed 4% cashback caps and roadside assistance.
Cashback iconMiles iconLounge iconDining iconGroceries iconFuel iconTravel iconIslamic iconVisa Details
Citi Ultima Credit Card product image Citi Ultima Credit CardCashback · Miles · Lounge Citibank UAE AED 3,000AED 36,75042% APR
  • AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
Cashback iconMiles iconLounge iconTravel iconCinema iconLow fee iconMastercard World Elite Details
RAKBANK Air Arabia Platinum Credit Card product image RAKBANK Air Arabia Platinum Credit CardMiles · Lounge · Travel RAKBANK AED 420AED 5,00043.8% APRMiles iconLounge iconTravel iconCinema iconMastercard Details
ADIB Booking Signature Card product image ADIB Booking Signature CardCashback · Miles · Lounge Abu Dhabi Islamic Bank AED 299AED 5,00045.63% APR
  • com Visa Signature Card from ADIB provides 4% cashback, airport lounge access, and miles rewards.
Cashback iconMiles iconLounge iconTravel iconIslamic iconLow fee iconVisa 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.

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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.