# Emirates NBD Credit Card vs ADCB Credit Card **Published:** 2025-12-12T12:35:32.984Z **Updated:** 2026-07-30T16:31:59.101Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/emirates-nbd-credit-card-vs-adcb-credit-card/ Choosing the right credit card in the UAE can be confusing, especially when comparing two of the most popular banks: Emirates NBD and ADCB. Both banks offer strong cashback, travel, lifestyle, and rewards benefits — but they cater to different types of users. This guide compares Emirates NBD credit cards vs ADCB credit cards in detail so you can decide which one fits your needs. ...read more ## Most Popular Credit Card in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE ## Quick Comparison: Emirates NBD vs ADCB Credit Cards | Feature | Emirates NBD Credit Cards | ADCB Credit Cards | | --- | --- | --- | | **Best For** | Cashback, lifestyle, premium travel | Cashback, rewards, balance transfer | | **Annual Fees** | Mid to high | Low to moderate | | **Minimum Salary** | AED 5,000 – AED 30,000 | AED 5,000 – AED 30,000 | | **Travel Benefits** | Strong (airport lounge, miles, hotel perks) | Moderate (some cards offer lounge + travel rewards) | | **Cashback & Rewards** | Excellent | Very competitive | | **Islamic (Shariah) Cards** | Available | Available | | **Ease of Approval** | Moderate | Easier for salaried applicants | | **Best For Beginners** | Go4it Gold / Cashback Card | ADCB SimplyLife Cashback Card | | **Premium Cards** | Skywards Infinite, Visa Infinite | ADCB Etihad Guest Infinite | | **Apply** | Apply Now | Apply Now | ## Which Bank Is Better?  * Choose Emirates NBD if you want strong travel perks, airport lounge access, and premium lifestyle benefits. * Choose ADCB if you want affordable fees, better cashback on daily spending, and easy approvals. ## Detailed Comparison: Emirates NBD vs ADCB Credit Cards | Benefits | Emirates NBD | ADCB | Conclusion | | --- | --- | --- | --- | | **Cashback Benefits** | Strong cashback on groceries, fuel, bills
Cashback does not expire
Tier-based earning system | Higher cashback for daily spending
No annual fee options
Best supermarket cashback (LuLu Cards) | ADCB (better cashback for average spenders) | | **Travel Benefits** | Skywards Miles program
Airport lounge access
Free travel insurance
Premium travel upgrades | Airline-specific cards (Etihad)
Lounge access limited to premium cards | Emirates NBD (stronger travel ecosystem) | | **Annual Fees** | Higher fees for premium cards
Fee waiver tied to spending | Multiple zero-annual-fee cards
Lower annual fee on most cards | ADCB (budget-friendly fee structure) | | **Rewards & Points** | Strong miles & lifestyle rewards
Multiple partnerships | Excellent retail and grocery rewards
Strong Etihad Guest program | Tie (depends on your spending style) | | **Approval & Eligibility** | Slightly stricter approvals
Salary requirements vary | Faster, easier approval
Very friendly for new credit card applicants | ADCB | | **Apply** | Apply Now | Apply Now | \- | # Who Should Choose Which Card? | Choose Emirates NBD If You Want: | Choose ADCB If You Want: | | --- | --- | | ✔ Premium travel perks
✔ Lounge access
✔ Skywards Miles
✔ High-end lifestyle benefits | ✔ Better cashback on essentials
✔ Lower annual fees
✔ Easy approval
✔ Best value for supermarkets & daily expenses | ## People Also Looking For [Credit Cards](https://www.paisabazaar.ae/credit-cards/)[Credit Cards With Lounge Access](https://www.paisabazaar.ae/credit-cards/articles/5-credit-cards-offering-complimentary-airport-lounge-access/)[Credit Cards With Cash Back](https://www.paisabazaar.ae/credit-cards/articles/top-cashback-credit-cards-in-uae/)[Application Credit Card Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-credit-card-application-status/)[NBD Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-emirates-nbd-credit-card-application-status/)[Free for Life Credit Cards](https://www.paisabazaar.ae/credit-cards/free-for-life-credit-cards/)[Apply For Credit Card Instant Approval](https://www.paisabazaar.ae/credit-cards/articles/want-a-credit-card-with-instant-approval-here-are-your-options/) [Good Credit Cards For Beginners](https://www.paisabazaar.ae/credit-cards/articles/best-credit-cards-for-beginners-in-uae/)[ADCB Bank Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-adcb-credit-card-application-status/)[Top Credit Cards With No Annual Fees](https://www.paisabazaar.ae/credit-cards/articles/top-credit-cards-with-no-annual-fee-in-uae/)[Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/credit-card-eligibility-in-uae/)[Credit Card Without Salary](https://www.paisabazaar.ae/credit-cards/articles/get-a-credit-card-in-uae-without-a-job/)[Emirate Id Card Status](https://www.paisabazaar.ae/credit-cards/articles/check-your-emirates-id-status/) ←Previous [QR Code Payments](https://www.paisabazaar.ae/credit-cards/articles/qr-code-payments-uae/) Next→ [QR Code Payments](https://www.paisabazaar.ae/credit-cards/articles/qr-code-payments-uae/)