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 ...read more

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Airport Lounge
Shopping Benefits
Fuel benefits
Movie Discounts

Cashback up to AED 2,000
Rewards + Welcome Offers
No Annual Fee
Travel benefits
Dining Discounts
Entertainment Benefits

Written By

Tanvi PathakTeam Lead Writer (Expertise - Banking )

Reviewed By

Brijesh KumarCBO, Paisabazaar.ae

Last updated on 12 December 2025Editorial Standards

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