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. ...read more
Airport Lounge
Relax Before you take off
Shopping Benefits
Exclusive offer on top Cards
Fuel benefits
Save more on every fill
Movie Discounts
Enjoy blockbusters for less
Reward points on Every Spend*
Monthly Income (Dirhams)
Below 5k
5k - 8k
8k - 12k
12k - 15k
15k - 20k
20k - 25k
25k - 35k
Above 35k
Tanvi Pathak
Most Popular Credit Card in UAE
Free for Life
Cashback Credit Card
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
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
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 |
|
|
ADCB (better cashback for average spenders) |
| Travel Benefits |
|
|
Emirates NBD (stronger travel ecosystem) |
| Annual Fees |
|
|
ADCB (budget-friendly fee structure) |
| Rewards & Points |
|
|
Tie (depends on your spending style) |
| Approval & Eligibility |
|
|
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 |
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