ADCB 365 Cashback vs Emirates NBD Skywards Infinite
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Emirates NBD Skywards Infinite comes out ahead on estimated net value — about AED 1,181/yr more than the ADCB 365 Cashback. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | ADCB 365 Cashback | Emirates NBD Skywards Infinite Best valuePopular |
|---|---|---|
| Issuer | ADCB | Emirates NBD |
| Annual fee | AED 524 / year | AED 1,575 / year |
| Welcome bonus | — | 20,000 Skywards Miles on first spend |
| Min. income (monthly) | AED 15,000 | AED 36,750 |
| Reward type | cashback | miles |
| Headline rate | 3% cashback | 2.5× miles |
| Bonus categories | fuel, dining, education, groceries | dining, travel, international |
| Lounge access | Yes | Yes |
| Foreign tx fee | 2.49% | 1.99% |
| Est. net value / yr | AED 592 | AED 1,773 |
| Apply | Apply |
Frequently asked questions
- ADCB 365 Cashback vs Emirates NBD Skywards Infinite: which is better?
- On our reference spend profile the Emirates NBD Skywards Infinite delivers higher estimated net value than the ADCB 365 Cashback in United Arab Emirates, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between ADCB 365 Cashback and Emirates NBD Skywards Infinite?
- ADCB 365 Cashback: AED 524 / year. Emirates NBD Skywards Infinite: AED 1,575 / year.
- Which earns more rewards, ADCB 365 Cashback or Emirates NBD Skywards Infinite?
- ADCB 365 Cashback earns 3% cashback; Emirates NBD Skywards Infinite earns 2.5× miles. We rank by net value after fees, not headline rate alone.