Card face-off
ENBD SHARE Infinite vs ADIB SHARE Infinite: which is better in the UAE? (2026)
Abu Dhabi Islamic Bank (ADIB)
ADIB SHARE Infinite Credit Card
ENBD SHARE Infinite and ADIB SHARE Infinite both compete for everyday UAE spend. The figures below come from each card's live reward rules at AED 18,000 a month, net of annual fees.
ENBD SHARE Infinite Credit Card vs ADIB SHARE Infinite Credit Card compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
 | AED 1,575 | AED 1,575 | 3.14% | AED 30,000 | 8% cashback at Majid Al Futtaim. |
| AED 1,048.95 (waivable) | Free | 2.42% | AED 5,000 | 6% back in SHARE Points at Carrefour and Majid Al Futtaim destinations. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| AED 1,575 | AED 1,575 | 3.14% | AED 30,000 | 8% cashback at Majid Al Futtaim. |
| AED 1,048.95 (waivable) | Free | 2.42% | AED 5,000 | 6% back in SHARE Points at Carrefour and Majid Al Futtaim destinations. |
ENBD SHARE Infinite Credit Card
Annual feeAED 1,575
Joining feeAED 1,575
Foreign transaction fee3.14%
Min. salaryAED 30,000
Highlight8% cashback at Majid Al Futtaim.
ADIB SHARE Infinite Credit Card
Annual feeAED 1,048.95 (waivable)
Joining feeFree
Foreign transaction fee2.42%
Min. salaryAED 5,000
Highlight6% back in SHARE Points at Carrefour and Majid Al Futtaim destinations.
Which card is better for what
Two answers compare ENBD SHARE Infinite and ADIB SHARE Infinite on general everyday spend and spending abroad. Each is priced on a month of its own, because a household that spends heavily on one thing does not spend the same total as one that does not. Within an answer both cards see the identical month.
Spending abroad prices AED 6,360 of the total as non-AED and takes each card's foreign transaction fee off the annual result. One answer prices air travel (spending abroad) and counts the airport benefits a traveller uses, each at that card's own published allowance. Every other benefit these cards carry is worth nothing to this household and counts as nothing.
Those months are all AED 21,200 a month, and every answer states the one it was priced on. They are the same curated spend profiles every comparison page uses, so the household behind an answer here is the household behind it anywhere.
Annual totals are net of each card's annual fee: AED 1,575 for ENBD SHARE Infinite and none for ADIB SHARE Infinite, whose AED 1,049 fee its own spend waiver covers at these totals. ENBD SHARE Infinite needs a salary of AED 30,000 a month and ADIB SHARE Infinite AED 5,000.
Best for general everyday spend: ADIB SHARE Infinite
ADIB SHARE Infinite returns more across the whole profile — AED 3,558 a year against AED 986, after each card's annual fee.
Modelled monthly spend
GroceryAED 4,500
Fuel, Transportation +5 moreAED 4,000
Everything elseAED 12,700
TotalAED 21,200
Annual return
ENBD SHARE Infinite Credit Card
Rewards+ AED 2,561
Annual fee– AED 1,575
Total0.39% of the profile, after everything+ AED 986
ADIB SHARE Infinite Credit Card1.4% of the profile, after everything+ AED 3,558
Best for spending abroad: ADIB SHARE Infinite
On AED 6,360 of foreign spend a month, ADIB SHARE Infinite charges 2.42%, which comes to AED 1,843 a year. ENBD SHARE Infinite charges 3.14%, which comes to AED 2,396 a year. That leaves ADIB SHARE Infinite ahead over the year, AED 3,247 against AED 119.
Modelled monthly spend
Spent abroad, in another currencyAED 6,360
Spent in the UAEAED 14,840
TotalAED 21,200
Annual return
ENBD SHARE Infinite Credit Card
Rewards+ AED 2,618
Benefits usedAirport lounge × 8+ AED 1,472
Annual fee– AED 1,575
Foreign transaction fee3.14% on spend abroad– AED 2,396
Total0.05% of the profile, after everything+ AED 119
ADIB SHARE Infinite Credit Card
Rewards+ AED 3,618
Benefits usedAirport lounge × 8+ AED 1,472
Foreign transaction fee2.42% on spend abroad– AED 1,843
Total1.28% of the profile, after everything+ AED 3,247
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD SHARE Infinite Credit Card
SHARE Points
Carrefour, Majid Al Futtaim Destinations
8%
AED 0
8% · AED 0
Carrefour, Majid Al Futtaim Destinations
6%
AED 0
6% · AED 0
Fast Food, Insurance, Car Dealers
0.38%
AED 0
0.38% · AED 0
Fast Food, Insurance, Car Dealers
2%
AED 0
2% · AED 0
Charity
1.5%
AED 0
1.5% · AED 0
Charity
0.5%
AED 0
0.5% · AED 0
Fuel, Transportation +5 more
0.15%
AED 0
0.15% · AED 0
Fuel, Transportation +5 more
0.5%
AED 0
0.5% · AED 0
Grocery
0.38%
AED 0
0.38% · AED 0
Grocery
0.5%
AED 0
0.5% · AED 0
Other Spends
1.5%
AED 0
1.5% · AED 0
Other Spends
2%
AED 0
2% · AED 0
Airport Lounge Access
—
Airport Lounge Access
AED 2,760
Golf
—
Golf
—
VOX Cinemas BOGO
—
VOX Cinemas BOGO
—
Valet Parking
—
Valet Parking
AED 1,200
Annual Fee
– AED 1,575
Annual Fee
– AED 1,048.95
Total
– AED 1,575
Total
+ AED 2,911
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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The verdict
On an ordinary AED 21,200 month ADIB SHARE Infinite comes out ahead by AED 2,572 a year, AED 3,558 against AED 986 for ENBD SHARE Infinite. That is after each card's annual fee and after every cap, which makes it the number to judge them on rather than either advertised rate.
ADIB SHARE Infinite answers both of the questions above: general everyday spend and spending abroad. The order does not change with your mix, only the size of the gap.
The fee asymmetry matters. ADIB SHARE Infinite carries none, while ENBD SHARE Infinite has to return AED 1,575 a year before it breaks even, roughly AED 131 of rewards a month just to draw level. Every figure above is already net of that.
Eligibility separates them too: ADIB SHARE Infinite opens at AED 5,000 a month against AED 30,000 for ENBD SHARE Infinite. If you sit between the two thresholds the comparison is settled for you regardless of which earns more.
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ENBD SHARE Infinite Credit Card
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ENBD SHARE Infinite Credit Card vs ADIB SHARE Infinite Credit Card: FAQ
Common questions about choosing between ENBD SHARE Infinite Credit Card and ADIB SHARE Infinite Credit Card.