Card face-off
ENBD SHARE Platinum vs ADIB SHARE Visa Platinum: which is better in the UAE? (2026)
Abu Dhabi Islamic Bank (ADIB)
ADIB SHARE Visa Platinum Card
ENBD SHARE Platinum and ADIB SHARE Visa Platinum both compete for everyday UAE spend. The figures below come from each card's live reward rules at AED 8,000 a month, net of annual fees.
ENBD SHARE Platinum Credit Card vs ADIB SHARE Visa Platinum 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 |
|---|---|---|---|---|---|
 | Free | Free | 3.14% | AED 5,000 | 4% cashback at Majid Al Futtaim. |
| AED 208.95 (waivable) | Free | 3.56% | AED 5,000 | 3% 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 |
|---|---|---|---|---|---|
| Free | Free | 3.14% | AED 5,000 | 4% cashback at Majid Al Futtaim. |
| AED 208.95 (waivable) | Free | 3.56% | AED 5,000 | 3% back in SHARE Points at Carrefour and Majid Al Futtaim destinations. |
ENBD SHARE Platinum Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 5,000
Highlight4% cashback at Majid Al Futtaim.
ADIB SHARE Visa Platinum Card
Annual feeAED 208.95 (waivable)
Joining feeFree
Foreign transaction fee3.56%
Min. salaryAED 5,000
Highlight3% back in SHARE Points at Carrefour and Majid Al Futtaim destinations.
Which card is better for what
Two answers compare ENBD SHARE Platinum and ADIB SHARE Visa Platinum 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 2,400 of the total as non-AED and takes each card's foreign transaction fee off the annual result.
Those months are all AED 8,000 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: none for ENBD SHARE Platinum and none for ADIB SHARE Visa Platinum, whose AED 209 fee its own spend waiver covers at these totals. Both need a salary of AED 5,000 a month.
Best for general everyday spend: ADIB SHARE Visa Platinum
ADIB SHARE Visa Platinum returns more across the whole profile — AED 672 a year against AED 398, after each card's annual fee.
Modelled monthly spend
GroceryAED 2,500
Fuel, Transportation +5 moreAED 1,900
Everything elseAED 3,600
TotalAED 8,000
Annual return
ENBD SHARE Platinum Credit Card0.41% of the profile, after everything+ AED 398
ADIB SHARE Visa Platinum Card0.7% of the profile, after everything+ AED 672
Best for spending abroad: ADIB SHARE Visa Platinum
On AED 2,400 of foreign spend a month, ADIB SHARE Visa Platinum charges 3.56%, which comes to AED 1,027 a year. ENBD SHARE Platinum charges 3.14%, which comes to AED 904 a year. The charge is not what decides it: ADIB SHARE Visa Platinum earns more on that spend and keeps a loss of AED 340 a year against a loss of AED 495.
Modelled monthly spend
Spent abroad, in another currencyAED 2,400
Spent in the UAEAED 5,600
TotalAED 8,000
Annual return
ENBD SHARE Platinum Credit Card
Rewards+ AED 409
Foreign transaction fee3.14% on spend abroad– AED 904
Totalthe fee is more than it earns on this profile– AED 495
ADIB SHARE Visa Platinum Card
Rewards+ AED 687
Foreign transaction fee3.56% on spend abroad– AED 1,027
Totalthe fee is more than it earns on this profile– AED 340
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD SHARE Platinum Credit Card
SHARE Points
Carrefour, Majid Al Futtaim Destinations
4%
AED 0
4% · AED 0
Carrefour, Majid Al Futtaim Destinations
3%
AED 0
3% · AED 0
Fast Food, Insurance, Car Dealers
0.19%
AED 0
0.19% · AED 0
Fast Food, Insurance, Car Dealers
1.25%
AED 0
1.25% · AED 0
Charity
0.75%
AED 0
0.75% · AED 0
Charity
0.25%
AED 0
0.25% · AED 0
Fuel, Transportation +5 more
0.07%
AED 0
0.07% · AED 0
Fuel, Transportation +5 more
0.25%
AED 0
0.25% · AED 0
Grocery
0.19%
AED 0
0.19% · AED 0
Grocery
0.25%
AED 0
0.25% · AED 0
Other Spends
0.75%
AED 0
0.75% · AED 0
Other Spends
1.25%
AED 0
1.25% · AED 0
VOX Cinemas BOGO
—
VOX Cinemas BOGO
—
Valet Parking
—
Valet Parking
AED 600
Annual Fee
Free
Annual Fee
– AED 208.95
Total
+ AED 0
Total
+ AED 391
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 8,000 month ADIB SHARE Visa Platinum comes out ahead by AED 274 a year, AED 672 against AED 398 for ENBD SHARE Platinum. 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 Visa Platinum 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.
Neither card charges an annual fee on these profiles, so every figure above is kept in full and there is no break-even to clear on either side.
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ENBD SHARE Platinum Credit Card
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ENBD SHARE Platinum Credit Card vs ADIB SHARE Visa Platinum Card: FAQ
Common questions about choosing between ENBD SHARE Platinum Credit Card and ADIB SHARE Visa Platinum Card.