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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

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Get notified about UAE latest credit card products

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Card face-off

ENBD SHARE Platinum vs ADIB SHARE Visa Platinum: which is better in the UAE? (2026)

Emirates NBD

ENBD SHARE Platinum Credit Card

ENBD SHARE Platinum Credit Card

See full details

Abu Dhabi Islamic Bank (ADIB)

ADIB SHARE Visa Platinum Card

ADIB SHARE Visa Platinum Card

ApplyApply for ADIB SHARE Visa Platinum Card credit cardSee full details

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.

CardAnnual feeJoining feeForeign transaction feeMin. salaryWhy it stands out
ENBD SHARE Platinum Credit Card
ENBD SHARE Platinum Credit Card
FreeFree3.14%AED 5,0004% cashback at Majid Al Futtaim.
ADIB SHARE Visa Platinum Card
ADIB SHARE Visa Platinum Card
AED 208.95 (waivable)Free3.45%AED 5,0003% back in SHARE Points at Carrefour and Majid Al Futtaim destinations.
CardAnnual feeJoining feeForeign transaction feeMin. salaryWhy it stands out
ENBD SHARE Platinum Credit Card
ENBD SHARE Platinum Credit Card
FreeFree3.14%AED 5,0004% cashback at Majid Al Futtaim.
ADIB SHARE Visa Platinum Card
ADIB SHARE Visa Platinum Card
AED 208.95 (waivable)Free3.45%AED 5,0003% back in SHARE Points at Carrefour and Majid Al Futtaim destinations.
ENBD SHARE Platinum Credit Card

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

ADIB SHARE Visa Platinum Card

Annual feeAED 208.95 (waivable)
Joining feeFree
Foreign transaction fee3.45%
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. 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 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
See ADIB SHARE Visa Platinum Card in full

Best for spending abroad: ENBD SHARE Platinum

On AED 2,400 of foreign spend a month, ENBD SHARE Platinum charges 3.14%, which comes to AED 904 a year. ADIB SHARE Visa Platinum charges 3.45%, which comes to AED 994 a year. That leaves ENBD SHARE Platinum ahead over the year, AED 977 against a loss of AED 307.

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
Benefits usedAirport lounge × 8+ AED 1,472
Foreign transaction fee3.14% on spend abroad– AED 904
Total1.02% of the profile, after everything+ AED 977
ADIB SHARE Visa Platinum Card
Rewards+ AED 687
Foreign transaction fee3.45% on spend abroad– AED 994
Totalthe fee is more than it earns on this profile– AED 307
See ENBD SHARE Platinum Credit Card in full

Which card earns more on your spend?

Adjust your monthly spending to see how cashback changes across cards.

ENBD SHARE Platinum Credit Card

Emirates NBD

ENBD SHARE Platinum Credit Card

SHARE Points
ADIB SHARE Visa Platinum Card

Abu Dhabi Islamic Bank (ADIB)

ADIB SHARE Visa Platinum 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
Insurance, Automotive
0.19%
AED 0
0.19% · AED 0
Insurance, Automotive
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
Airport Lounge Access
—
Airport Lounge Access
—
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.

Compare any UAE cards

Try the full rewards calculator

Add more cards, adjust every spending category, and see exactly how much cashback and rewards each UAE credit card earns on your real monthly spend.

Open the calculator

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.

Neither card answers every question. ADIB SHARE Visa Platinum answers one: general everyday spend. ENBD SHARE Platinum answers one: spending abroad. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.

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.

Ready to choose?

Apply online in minutes — no branch visit needed.

ENBD SHARE Platinum Credit Card

ENBD SHARE Platinum Credit Card

ADIB SHARE Visa Platinum Card

ADIB SHARE Visa Platinum Card

ApplyApply for ADIB SHARE Visa Platinum Card credit card

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Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.

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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.

The answer changes with where your money goes: ADIB SHARE Visa Platinum takes one and ENBD SHARE Platinum takes one of the questions in the comparison above. Model your own spend in the calculator there. ADIB SHARE Visa Platinum returns more across the whole profile — AED 672 a year against AED 398, after each card's annual fee.

ENBD SHARE Platinum is free for life. ADIB SHARE Visa Platinum is AED 209 a year, waived at the spend this comparison models. The spec table above shows the live figures.

ENBD SHARE Platinum starts at AED 5,000 a month and ADIB SHARE Visa Platinum at AED 5,000. Both are registry-verified at application, and the spec table above carries the current requirement.

Yes — they are issued by different banks, so holding both is possible subject to each bank's own credit assessment and your total exposure across lenders.

On AED 2,400 of foreign spend a month, ENBD SHARE Platinum charges 3.14%, which comes to AED 904 a year. ADIB SHARE Visa Platinum charges 3.45%, which comes to AED 994 a year. That leaves ENBD SHARE Platinum ahead over the year, AED 977 against a loss of AED 307.