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Abu Dhabi Islamic Bank (ADIB)

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.
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 | 3.45% | 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 | 3.45% | AED 5,000 | 3% back in SHARE Points at Carrefour and Majid Al Futtaim destinations. |

ENBD SHARE Platinum Credit Card

ADIB SHARE Visa Platinum Card
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.
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
Annual return
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
Annual return
Adjust your monthly spending to see how cashback changes across cards.

Emirates NBD
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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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.
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ENBD SHARE Platinum Credit Card
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Common questions about choosing between ENBD SHARE Platinum Credit Card and ADIB SHARE Visa Platinum Card.