Citi Ultima • ADIB Diamond • Marriott ENBD • Mashreq Solitaire • Chase Sapphire Preferred • DIB Infinite (cancellation in progress)
Last verified: 14 Aug 2026
Why: You pay 0% FX fees, instantly saving you ~3% compared to your UAE cards. Plus, you earn 3x points on global dining and 2x on global travel.
Hotels IN the UAE (AED): Use Marriott Bonvoy (ENBD). You earn 6 Marriott Points per $1 spent, with no FX fee. It's an unbeatable return.
Hotels ABROAD (Non-AED):
Option A: Use ENBD to earn 6x points, but accept the ~3% FX fee.
Option B (Safer): Use CSP to earn 2x Chase UR points on travel, or 5x through Chase Travel where pricing makes sense, and avoid the 3% FX fee entirely.
Until a replacement is approved: use CSP for non-AED Emirates purchases. For AED tickets, use Citi Ultima or the retained card whose current reward you value most; do not put new spend on DIB merely to chase a benefit while cancellation is in progress.
Recommended replacement: ADIB Emirates Skywards Visa Infinite if its AED 4,500 fee and natural three-month spend fit. It earns up to 3 Skywards Miles/USD on direct Emirates/flydubai/Emirates Holidays spend, includes Silver, and offers a Gold fast-track. HSBC Skywards Infinite is the lower-threshold value alternative; ENBD Skywards Infinite is attractive only after confirming its limited 125k online offer is still available.
Why: The CSP offers Primary Auto Rental CDW. If you damage the rental car, Chase's insurance covers it directly without you needing to file a claim with your personal car insurance first. Do not use your UAE cards for renting cars.
Why: The CSP's "3x on online groceries" usually excludes UAE local merchants (like Instashop or Carrefour) due to foreign merchant codes. Keep your US card for travel.
ADIB Skywards Infinite candidate (Skywards Miles per USD 1):
Emirates/flydubai/Emirates Holidays: 3 | Foreign: 2 (EEA: 0.8) | Local AED: 1.5 | Restricted categories: 0.25
Citi Ultima (Citi Miles per USD 1):
International: 5 | Local AED: 2.5 | Fuel/Grocery: 2.5 | Govt/Edu/Utilities: 1
ENBD Marriott (Bonvoy pts per USD 1):
Marriott Hotels: up to 6 | General: up to 3 | Reduced categories: 0.75 or 0.30
Mashreq Solitaire (Vantage pts per AED 1):
International: 6 | Travel: 4 | Local: 2 | Other local: 1
CSP (Chase UR pts per USD 1):
Chase Travel: 5x | Dining/online groceries/streaming/gas/EV charging/select vacation rentals: 3x | Travel: 2x | Everything else: 1x
Chase UR and Citi Miles are the flexible currencies in this setup. Confirm availability in the bank app/portal before moving points because transfers are final.
Chase UR via CSP (rates vary):
Airlines: Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Club, Iberia Club, JetBlue TrueBlue, Singapore KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club.
Hotels: World of Hyatt, Marriott Bonvoy, IHG One Rewards, Wyndham Rewards. Important: Chase now shows Hyatt transfers at 4:3 for newer accounts; accounts opened before 15 Jun 2026 retain 1:1 only through 30 Sep 2026 unless Chase changes the terms.
Citi Ultima Citi Miles (generally 1:1):
Airlines: Singapore KrisFlyer, Cathay Pacific Asia Miles, British Airways Club, Etihad Guest, EVA Air Infinity MileageLands, Air France-KLM Flying Blue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles.
Hotels: IHG One Rewards.
Marriott Bonvoy points transfer to 40+ airlines, usually at a weaker 3:1 ratio.
50k after the first eligible purchase, +50k after AED 120k total retail spend in three months, and +50k after AED 55k foreign-currency retail spend in three months. New-card campaign applications close 31 Aug 2026.
ADIB's first 50k needs only an eligible first purchase, but carries a AED 4,500 fee. HSBC Infinite's full 50k needs the fee plus AED 50k eligible spend in 60 days. Pick based on natural spend and net fee value.
Up to 3 miles/USD on direct Emirates/flydubai/Emirates Holidays, Silver, Gold fast-track, four Home Check-Ins, four transfers, lounge access, golf, valet, and Visa travel protections.
HSBC Signature combines a AED 1,050 fee with up to 25k welcome miles and a separate AED 1,000 website cashback offer. EI Infinite has no welcome miles under its current promotion, but can reverse its AED 999 first-year fee after AED 30k spend in 180 days and includes 12 months of Silver.
ADIB wins on bonus, earning, Home Check-In and status path. EI Infinite is the lower-cost covered-card choice when a fee waiver and Silver matter more than a joining bonus.
Keep flexible currencies and avoid another annual fee. This loses automatic Skywards status but is the right answer when bonus thresholds or recurring Emirates benefits will not be used.
| Current UAE Skywards Card | Welcome Offer & Cost | Ongoing Miles / Status | Benefits & Important Gates | Call |
|---|---|---|---|---|
| ADIB Emirates Skywards Visa InfiniteCard · campaign | Up to 150k through 31 Aug: 50k first spend; +50k at AED 120k/3 months; +50k at AED 55k foreign/3 months. AED 4,500 annual fee. | 3/USD Emirates/flydubai/Emirates Holidays; 2 foreign (0.8 EEA); 1.5 local; 0.25 restricted. Silver + Gold fast-track after USD 5k direct Emirates spend. | 4 Home Check-Ins, 4 DXB transfers, lounge access, golf with a guest, 4 valet/month, concierge, travel medical/inconvenience cover. Campaign also offers Tier Miles. | Best benefits Choose only if the fee and natural spend justify it. |
| ADIB Emirates Skywards Visa SignatureSource | Up to 75k: 25k first spend; +25k at AED 75k/3 months; +25k at AED 45k foreign/3 months. AED 1,500 annual fee. | Up to 2.5 miles/USD and complimentary Silver per ADIB's current product materials. | Home Check-In, lounge access, airport-comfort benefits and current ADIB/Visa lifestyle package; lower fee but still high promotional spend. | Strong mid-tier Better than Infinite if the extra benefits and 3-mile earn will not cover AED 3k more fee. |
| Emirates NBD Skywards InfiniteCard · 125k campaign | Special up to 125k: 50k joining fee; +45k at USD 25k/3 statements; +30k at USD 7.5k direct Emirates/12 statements. First 100 eligible online approvals. Product page otherwise shows 100k. Joining fee shown as AED 2,999 on campaign and AED 3,148.95 on product page; AED 1,575 thereafter. | 2/USD selected Emirates/flydubai and other promoted categories; 1.5 international; 1 local; reduced categories apply. Silver while card remains active. | Visa Airport Companion lounges, golf, cinema, concierge, Abu Dhabi valet. No Home Check-In or Gold fast-track shown. | Confirm before applying Good bonus, but the campaign cap and conflicting headline fee require written confirmation. |
| Emirates NBD Skywards SignatureSource | Up to 40k: 15k joining fee; +15k at USD 10k/3 statements; +10k at USD 3.75k direct Emirates/12 statements. AED 1,573.95 joining; AED 735 thereafter. | Up to 1.5 miles/USD; no complimentary Skywards tier shown. | Visa Airport Companion lounges, golf, cinema, concierge and Abu Dhabi valet. Lower ongoing fee than most co-brands. | Low-fee ENBD option Useful only if you do not need Silver and naturally meet the bonus spend. |
| Emirates Islamic Skywards BlackSource | No current joining-miles offer shown on the product page. Premium metal-card fee and optional Gold route are materially higher; confirm the current schedule before applying. | Up to 3.5 Emirates; 2 foreign; 1.5 local. Silver while active; Gold fast-track after paying the membership fee and USD 5k direct Emirates spend in 12 months. | 4 transfers, unlimited lounges + guest after unlock, unlimited golf at AED 10k/month, valet at AED 7.5k/month, Meet & Greet, 25% off buy/gift miles, takaful and purchase protection. | Benefits-rich, poor joining value Pick only if its ongoing earn and Gold path beat ADIB for your quote. |
| Emirates Islamic Skywards InfiniteSource | No miles under current fee-waiver offer. AED 999 first-year fee is reversed after AED 30k retail spend in 180 days; offer ends 31 Aug 2026. | 2 Emirates/flydubai; 1.5 foreign; 1 local; reduced categories. Silver for 12 months, then USD 2.5k direct Emirates annual spend to retain. | Lounges + guest, Meet & Greet, unlimited golf at AED 10k/month, 2 valet at AED 7.5k/month, cinema, concierge, takaful, Sharjah Ladies Club access. | Best budget covered card Choose for Silver and benefits, not for joining miles. |
| Emirates Islamic Skywards SignatureSource | No current joining-miles offer shown. | Up to 1.5 Emirates/flydubai; 1.1 foreign; 0.75 local; reduced categories. No complimentary status is advertised in the current headline benefits. | Lounges + guest after USD 1 unlock, 2 golf rounds at AED 5k/month, 1 valet at AED 5k/month, 2 Meet & Greet at AED 3k/month, hotel and Visa travel benefits. | Skip for this goal Low-cost perks, but it does not replace DIB Silver or maximize a welcome bonus. |
| HSBC Emirates Skywards InfiniteSource | Up to 50k through 31 Aug: 20k after AED 2,625 annual fee; +30k after AED 50k eligible spend/60 days. AED 30k salary. | 2.75 direct Emirates/flydubai AED; 1.5 non-AED; 1 AED; 0.25 restricted. Silver. Miles do not expire while both card and Skywards account remain open. | Unlimited lounges + guest after annual USD 1 unlock, 3 beach-club visits/month, Careem Plus, Zomato Gold, cinema, travel insurance up to USD 500k, Visa hotels and Tier Miles campaign. | Best balanced replacement Recommended when ADIB's three-month spend is too aggressive. |
| HSBC Emirates Skywards SignatureSource | Up to 25k: 10k after fee; +15k and Silver fast-track after AED 20k/60 days. AED 1,050 annual fee. Separate online offer advertises AED 1,000 cashback through 31 Aug. | 1.75 direct Emirates/flydubai AED; 1 non-AED; 0.75 AED; 0.1 restricted. From year two, Silver needs AED 180k annual eligible spend including AED 10k direct Emirates. | 12 lounge visits after annual USD 1 unlock, Careem Plus, Zomato Gold, cinema, travel insurance, Visa hotels and Tier Miles campaign. | Best moderate-spend offer Excellent first-year net value if both miles and cashback eligibility are confirmed. |
| DIB Skywards InfiniteSource | Up to 75k: 25k activation; 25k balance transfer of at least AED 50k/6 months; 25k at USD 20k/4 statements. AED 2,500 fee. | 2 Emirates; up to 1.5 foreign; up to 1 local; 0.3 restricted. Silver. | 4 transfers and valet require AED 8k/month; lounges + guest after unlock; insurance, purchase protection and roadside assistance. | Not your replacement Your DIB cancellation in progress overrides the product's market availability. |
| DIB Skywards SignatureSource | Up to 30k: 15k activation +15k after AED 30k balance transfer/6 months. AED 1,500 fee. | 1.5 Emirates; up to 1 foreign; up to 0.75 local; 0.2 restricted. No Silver. | 2 transfers and valet require AED 5k/month; 8 lounges/year after unlock; Visa hotel, insurance and roadside benefits. | Same issuer—skip |
| DIB Skywards PlatinumSource | Current DIB catalogue advertises up to 5k bonus miles. | Entry-tier Skywards earning; no premium tier replacement. | 0% Emirates easy-payment-plan positioning; materially fewer premium benefits. | Same issuer—skip |
| Current Card | Keep / Drop | Fresh 14 Aug 2026 Analysis |
|---|---|---|
| Chase Sapphire Preferred | Keep | Still the hardest card to replace: no foreign transaction fee, primary rental coverage up to USD 60k, broad trip protections, and flexible transfers. It now also has 3x gas/EV charging and select vacation homes, a USD 100 Chase Travel hotel credit, up to USD 120 trusted-traveler credit, Apple TV for one year, and emergency evacuation/transportation cover. Watch the new Hyatt 4:3 transfer ratio. |
| Citi Ultima | Keep if used | Keep for unlimited 3rd Night Free, 50% airline rebate up to AED 2k, 4 Home Check-Ins, 4 Careem airport rides, 14 lounge visits after unlock, and Citi's 11 airline/hotel transfer partners. Citi now advertises AED 1,500 web welcome cashback for new customers, but that is not an existing-card benefit. |
| ENBD Marriott Bonvoy | Keep | The annual 50k Free Night Award after fee payment, Gold, 15 Elite Night Credits, and Marriott earn remain distinct. ENBD now advertises up to 150k welcome points for new applicants; your ongoing value still depends on redeeming the anniversary night above the AED 1,575 fee. |
| ADIB Diamond | Keep for relationship | Current Diamond benefits include selected health clubs, 3 golf rounds per month for you and a friend, Visa Airport Companion access, roadside assistance, branch valet, Visa concierge, safe-deposit access and 25% fine-dining discount. Keep only if the Priority Banking relationship and these benefits are valuable; do not treat generic ADIB covered-card insurance or guest-lounge wording as confirmed Diamond debit benefits. |
| Mashreq Solitaire | Conditional keep | Keep only if AED 10k previous-cycle spend is natural and you use Fitness First, transfers, golf, Marhaba, car assistance or valet. Mashreq now advertises AED 2,500 welcome cashback for new card customers; from 1 Jul 2026 the two valet uses per cycle retain the AED 10k gate. Lounge remains 12 visits after the annual international unlock, otherwise 2. |
| DIB Skywards Infinite | Drop — cancellation in progress | Do not route new spend or future bookings to DIB. Export statements, confirm earned miles have posted, move recurring payments, and verify the exact date on which Silver, lounge, transfer, insurance and purchase-protection eligibility ends. |
| Category | Card & Benefit Details | How to Avail & Notes |
|---|---|---|
| 🎩 VIP Services & Transfers |
Mashreq Solitaire
Marhaba Silver Meet & Greet: 6/year. Airport Transfers: 6/year to/from DXB or Abu Dhabi Airport, max 1/month. Car Assistance: 1 vehicle registration pickup/drop-off per year and 2 vehicle servicing pickup/drop-offs per year. Requires AED 10k eligible spend in the previous billing cycle.
Citi Ultima Marhaba Meet & Greet: 2x/Year (up to 3 travelers, escort + fast track). Airport Fast Track: 3 passes/year. Home Check-in: 4x/Year (via concierge). Transfers: 4 Careem airport rides/year (up to AED 84 each, code: MAUAE6). ENBD Marriott (World Elite) Airport Transfers: 4/year. Courier Service: 12/year. Car Service & Registration: 1/year. DIB Infinite — cancellation in progress Airport Transfers: 4/year between Dubai International Airport Terminal 3 and Abu Dhabi, and vice versa. Emirates Skywards Silver Status: Business class check-in, priority boarding, 12 kg extra baggage, Emirates lounge (DXB), complimentary seat selection. Transfers require booking at least 2 calendar days ahead, an Emirates Airline ticket purchased with the DIB Infinite card within 6 months, and AED 8k minimum monthly spend. If not met, up to AED 335 excluding VAT may be charged.
ADIB Diamond Priority relationship note: The current Diamond lifestyle page does not list a complimentary Marhaba entitlement. Do not rely on a historical or generic covered-card benefit without confirmation from ADIB. |
Mashreq: Book Marhaba, airport transfer, and car services through Mashreq's benefit booking process; AED 10k previous-cycle spend applies. Source
Citi: Call Citi Ultima Concierge at +971 4 311 4000 at least 48h ahead for Marhaba/home check-in/airport services. Source
ENBD Marriott: Book on the Emirates NBD concierge services website at least 2 working days in advance; travel tickets should be paid with the eligible card for airport transfers. Source
DIB: Do not make a future booking unless DIB confirms the transfer will be honored before the effective cancellation date. Existing rules require the DIB portal, an eligible Emirates ticket and AED 8k monthly spend. Source
ADIB: Call 800 200 to confirm any account-specific airport assistance; it is not listed as a standard current Diamond lifestyle benefit. Source
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| 🛋️ Airport Lounges |
ADIB Diamond
Visa Airport Companion access. ADIB's current Diamond page does not publish a numeric visit or guest allowance; use the app as the source of truth. DIB Infinite — cancellation in progress Unlimited visits + 1 guest. Network: DragonPass (Visa Airport Companion). 1,200+ lounges. Requires min 1 USD foreign spend 15 days prior (else USD 32/person). First visit/year is free unconditionally.
Citi Ultima 14 visits/year + 1 guest per visit. Network: Mastercard Travel Pass. 1,200+ lounges. 2 visits free unconditionally. Full 14 unlocked by any 1 USD non-AED transaction (valid 3 months).
Mashreq Solitaire 12 visits/year for cardholder or cardholder + 1 guest. Network: LoungeKey / 1,000+ lounges. Full 12 visits require one international transaction greater than USD 1 per calendar year. Without the unlock, only 2 visits are complimentary.
ENBD Marriott (World Elite) Mastercard Travel Pass lounge/dining offers subject to 2025 capped access rules. Network: Mastercard Travel Pass (DragonPass). 1,200+ lounges. Current support page says Marriott Bonvoy World Elite cardholders receive 2 complimentary airport lounge access / airport dining offers before meeting spend. Subsequent access up to the card cap requires a USD 1 international transaction within 3 months plus AED 5,000 monthly spend in the month used; otherwise USD 32 or benefit-equivalent charges may apply.
Chase Sapphire Preferred No lounge access included. Use UAE cards for lounges.
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ADIB: Register in Visa Airport Companion / LoungeKey and show the digital membership at the lounge. Source
DIB: Use only while the app still shows valid complimentary access and before the effective cancellation date; do not rely on it for future trips. Source
Citi: Register on Mastercard Travel Pass and make the qualifying non-AED transaction to unlock the full annual allowance. Source
Mashreq: Use LoungeKey access after the >USD 1 international transaction unlock; allow up to 15 days for eligibility to show. Source
ENBD Marriott: Register/re-enroll on Mastercard Travel Pass and confirm free access in the app before each trip. Source
CSP: No lounge redemption flow because lounge access is not included. Source
Strategy: Use Citi after its non-AED unlock or Mashreq after its annual international unlock. Use ADIB only when Visa Airport Companion shows the visit as complimentary. Treat ENBD Marriott as a capped backup and do not plan future access around DIB.
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| 🏨 Hotel Perks |
Citi Ultima
3rd Night Free: Any hotel worldwide, unlimited usage, no blackout dates (via concierge, min 3 consecutive nights). 50% Off Flight: 1x/year, up to AED 2,000 rebate (via concierge). ENBD Marriott (World Elite) Gold Elite Status: 25% bonus points on stays, room upgrades (subject to availability), 2 PM late checkout. 15 Elite Night Credits/year (only need 35 nights for Platinum instead of 50). 1 Free Night Award/year (up to 50,000 points value, on annual fee payment). Platinum Elite: Achievable at US$100k annual card spend. DIB Infinite — cancellation in progress Visa Luxury Hotel Collection: 900+ properties — upgrades, free breakfast, late checkout, USD 25 F&B credit. Chase Sapphire Preferred Up to $100 Annual Hotel Credit (via Chase Travel portal). Mashreq Solitaire Travel/Luxury Hotel Positioning: Earns elevated Vantage points on travel and international spend. Use mainly when a Mashreq-specific travel offer outweighs UAE FX fees. |
Citi: Book 3rd Night Free and the annual flight discount through Citi Ultima Concierge (+971 4 311 4000). Source
ENBD Marriott: Free Night Award posts after annual fee payment; redeem in Marriott Bonvoy. Elite status/ENCs are linked through the card's Marriott Bonvoy account setup. Source
DIB: Do not make a new hotel booking that depends on DIB benefits continuing after cancellation. Source
CSP: Book eligible hotel stays through Chase Travel to trigger up to $100 in statement credits each account anniversary year. Source
Mashreq: No fixed hotel-status redemption flow listed here; use the card/app for Mashreq travel offers and Vantage redemptions when they beat other options. Source
Strategy: For 3+ night hotel stays, always check Citi concierge first (3rd night free). For Marriott properties in AED, use ENBD for 6x points + Gold perks.
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| 🚗 Valet Parking |
DIB Infinite — cancellation in progress
4 Visits/Month at 18 locations (min spend AED 8k prior month). DXB Airport (T1/T2/T3), MOE, Mirdif, Deira CC. ADIB Diamond Complimentary valet at select ADIB branches. The current Diamond page does not state four monthly visits at third-party locations. ENBD Marriott (World Elite) 4 Visits/Month (1 hour each) at select malls. Khalidiya Mall, Yas Mall, Yas Waterworld, Ferrari World. Citi Ultima 2 Visits/Month (Valtrans). DXB Airport (T1/T2/T3), MOE, Mirdif, Deira CC. Mashreq Solitaire 2 Visits/Billing Cycle at premium Dubai and Abu Dhabi locations including Dubai Mall, Ibn Battuta Mall, Mall of the Emirates, DXB, Yas Mall, Ferrari World, Yas Waterworld, and Marina Mall. Requires AED 10k eligible spend in the previous billing cycle; usage fees apply if not met.
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DIB: Do not rely on valet after the effective cancellation date; confirm any final use in advance. Source
ADIB: Present the Diamond debit card at a participating ADIB branch and confirm availability first. Source
ENBD: Book via the Thriwe/ENBD benefits platform or follow the card benefit portal instructions before arrival. Source
Citi: Use Valtrans locations and identify the service as Citi complimentary valet; pay/validate with Citi Ultima. Source
Mashreq: Present/use Solitaire at eligible valet locations after confirming AED 10k previous-cycle spend; charges apply if the spend gate is not met. Source
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| 🛡️ Insurance & Protections |
Chase Sapphire Preferred
Primary Auto Rental CDW: Up to $60,000 (theft + collision, vehicles up to $125k MSRP, up to 31 days). Trip Cancellation/Interruption: Up to $10,000/person, $20,000/trip. Trip Delay: $500/person (12+ hour delay). Baggage Delay: $100/day for 5 days (6+ hour delay). Lost Luggage: Up to $3,000/traveler. Emergency Evacuation and Transportation: Up to $100,000 for covered trips 100+ miles from home. Purchase Protection: $500/claim, 120 days. Extended Warranty: +1 year (on warranties up to 3 years). DIB Infinite — cancellation in progress Travel Insurance: Up to USD 500,000 (multi-trip, family covered, 90 days/trip). Purchase Protection: 365 days against theft/damage. Extended Warranty: Doubles manufacturer warranty (+1 year). ADIB Diamond The current Diamond lifestyle page does not confirm card-paid travel insurance, purchase protection, or extended warranty. Those claims appear in generic ADIB covered-card materials and should not be merged into Diamond Priority/debit benefits.
Citi Ultima Travel Insurance: Up to USD 500,000 (accident, medical, trip cancellation, luggage). Rental Vehicle CDW: Up to USD 50,000. Mashreq Solitaire Travel Insurance: Multi-trip insurance for local and international trips up to 90 days when travel tickets are purchased using the Solitaire card. All UAE Cards Schengen Compliant Medical: Travel insurance letter generatable for visa applications. |
CSP: Pay the full eligible rental/trip purchase with CSP and decline the rental company's collision damage waiver for CDW. Claims are handled through Chase's benefits administrator. Source
DIB: Do not place new insured travel or protected purchases on a card being cancelled. For an existing claim, confirm the purchase date, incident date and post-cancellation eligibility with DIB/Visa. Source
ADIB: Confirm the exact card product before relying on insurance or protection. The comparison PDF describes covered cards, while the Diamond page describes Priority/debit lifestyle benefits. Covered-card source
Citi: Pay eligible travel/rental purchases with Citi Ultima and claim through Citi/card benefit insurance channels. Source
Mashreq: Purchase travel tickets with Solitaire, then generate/request the travel insurance certificate through Mashreq. Source
ENBD: Generate Schengen/travel insurance letters through Emirates NBD card support channels where eligible. Source
Strategy: Pay eligible rental cars with CSP and decline the rental company's collision waiver as required. For expensive purchases, compare CSP and Citi's current written protection terms; do not rely on DIB or unconfirmed ADIB Diamond coverage.
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| ⛳ Golf |
Citi Ultima
Unlimited weekday rounds. 1 weekend round/month. Courses available via concierge. Mashreq Solitaire 4 complimentary games per billing cycle, with a cap of 2 weekend games. Courses include Arabian Ranches GC, Abu Dhabi GC, The Track Meydan, The Els Club, and Jebel Ali GC. Requires AED 10k eligible spend in the previous billing cycle.
ADIB Diamond 3 rounds/month for the member and a friend. Current published courses: Abu Dhabi Golf Club and The Els Club (subject to closure/availability notices). DIB Infinite — cancellation in progress 2x/month + 1 guest at 5 UAE courses. The Els Club, Arabian Ranches GC, Abu Dhabi GC. Discounts at 14 more clubs (UAE & Muscat). ENBD Marriott Complimentary rounds via Thriwe (AED 30 processing fee). |
Citi: Book through Citi concierge/e-form and follow the course booking rules. Source
Mashreq: Book through Mashreq's golf benefit booking flow after meeting AED 10k previous-cycle spend. Source
ADIB: Call ADIB at 800 200 or use the Diamond booking process; confirm course availability and guest terms. Source
DIB: Do not make a future golf booking unless DIB confirms eligibility before the effective cancellation date. Source
ENBD: Book via emiratesnbdbenefits.thriwe.com; AED 30 processing/no-show terms may apply. Source
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| 🎬 Cinema & Dining |
Citi Ultima
VOX Cinema: 4x B1G1/month (any day). Reel Cinema: 2x B1G1/month. Talabat: 20% off (max AED 14), 1x/month. Mashreq Solitaire Cinema: 50% off movie tickets at VOX, Reel, Novo, and Cinepolis; up to 8 movie tickets/month. Dining: Mashreq dining and partner offers vary by campaign. ENBD Marriott VOX & Reel: 3x B1G1/month (2D, 3D, 4DX, Premium). 25% off cinema F&B. Dining: Earn/redeem Bonvoy pts at 200+ UAE restaurants. DIB Infinite — cancellation in progress VOX: B1G1 on Sundays (Standard). Roxy: 20% off weekdays (Ultra Premium, Platinum Plus, Classic Silver Plus). Dining: 25% off Zomato, B1G1 Costa Coffee, Visa Offers MENA app (5,000+ deals). ADIB Diamond Dining: 25% off fine dining at ~100 UAE restaurant locations. |
Citi: Use the Bank Offers section on VOX/Reel apps or websites and pay with Citi Ultima; use Talabat offer in-app where available. Source
Mashreq: Use Mashreq card offers at VOX/Reel/Novo/Cinepolis checkout; no minimum spend stated for movie discount. Source
ENBD Marriott: Select Emirates NBD/Mastercard cinema offers at VOX/Reel checkout and pay with the Marriott card. Source
DIB: Do not plan future offers around a card being cancelled; any final use must post before the effective closure date. Source
ADIB: Use the ADIB Diamond dining offer at participating fine dining locations and pay with the eligible card. Source
Best cinema value: Citi Ultima for B1G1 structure; Mashreq Solitaire for broad 50% off movie-ticket coverage with no minimum spend.
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| 🏋️ Gym & Wellness |
Mashreq Solitaire
Fitness First: Unlimited complimentary visits for primary and supplementary cardholders. Requires AED 10k eligible spend in the previous billing cycle. If not met, Mashreq states a fee applies per visit.
DIB Infinite — cancellation in progress Emirates Towers Health Club: Full facility access, any day, anytime. ADIB Diamond Free gym/pool access at:
Daily member cap applies. Male-only timings at some locations.
ENBD Marriott 20% off spa treatments at participating Marriott hotels (cardholder + 1 guest). |
Mashreq: Present Solitaire at participating Fitness First outlets after AED 10k previous-cycle spend; small authorization charges may be reversed per terms. Source
DIB: Do not rely on health-club access after cancellation; confirm any final visit before arrival. Source
ADIB: Present ADIB card at participating hotel/club reception; arrive early because daily caps/timing restrictions may apply. Source
ENBD Marriott: Book spa treatments directly with participating Marriott hotels and pay with the card. Source
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| 🔧 Concierge & Roadside |
Citi Ultima
24/7 Citi Ultima Concierge: Travel, hotels (3rd night free bookings), flights, lifestyle. Call: +971 4 311 4000. ADIB Diamond Visa Infinite Concierge: 24/7 (800 0441 3487). Roadside Assistance: Included; the current Diamond page does not publish numeric service limits, so confirm them with ADIB. DIB Infinite — cancellation in progress Visa Infinite Concierge: 24/7 worldwide (hotels, flights, restaurants, events). Roadside Assistance: 5x/year — towing, battery boost, flat tire, lockout, fuel, off-road extraction. Bonus: Free international driving license. Mashreq Solitaire Car Assistance: 1 vehicle registration pickup/drop-off per year and 2 vehicle servicing pickup/drop-offs per year. Requires AED 10k eligible spend in the previous billing cycle.
Chase Sapphire Preferred Visa Signature Concierge: 24/7 (basic tier). Roadside Dispatch: 24/7 towing, flat tire, jump start, lockout (service fees apply). |
Citi: Call Citi Ultima Concierge at +971 4 311 4000 for travel, hotel, flight, and lifestyle bookings. Source
ADIB: Use Visa Infinite Concierge and ADIB roadside assistance channels; call the number shown in ADIB/Visa benefit materials. Source
DIB: Do not rely on concierge or roadside assistance after cancellation; confirm service eligibility before requesting a final use. Source
Mashreq: Book car assistance through Mashreq's service process after meeting AED 10k previous-cycle spend. Source
CSP: Call the Visa Signature Concierge / Roadside Dispatch benefit number from Chase/Visa benefit materials; roadside services are pay-per-use. Source
Best concierge: Citi Ultima (handles hotel 3rd-night-free and flight discount bookings).
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| 📱 CSP Digital Perks |
Chase Sapphire Preferred
DoorDash: Free DashPass + $10/month grocery/retail credit (activate by 12/31/2027; promo credit through 12/31/2027). Lyft: 5x points on all rides (through 9/2027). Peloton: 5x points on equipment >$150 (through 12/2027). Apple TV: 1 complimentary year when activated by 12/31/2026. Trusted Traveler: Up to $120 Global Entry, TSA PreCheck, or NEXUS credit every 4 years. Instacart: Prior Sapphire offer ended in 2024; no active CSP credit found in current Chase terms. Streaming / gas / EV charging / select vacation rentals: 3x categories now listed by Chase, alongside dining and online groceries. Up to $100 Annual Hotel Credit (Chase Travel). 10% Anniversary Bonus: Bonus points = 10% of prior year's total spend. |
DoorDash: Activate DashPass in the DoorDash app linked to your CSP. Source
Lyft/Peloton/Apple TV/Trusted Traveler/Hotel Credit: Pay with CSP where required; hotel credit requires booking through Chase Travel. Source
Instacart: No active CSP credit found in current Chase terms; do not rely on this as an active benefit unless Chase republishes it. Source
Most of these perks are US-based services. Useful when visiting the US.
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