Esaad vs ADCB: which saves more in 2026
Esaad and ADCB in the UAE: 3,021 and 2,386 offers, 97 places in common. Where each saves more, who can get it, what it costs. Checked 9 Nov 2026.
At a glance
| Esaad | ADCB | |
|---|---|---|
| What it is | Free privilege card | Bank |
| Cost | Free | Free for ADCB customers |
| Who can get it | Dubai government employees, staff of connected organisations, GPSSA pensioners. Golden Visa — only Dubai-issued, in certain categories. | ADCB customers, families (school fees, Salik) |
| Active offers | 3,021 | 2,386 |
| Places | 2,751 | 2,198 |
| Typical discount (median) | −20% | −20% |
| Most places in | Dubai (1731), Northern Emirates (384), Abu Dhabi (355) | Dubai (1215), Abu Dhabi (616), Northern Emirates (180) |
Where both work
Both work at 97 places: Esaad saves more at 17, ADCB at 3, the same at 3; 74 can’t be compared (an “up to” discount or a benefit without a percentage).
| Place | Esaad | ADCB | Saves more |
|---|---|---|---|
| Almas Cafe at Radisson Blu Ajman Northern Emirates | 20% off; Discount on total bill | 35% off food & drinks | ADCB |
| Filini at Radisson Blu Ajman Northern Emirates | 20% off; Discount on total bill | 35% off food & drinks | ADCB |
| Mazaj Lounge at Radisson Blu Ajman Northern Emirates | 20% off; Discount on total bill | 35% off food & drinks | ADCB |
| Babati Restaurant & Cafe Dubai | 25% off; Discount on total bill | 15% off food & drinks | Esaad |
| Black Pearl, Al Raha Beach Hotel Abu Dhabi | 30% discount on the total bill | 20% off food & drinks | Esaad |
| JJ Chicken Restaurant Dubai | 25% off; Exclusive discount on total bill | 15% off food & drinks | Esaad |
| Sevilla, Al Raha Beach Hotel Abu Dhabi | 30% discount on the total bill | 20% off food & drinks | Esaad |
| Solidaire Al Ain | 25% off; Exclusive discount on total bill | 15% off food & drinks | Esaad |
| Vinci Dolci Dubai | 25% off; discount on the total bill | 15% off food & drinks | Esaad |
| Bebek Restaurant Dubai | 25% off; Discount on total bill | 20% off food & drinks | Esaad |
| Bombay House Northern Emirates | 20% off; Discount on total bill | 15% off food & drinks | Esaad |
| CLAY Dubai Dubai | 20% off; Discount on total bill | 15% off food & drinks | Esaad |
| Derwandi Dubai | 25% off; Exclusive discount on total bill | 20% off food & drinks | Esaad |
| Derwandi Abu Dhabi | 25% off; Exclusive discount on total bill | 20% off food & drinks | Esaad |
| IchiRyu Ramen House Dubai | 20% off; Discount on total bill | 15% off food & drinks | Esaad |
| MAMMA ITALIA All UAE | 20% off; Discount on total bill | 15% off food & drinks | Esaad |
| Ristorante Loren Dubai | 20% off; Exclusive discount on total bill | 15% off food & drinks | Esaad |
| The Meat Co Dubai | 20% off; Exclusive discount on total bill | 15% off food & drinks | Esaad |
| Tribes Dubai | 20% off; Discount on total bill | 15% off food & drinks | Esaad |
| Vinci Dubai | 20% off; Discount on the total bill | 15% off food & drinks | Esaad |
Buy-one-get-one counts as 50% off. We name a winner only when both cards give a fixed percentage; “up to” offers and benefits without a percentage are not compared. The discount must cover the same service, confirmed in our catalogue.
By category
| Category | Esaad | ADCB |
|---|---|---|
| Restaurants | 593 | 1599 |
| Shopping | 460 | 157 |
| Health | 296 | 98 |
| Spa & beauty | 319 | 63 |
| Hotels | 207 | 60 |
| Services | 213 | 39 |
| Real estate | 210 | 1 |
| Education | 174 | 20 |
Only with Esaad
- The Open Masters Games Abu DhabiAbu DhabiEsaad90% off
- Time Global ShippingDubaiEsaadDiscount from 60% to 80%
- Crystal LightingNorthern EmiratesEsaadDiscount from 30% to 75% on total bill
- Mahallati Jewellery LLCDubaiEsaad75% off diamond jewelry
- Pure GoldAll UAEEsaadDiscount 75% on diamonds and 10% on gold items
- ARD AL AMANIDubaiEsaad70% discount
- Esaad10% discount on postgraduate studies and 40% to 70% on bachelor's studies
- Sparky'sAll UAEEsaadUp to 70% discount
Only with ADCB
- BattmobileDubaiADCBUp to 80% off selected services (min. spend AED 500)
- Al Jebal OpticalsNorthern EmiratesADCBUp to 70% off selected products
- Best OpticalsAbu DhabiADCBUp to 60% off selected frames & sunglasses
- Fair OpticalsAbu DhabiADCBUp to 60% off selected frames & sunglasses
- Le Maria OpticalsAbu DhabiADCBUp to 60% off selected frames & sunglasses
- LifeStyle Fine JewelryAll UAEADCBUp to 60% off
- Spring Fields NurseryAbu DhabiADCBUp to 60% off nursery fees
- Capital Gate TourismAbu DhabiADCB55% off desert safari
Common questions
Which is better, Esaad or ADCB?
It depends on where you spend: Esaad has clearly more places in shopping, health, spa & beauty; ADCB in restaurants. Both work at 97 places: Esaad saves more at 17, ADCB at 3, the same at 3; 74 can’t be compared (an “up to” discount or a benefit without a percentage).
Who can get Esaad?
Dubai government employees, staff of connected organisations, GPSSA pensioners. Golden Visa — only Dubai-issued, in certain categories.
Who can get ADCB?
ADCB customers, families (school fees, Salik)
What if I have both cards?
Each place page in the catalog shows the discounts of all your cards side by side, so you can pay with the one that saves more.