ADIB Infinite Card

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  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts




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  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits Infinite ADIB credit cards offer a plethora of discounts and complimentary services for local and international spending alike. The card also offers membership into the ADIB Rewards program, which can also be used to earn various travel and shopping vouchers. The Infinite ADIB credit card also offers cashback and dedicated customer support, unlike any other card.
ADIB Infinite Card

Features & Benefits of ADIB Infinite Card

The features and benefits of the Infinite ADIB credit card are first in class. These are listed below:

Chip & Pin Cards Infinite ADIB credit cards offer the latest in credit card security, using the innovative Chip & Pin enabled cards. Such types of credit cards contain a unique microchip, which prevents the card from being misused and duplicated.o

Contactless Cards

This ADIB card allows the cardholder to make contactless payments with the NFC enabled cards. A contactless ADIB credit card offers faster and secured transactions, and even causes less damage to the credit card.

Takaful Cover

Owners of the Infinite ADIB credit card can opt-in for the Takaful card protection cover, which indemnified cardholders from making payments in certain conditions. These conditions include involuntary loss of employment, permanent disability, and death. The takaful facility is similar to insurance coverage that provides a blanket of financial protection to the loved ones and family members of the cardholder during unforeseen events. 

Supplementary Cards

Customers can request for 4 free supplementary Infinite ADIB credit cards to share with their family members. These supplementary Infinite ADIB credit cards can be fixed with spending restrictions and share a common credit limit. From the 5th card onwards, any additional Infinite ADIB credit cards are issued for an annual fee of AED 2,000.

Visa Benefits

Visa offers the cardholder with a wide range of Visa Infinite benefits. 

Airport Lounge Access

ADIB Infinite credit card offers unlimited free of charge access to thousands of airport lounges all over the world for the primary cardholder and one additional guest.

Multi-Trip Insurance

This  ADIB credit card gives it cardholders complete peace of mind when traveling,  thanks to its

complimentary multi-trip travel insurance. This insurance policy covers the cardholder, spouse and up  to   5 children (age capped at 75 years per individual) for an amount of up to US$ 1,000,000 for a period of maximum 90 days. This multi-trip travel insurance includes:

  • Medical Cover
  • Personal Accident Cover
  • Travel Inconvenience Cover 

Travel Concierge

A travel concierge can be thought of as a personal assistant and a travel guide all in one.  The Infinite ADIB credit card offers a global concierge that is responsible for making hotel bookings, dining reservations and more.

Overseas Help

During their travels, Infinite ADIB credit cardmembers can avail of legal and medical referrals at any time of the day. These services include expert medical advice, repatriation of remains, interpreter services and more.

Luxury Hotels Collection

Visa offers Infinite ADIB credit card members incredible benefits across its Luxury Hotels Collection, which includes 800+ hotels around the world. Infinite ADIB credit cardmembers can avail of room upgrades, complimentary breakfast, free internet access, late check-outs and more.

Protected Purchases

Purchases made with the Infinite ADIB credit card online or in the store are covered against accidental damage, loss, and theft for a maximum amount of US $6,000 per item. Cardholders also  receive an extended warranty of up to a combined total of 24 months on purchases made with the Infinite ADIB credit card.

Card Fraud Protection

The cardmember is secured against any fraudulent or unauthorized third-party transaction on his or her ADIB Infinite card.

Valet Parking

With this ADIB card, the cardholder can enjoy free parking for up to four times a  month with Valtrans at   the key locations in UAE.

Complimentary Round of Golf

The cardmember along with one companion can enjoy a complimentary round of golf at the following partner clubs:

  • The ELS Golf Club in Dubai
  • The Arabian Ranches Golf Club in Dubai
  • The Abu Dhabi Golf Club in Abu Dhabi
  • Saadiyat Golf Club in Abu Dhabi

Airport Transfers

On every AED 4,000 spent in the last 3  months by the cardmember across hotel and airline bookings, he or she is eligible for a complimentary airport transfer from the Dubai airport.

Meet and Greet Services

Cardholders are offered 2 complimentary Marhaba meet and greet services every year at the Dubai  Airport.

Cash on Call

The cardmember can simply transfer cash from this ADIB card to a selected bank account by contacting the helpline.

Easy Pay

Cardholders can convert their purchases at selected merchants into easy installment payments for a  tenure of 3, 6, 9, or 12 months. This feature is offered with a 100% waiver of the Murhaba profit rate and also at a zero processing fee.

Balance Transfer

The cardholder can consolidate debt on the ADIB card simply by using the balance transfer facility for which the cardholder will have to pay a balance transfer fee. 

Rewards & Offers of ADIB Infinite Card

The Infinite ADIB credit card rewards and offers are: 

Sign up Bonus

ADIB offers cardholders with a sign-up bonus worth 200,000 reward points. 

ADIB Rewards Program

ADIB Rewards is a loyalty program that every Infinite  ADIB  credit card member is enrolled in. Through this program, cardholders are rewarded with incentives such as free flights, hotel reservations and more for making use of their Infinite ADIB credit card.

For every AED 1 spent internationally or locally, the cardholder earns 3 ADIB Rewards points. The redemption value of the points are:

ADIB Rewards Points


Every 10,000

AED 50

Every 100,000

AED 1,000

These points earned by card members can be redeemed across a variety of  spending categories, such  as:

  • Flight bookings
  • Hotel reservation
  • Shopping mall vouchers across 3 malls namely Sharjah Mega Mall, Abu Dhabi Mall, and Sahara Centre – Sharjah


The Infinite ADIB credit card offers discounts on the following expense categories: 

  1. Partnered restaurants in the UAE offer the cardholder up to 25% dining
  2. Hotel reservations made through the official website of com are eligible for a 10%
  3. Car rental services available from the official website of Rentalcars are eligible for a 7% 


Cardholders also earn cash-back on certain expenses made with their Infinite ADIB credit card as follows: 

  1. Cardholders receive 7% cashback for flight tickets at any
  2. Cardholders receive 5% cashback for local and international fuel expenses

Fees and Charges for ADIB Infinite Card

The fees and charges for the Infinite ADIB credit card are detailed in the table below:

Fees Amount

Annual Membership Fees

AED 2,000

Annual Membership Fees on fifth Supplementary Cards

AED 2,000

Profit Rate/ month (with Salary Transfer)

2.99 %

Profit Rate/ month (without Salary Transfer)

3.29 %

Cash Advance limit

100 %

Charges on Cash Withdrawal (ATM)

3 % (99 minimum)

Charges on Card Replacement

AED 75

Excess Transfer of Funds from Card to Account on Cash Cover

AED 100

Late Payment Fee

AED 100

Monthly Payment

5 % (100 minimum)

Grace Period (Monthly Payment)

Maximum 55 days

The commitment of Charity Donation on Late Payments

AED 100

Charges on Temporary Limit Increase

AED 50

Service Fee on Non-AED Transactions

3.1 %

Service Fee on International AED Transaction

1.8 %

Copy of Sales Receipt Fee

AED 25

Copy of Hotel Receipt/Travel Fares Fee

AED 25

Additional Statement Fee (copy)

AED 45

Certificate for Liability/No Liability

AED 50

Charges Returned Cheque

AED 100

Contribution Amount/ month (Optional)

0.9345 fils on each 100 used cover amount

(Updated as of February 2020) 

Documents Required for ADIB Infinite Card

The following are the documents required in order to apply for an ADIB Infinite Card: 

Original and copy of a valid passport

Original and copy of a valid Emirates ID

Last 3 months’ bank account statements

Salary certificate from the present employer that should not be older than 1 month 

Frequently Asked Questions

Q1: Can I obtain a travel insurance letter with this ADIB card? 

Ans: Yes, the ADIB Infinite Card offers the cardholder with a travel insurance letter for the visa needs.

Q2: Can I pay my utility bills with the ADIB Infinite card?

Ans: Yes, you can pay the following bills using your Infinite card:

  • Etisalat bills (Wasel recharge and renewal, GSM, internet, Landline, and e-vision)
  • Electricity and water bills (ADWEA, SEWA, DEWA)

Q3: What are the different ways to bank with ADIB?

Ans: You can bank with ADIB in the following ways:

  • Online Banking
  • Phone Banking
  • SMS Alerts
  • Monthly Statements
  • E-Statements

Q4: How can I pay for this ADIB credit card? 

Ans: You can make your monthly payments on this ADIB in the following ways: 

  1. Payment at any of the ADIB branches
  2. ADIBV CCDM – Cash and Check Deposit Machine
  3. Payment via e-ADIB internet banking
  4. Payment via phone banking
  5. Payment at exchange houses 

Q5: Can I make non-AED transactions on this ADIB card? 

Ans: Yes, you can make non-AED transactions on the ADIB Infinite Card. However, there is a service fee of 3.1% levied on any such transactions.  

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