ADIB Business Credit Cards in UAE

By Ruchi Gohri
  | Published: 27 October 2021 | Last Updated On: 28 October 2021

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Abu Dhabi Islamic Bank is one of the best-performing banks in the UAE. The bank offers impeccable, best-in-class banking products and services such as bank accounts, credit cards, takaful, wealth management, loans, mortgages, and more.

ADIB business credit cards are laden with exciting deals and discounts on dining, cinemas, entertainment, and more to help the cardholders get the best out of their expenditure experiences. The cardholders can access their credit card details by simply logging into their online or mobile banking account. This helps them keep a close track of their finances while saving more. Keep reading to know more about ADIB business credit cards.

Best ADIB Business Credit Cards in UAE 

Abu Dhabi Islamic Bank offers two types of business credit cards – 

  1. ADIB Business Platinum Covered Card 
  2. ADIB Business Gold Covered Card

ADIB Business Platinum Covered Card

ADIB Business Platinum Covered Card is one of the best business credit cards in the UAE. The credit card comes with a covered card limit of up to AED 250,000. 

ADIB Business Platinum Covered Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 800
  • Airport Lounge Access
  • Roadside Assistance

Features & Benefits of ADIB Business Platinum Covered Card

  • Interest Rate: ADIB Business Platinum Covered Card charges an interest rate of 3 percent on the outstanding balance of the cardholders.
  • Cash Withdrawal: ADIB Business Platinum Covered Card allows card members to withdraw cash of up to 60 percent of the available credit limit. This helps them fulfill their financial needs.
  • Chip & Pin​Technology: ADIB Business Platinum Covered Card offers advanced Chip & Pin​Technology to help cardholders make secure payments. 
  • Roadside Assistance: ADIB Business Platinum Covered Card offers free roadside assistance services for cardholders. With this service, the cardholders can contact the help and support team to seek assistance when they are stuck on the road due to a vehicle breakdown, empty fuel tank, or any other reason. 
  • Golf Discounts: ADIB Business Platinum Covered Card members can avail of attractive discounts at various Golf Clubs across the world, including the 14 Golf Clubs in the UAE.
  • Movie Tickets Offers: ADIB Business Platinum Covered Cardmember can get a 50 percent discount on movie tickets at VOX Cinemas with a capping of up to 10 free tickets every month.
  • Airport Restaurant Offers: ADIB Business Platinum Covered Card offers free access to more than 200 airport restaurants throughout the world.
  • Hotel Bookings Offers: ADIB Business Platinum Covered Card members can get up to an 8 percent discount on the hotel bookings made via hotels.com using an ADIB business credit card.
  • Extended Warranty: ADIB Business Platinum Covered Card members can get an extended warranty for the products bought using this ADIB business credit card.
  • Purchase Protection: ADIB Business Platinum Covered Card members can get purchase protection against the loss or damage caused to the products bought using this ADIB business credit card within a specific duration.
  • SMS Alerts: ADIB Business Platinum Covered Card members get real-time notifications on their registered mobile number for the transactions made using this ADIB business credit card. 

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ADIB Business Gold Covered Card

ADIB Business Gold Covered Card is a popular business credit card in the UAE. The credit card comes with a covered card limit of up to AED 150,000 for the cardholders. 

ADIB Business Gold Covered Card
Airport Lounge Access
  • Minimum Salary AED 8000
  • Annual Fee AED 400
  • Airport Lounge Access
  • Roadside Assistance

Features & Benefits of ADIB Business Gold Covered Card

  • Interest Rate: ADIB Business Gold Covered Card charges an interest rate of 3 percent on the outstanding balance of the cardholders.
  • Chip & Pin​Technology: ADIB Business Gold Covered Card offers advanced Chip & Pin​Technology to enable cardholders to make easy, quick, and secure payments. 
  • Hotel Bookings Offers: ADIB Business Gold Covered Card members can get up to an 8 percent discount on the hotels bookings made via hotels.com using ADIB business credit card.
  • SMS Alerts: ADIB Business Gold Covered Card members get real-time notifications on their registered mobile number for the transactions made using this ADIB business credit card. 
  • Roadside Assistance: ADIB Business Gold Covered Card offers free roadside assistance services for cardholders. With this service, the cardholders can contact the help and support team to seek assistance when they are stuck on the road due to a vehicle breakdown, empty fuel tank, or any other reason. 

Fees & Charges of ADIB Business Credit Cards

Types of Charges

ADIB Business Platinum Covered Card

ADIB Business Gold Covered Card

Annual membership fee

AED 800

AED 400

Subscription fee

AED 100

AED 100

Supplementary Card

AED 100

AED 100

Supplementary Card annual fee

2 per cent

2 per cent

Murabaha monthly profit rate amount

3 per cent of the amount, minimum

3 per cent of the amount, minimum

Cash withdrawal fee

AED 99

AED 99

Obligatory donation fee in case of late payment

AED 100

AED 100

Non-AED transaction service fee

3.10 per cent

3.10 per cent

Card replacement fee

AED 100

AED 100

Statement re-print fee

AED 50

AED 50

Receipt copy request fee for retail or cash

AED 25

AED 25

Receipt copy request fee for travel or entertainment

AED 100

AED 100

Temporary increase limit fee

AED 50

AED 50

Minimum amount due

10 per cent

10 per cent

International transaction fee

1.80 per cent

1.80 per cent

Cash advance limit

60 per cent

60 per cent

Grace period for payment

Up to 55 Days

Up to 55 Days

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Eligibility Criteria to Apply for ADIB Business Credit Cards

Type of ADIB Business Credit Card

Eligibility Criteria

ADIB Business Platinum Covered Card

  • All UAE Nationals and Expats are eligible for this credit card.
  • The applicant must have a minimum monthly salary of AED 8,000
  • The applicant must have a good credit score.

ADIB Business Gold Covered Card

  • All UAE Nationals and Expats are eligible for this credit card.
  • The applicant must have a minimum monthly salary of AED 8,000
  • The applicant must have a good credit score.

Documents Required When Applying for ADIB Business Credit Cards

Type of ADIB Business Credit Card

Documents Required

ADIB Business Platinum Covered Card

  • A completely filled out application form
  • Emirates ID for all the partners – Original and a copy
  • A valid Passport for all the partners – Original and a copy
  • UAE Residency Visa – Original and a copy
  • Trade License – Original and a copy
  • Memorandum of Association
  • Chamber of Commerce Membership Certificate
  • Other Subsequent Amendments
  • Board Resolution, if any
  • Power of Attorney
  • Appointment Letter/Salary Certificate/Pay Slips of the last three months (for income verification of salaried applicants)
  • Proof of Residence – Original and a copy
  • Post-dated cheques for security purposes
  • Bank Statement of the last six to twelve months (for income verification of self-employed applicants)
  • Credit copy (in case the applicant holds another bank credit card)

ADIB Business Gold Covered Card

  • A completely filled out application form
  • Emirates ID for all the partners – Original and a copy
  • A valid Passport for all the partners – Original and a copy
  • UAE Residency Visa – Original and a copy
  • Trade License – Original and a copy
  • Memorandum of Association
  • Chamber of Commerce Membership Certificate
  • Other Subsequent Amendments
  • Board Resolution, if any
  • Power of Attorney
  • Appointment Letter/Salary Certificate/Pay Slips of the last three months (for income verification of salaried applicants)
  • Proof of Residence – Original and a copy
  • Post-dated cheques for security purposes
  • Bank Statement of the last six to twelve months (for income verification of self-employed applicants)
  • Credit copy (in case the applicant holds another bank credit card)

How to Apply for an ADIB Business Credit Card?

Here are a few simple ways to apply for your chosen ADIB Business Credit Card.

  • Internet Banking - Abu Dhabi Islamic Bank offers Online Banking Portal to help its customers easily manage their finances. The existing ADIB customers can login to this online banking portal and apply for the preferred ADIB Business Credit Card in just a few clicks. All they need to do is go to the requests section, fill out the application form, and upload the required documents to complete the application process.
  • Mobile Banking - ADIB also offers a mobile banking app for its customers to help them have all the banking products and services just a few taps away. The existing ADIB customers can also use this app to apply for their desired ADIB Business Credit Card. First, these applicants need to go through the registration process to get a unique banking ID and password. Once done, they can use these credentials to login to the mobile app and fill out the application form in the requests section. The applicants need to submit this form with all the essential documents.
  • Bank’s Website - The applicants who are new to Abu Dhabi Islamic Bank can visit the bank’s website and fill out the online application form to apply for their chosen credit card. They can either upload the supporting documents on the website or place a request for one of the bank representatives to collect the documents from home.
  • Bank’s Branch - The applicants can also visit one of the ADIB branches to apply for their preferred business credit card. They need to carry all the essential documents and submit them with the application form to streamline the whole process. 
  • Our Website - This is the best and most convenient way of applying for a credit card. The applicants can visit our website and go to the credit cards section to find their chosen ADIB Credit Card. They can go through the detailed features and benefits of the credit card and apply for the same in just a few clicks. The applicants can also call our helpdesk in case they need any help. Our experts will guide them through the process and help them submit the credit card application with great ease.
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Ruchi Gohri
Ruchi Gohri

Senior Content Writer | She has a penchant for writing and with over 5 years of experience, she plays around with words elegantly, crafting simple content for all to read. In her free time, she loves her couch either to read or catch on to her sleep.