ADIB Cashback Credit Cards in UAE

By Atul Yadav
  | Published: 26 October 2021

Average Rating / 5 (ratings ) | 184 Views
Credit Card in UAE
Apply for a Credit Card
& get access to your AECB Credit Score*

T&C Apply

Get cashback up to AED 2000

Cancel
Cancel
By Clicking on "Proceed", I declare that I am a resident of UAE and holding a valid Visa and agree to the website Privacy Policy and Terms of Use.

Established in 1997 as a public joint-stock company, Abu Dhabi Islamic Bank started operating commercially in 1998 with a paid-up capital of AED 1 billion. Within 24 years, the bank has created a customer base across the UAE and abroad through its sharia-compliant services. The bank offers a wide range of Islamic banking products and services, including personal and business accounts, deposit schemes, credit and loan services, and sharia approved investment banking. 

Apart from the banking services, the bank also offers various sharia-compliant credit cards in UAE. Amongst numerous credit cards, ADIB cashback credit cards in UAE are popular for their cashback and reward programs. Additionally, most of the ADIB cashback cards do not include annual charges, thus making them affordable for the citizens. In this article, you will find the benefits, features and ways of acquiring these credit cards. 

Best ADIB Cashback Credit Cards in UAE

ADIB Cashback Gold Credit Card

ADIB Cashback Gold Credit Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee AED 500
  • Cashback
  • Travel Discount
  • Instant SMS updates
  •  

Features & Benefits of ADIB Cashback Gold Credit Card

  • As a Cashback Gold credit cardholder, you get 1% cashback on each local and international expenditure.
  • Get complimentary roadside assistance across the UAE. 
  • Get unlimited towing service within the city limits and up to 3 times interstate towing services in a year. 
  • Avail of a free rental car for 24 hours in case of accidents.
  • Get complimentary access to premium airport lounges around the world. 
  • Get up to 55 days of interest-free period for credit card bill repayment.  
  • You can withdraw cash of up to 100% credit limit. 

ADIB Cashback Platinum Credit Card

ADIB Cashback Platinum  Credit Card
Cashback
  • Minimum Salary AED 10,000
  • Annual Fee AED 1,000
  • Cashback
  • Airport Lounge Access
  • Free for 1st year
  • Dining Discounts

Features & Benefits of ADIB Cashback Platinum Credit Card

  • Earn 1% cashback on every credit card expense within and outside of UAE. 
  • Get unlimited towing service within the city limits and up to 3 times interstate towing services in a year. 
  • Get a free rental car for 24 hours in case of an accident. 
  • Get roadside assistance with just a call in the UAE. 
  • Avail of free tyre repair, fuel delivery, lockout and jumpstart services in the city limits. 
  • Get unlimited airport lounge access across the globe via Veloce Lounge. 
  • Avail of interest-free days of up to 55 days for credit card bill payment. 
  • Get up to 4 supplementary credit cards without any extra charges. 
  • Avail of up to 100% cash advance of your credit limit.  

ADIB Edge Credit Card

ADIB Edge Credit Card
Cashback
  • Minimum Salary AED 30,000
  • Annual Fee AED 750
  • Cashback
  • Valet Parking
  • Golf Benefits
  • Airport Lounge Access

Features & Benefits of ADIB Edge Credit Card

  • As an ADIB Edge credit cardholder, you can earn up to 10% cashback on dining and hotel bills across UAE. 
  • Get up to 2.5 reward points for each AED spent in UAE and 0.25 reward points for every AED spent at a specific merchant. 
  • Convert your rewards into cashback and earn additional discounts on flight or hotel booking, shopping, etc. 
  • Get 24/7 complimentary roadside assistance in UAE. 
  • Avail of unlimited towing service within city limits and 3 times towing services per year across the Emirates.  
  • Get unlimited airport lounge access across the globe via LoungeKey.
  • Avail of multi-trip travel insurance for both local and international travel. 
  • Get convenient bill payment options through online and mobile banking.
  • Avail of purchase protection and extended warranty to safeguard your purchased items. 

ADIB Value Credit Card

ADIB Value Credit Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Cashback
  • Free for Life
  • Dining Discounts
  • Special Discounts

Features & Benefits of ADIB Value Credit Card

  • Earn rewards points for each local and international credit card spending in AED.
  • Use your reward points for free flight booking and shopping vouchers.
  •  Redeem the reward points to avail of shopping mall vouchers in select malls in Abu Dhabi and Sharjah.
  • Pay utility bills conveniently via online and mobile banking.
  • Get purchase protection of up to 365 days and an extended warranty of 12 additional months to safeguard your purchased items.

ADIB Value Plus Credit Card

ADIB Value Plus Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Cashback
  • Free for Life
  • Dining Discounts
  • Airport Lounge Access

Features & Benefits of ADIB Value Plus Credit Card

  • Earn exclusive rewards on each local and international expense.
  • Use your reward points to avail yourself of free flight tickets and shopping vouchers across various malls.
  • Redeem the reward points to avail of shopping mall vouchers in select malls in Abu Dhabi and Sharjah.
  • Pay utility bills conveniently via online and mobile banking.
  • Get purchase protection of up to 365 days and an extended warranty of 12 additional months to safeguard your purchased items.

Features of ADIB Cashback Credit Cards

ADIB credit cards come with a host of features offering complete security and affordability to the customers. With lenient salary requirements and chip and pin safety, you don’t need to worry about finances; just keep earning the cashback and rewards on each expense. Important features of ADIB cashback credit cards include -

  • Salary Requirement - To avail of a cashback credit card from ADIB, individuals need to fulfil the salary requirement. Generally, the salary requirement for a cashback card ranges between AED 5000 to 10000. 
  • Annual Membership Fee - ADIB charges an annual membership fee depending on the credit card type. A few cashback credit cards are free for life, while a few cards are free for the first year. Individuals need to verify the charges at the time of application. Annual charges for cashback credit cards range between AED 0 to AED 1000. 
  • Rewards and Cashback Programs - ADIB offers extensive rewards and cashback on each local and international expenditure using the cashback credit card. You can avail of extra discounts through rewards points and shopping vouchers.
  • Balance Transfer Facility - ADIB credit cards come with a balance transfer facility to provide you with convenient financial management. The balance transfer feature allows you to transfer the outstanding balance on another credit card at lower profit rates and provide you with an extended repayment period. 
  •  Cash Advance Facility - Using the ADIB cashback credit card, you can withdraw cash up to 100% of the credit limit. However, you should not withdraw cash using a credit card since it levies hefty charges. 
  • Complimentary Airport Lounge Access - ADIB credit cardholders get complimentary access to premium airport lounges across the UAE and around the world via LoungeKey and Veloce Lounge. 
  • Credit Card Protection and Security - The bank offers impeccable security features to credit cardholders. While your transactions are secured through the chip and pin dual security feature, your purchases are secured through extended warranty and purchase protection. 
  • Sharia-Compliant Credit Cards - Each ADIB credit card is designed according to the highest standards of Sharia Laws and follows the Islamic banking methods of making profits. 

Benefits of ADIB Cashback Credit Cards in UAE

As loyalty benefits, ADIB credit cardholders receive cashback and rewards on daily credit card expenses. The bank also gives access to exclusive offers on the ADIB cashback credit card from time to time. Individuals can redeem the cashback points to get additional benefits/discounts. A list of benefits of ADIB cashback credit cards are as follows - 

  • The cashback credit cardholder gets a flat 1% cashback on each AED spent anywhere around the world. 
  • The credit cards offer free roadside assistance such as toeing, jumpstart, fuel delivery and more across the UAE. 
  • ADIB credit cards are among the few cards in the UAE that allow cash withdrawal of up to 100% of the credit limit.
  • The cards also offer complimentary airport lounge access worldwide through Veloce Lounge. 
  • The ADIB cashback credit cardholders get an extended grace period of up to 55 days to repay their card bills. 
  • Avail of reward points on each local and international spending and later redeem the points to get extra discounts on your purchases. 
  • You can redeem your reward points to avail of shopping vouchers at select malls in Sharjah and Abu Dhabi. 
  • Avail of various dining entertainment and other lifestyle benefits from time to time using best cashback credit cards in UAE from ADIB. 
  • The cardholders can easily pay off their monthly credit card bills through deposit machines, UAE exchange houses, and ADIB branches. 

List of ADIB Cashback Credit Card in UAE with Salary Requirment

Amongst the range of credit cards, ADIB offers five credit cards with exclusive cashback and rewards points. Following are the top cashback credit cards from ADIB. 

ADIB Credit Card Type

Requirement

ADIB Cashback Gold Credit Card

  • A minimum salary requirement of AED 8,000 or above per month

ADIB Cashback Platinum Credit Card

  • A minimum salary requirement of AED 8,000 or more per month

ADIB Edge Credit Card

  • A minimum salary requirement of AED 15,000 or more per month

ADIB Value Credit Card

  • A minimum salary requirement of AED 8,000 or more per month. 

ADIB Value Plus Credit Card

  • A minimum salary requirement of AED 8,000 or more per month. 

Eligibility Criteria to Apply for ADIB Cashback Credit Cards

To acquire an ADIB credit card, individuals need to satisfy a few eligibility criteria. Each card has different criteria than the other, so applicants need to ensure they fulfil the required criteria for their preferred card. Following are the basic eligibility criteria to apply for an ADIB cashback credit card. 

  • An applicant should be at least 21 years of age.
  • Must satisfy the minimum salary requirements for the card he/she is applying for.
  • UAE nationals and residents require Emirates ID and the expats need to submit a copy of their passport and visa with address details.

Documents Required for ADIB Cashback Credit Cards

Individual needs to submit the following documents to apply for the ADIB Cashback Credit Card.

  • A valid passport and its copy for validation and record (for expats).
  • Original and copy of a valid Emirates ID (for residents and UAE nationals).
  • Latest bank account statements (last 3 months).
  • Salary slip/certificate issued by the present employer (not more than a month old).

Note: The bank may ask you to submit additional documents at its discretion for verification and record.

How to Apply for ADIB Cashback Credit Cards?

Individuals can easily apply for the ADIB cashback credit cards using online or offline channels at their convenience. Following are the ways you can use to apply for the ADIB credit cards. 

  • Online Application - You need to visit the ADIB official website, select your preferred credit card and enter personal details. Subsequently, the bank will contact you for the further application process within the next two business days.
  • Offline Application - To apply offline, you need to visit the nearest ADIB bank with all the required documents and fill the application form as instructed. Use the bank’s website to locate the nearest branch.
  • Apply via Phone - You can also apply for an ADIB cashback credit card via a phone call. All you need to do is call on the customer support number provided on the official website. 

Fees & Charges on ADIB Cashback Credit Cards

ADIB credit card includes various charges such as annual membership fee, retail finance charges, processing fees, etc. The following list depicts major ADIB credit card charges.

ADIB Credit Card Annual Membership Fee

ADIB Cashback Gold Credit Card

AED 500

ADIB Cashback Platinum Credit Card

AED 1,000

ADIB Edge Credit Card

AED 750

ADIB Value Credit Card

No annual charges

ADIB Value Plus Credit Card

No annual charges

Other Charges and Fees

Monthly Profit Rates (Without Salary Transfer)

3.09% per month

Cash Advance Fee

3% or AED 99 (whichever is higher)

Grace Period

55 days from the transaction date

Supplementary Cards Charges

Free for up to 4 supplementary cards

Cash Withdrawal Limit

100% of the credit limit on all cards

Other Bank's Cashback Credit Card in UAE

Cashback Credit Cards in UAE
DIB Cashback Credit Cards in UAE RAKBANK Cashback Credit Cards in UAE
Mashreq Cashback Credit Cards in UAE Emirates Islamic Cashback Credit Cards in UAE
Standard Chartered Cashback Credit Cards in UAE  

Frequently Asked Questions

How can I redeem the cashback on ADIB cashback credit cards?

Individuals with ADIB cashback credit cards need to log in to their online account, choose the rewards/cashback redemption option to claim their rewards.

Do I need to pay an annual membership fee for each supplementary credit card?

No, ADIB offers up to 4 free supplementary credit cards. Thereafter, you need to pay the annual charges as per the bank’s norms.

Is there a salary requirement for a cashback credit card?

Yes, an applicant will have to fulfil the salary requirement during credit card application.

Atul Yadav
Atul Yadav0 Post

Atul has had a flair for writing ever since he started writing essays in school, which inspired him to subsequently opt for a career in writing. He loves to write about places he's been to (the list is endless) and financial products that can help people make a real change in planning their finances better.