ADIB Cashback Visa Platinum Card

This ADIB Credit Card offers a huge amount of benefits including cash back, roadside assistance, airport lounge access and more. The cardholder can also avail the facility of cash withdrawal, complimentary grace period, and supplementary cards.
ADIB Cashback Visa Platinum Card

Features & Benefits of the ADIB Cashback Visa Platinum Card

Listed below are some of the key features & benefits of this ADIB Credit Card:

Cash Withdrawal

The cardholder can withdraw cash equivalent to the 100 percent of their finance limit on this credit card.

Grace Period

The ADIB Cash back Visa Platinum Credit Card offers a complimentary grace period of a maximum of 55 days for the repayment of the outstanding balance.

Supplementary Cards

The primary cardholder can also opt for a maximum of four supplementary credit cards on this ADIB Cashback Visa Platinum Card for the eligible family members.

0% Easy Payment Plan

Members of this ADIB Cash back Visa Platinum Credit Card can convert their purchases of AED  1000 and above into equated monthly installments at selected merchants. The easy payment plan is an innovative facility offered by ADIB that allows customers to make hefty payments at once which are later broken into smaller fragments which makes it easier for customers to repay the outstanding amount.

Balance Transfers

The cardholder can transfer their other credit card’s outstanding balance amount to this ADIB card for which the cardholder will have to pay a balance transfer fee.

Easy Cash

The card member can avail the easy cash facility in times of financial emergency. The easy cash 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. 

Tap n Pay

NFC enabled cards (contactless cards) for simple, fast, and secured payments. With ADIB cards you can make safe and contactless transactions with a tap. 

Airport Lounge Access

The card member can avail complimentary access to airport lounges throughout the world, using Veloce Lounge.

Valet Parking

This ADIB Credit Card also offers a maximum of four standard valet parking service monthly at most of the malls in Abu Dhabi and Dubai.

Visa Benefits

Card members can enjoy all Visa platinum benefits provided by Visa. 

Complimentary Roadside Assistance

The card member can avail roadside assistance without any cost. The package includes the following: 

  1. After an accident, the cardholder can avail a car on rent for twenty-four hours on a complimentary
  2. Complimentary Transport Service for registration of the vehicle (in same city), once in a
  3. Complimentary Fuel Delivery Facility
  4. Complimentary Lock out Facility
  5. Complimentary Service for Flat Tire
  6. Complimentary Jump Start Facility
  7. Inter-Emirate Towing up to three times in one year
  8. Complimentary Unlimited Towing Within City Limit Services

Payment Options

Mentioned below are the payment options offered by the bank through which cardholders can pay their credit card bills:

  • ADIB Deposit Machines
  • AI Ansari Exchange
  • ADIB branches
  • UAE Exchange
  • AI Fardan Exchange

Eligibility Criteria and Required Documents for the ADIB Cash back Visa Platinum Credit Card:

Eligibility Criteria

The minimum monthly salary requirement is AED 10,000 to be eligible for this ADIB credit card. 

Required Documents

The applicant needs to submit the following documents in order to complete the ADIB Cash back Visa Platinum Credit Card application procedure: 

  1. Valid Passport (copy and original)
  2. Valid Emirates Identity Card (copy and original)
  3. Bank Account Statement (previous 3 months)
  4. Current Employer Salary Certificate (less than thirty days old)

Rewards & Offers on ADIB Cashback Visa Platinum Card

  • Cash Back: The cardholder can earn cash back of flat one percent, anytime and anywhere using this ADIB Cash back Visa Platinum Credit Card.
  • Dining Discounts: The card member can avail a maximum of 25% discounts on all participating restaurants. 

Fees & Charges on ADIB Cashback Visa Platinum Card

Following are the fees & charges associated with the ADIB Cash back Visa Platinum Credit Card:

Fees Amount

Annual Fees

AED 1000 (Free for 1st year)

Annual Fees on fifth Supplementary Cards

AED 1000

Profit Rate per month (with Salary Transfer)

2.99 percent

Profit Rate per month (without Salary Transfer)

3.09 percent

Late Payment Charge

AED 100

Limit on Cash Withdrawal

100 percent

Cash Withdrawal Charge (ATM)

3 percent (99 minimum)

Card Replacement Charge

AED 75

Excess Fund Transfer from Card to A/c over Cash Cover

AED 100

International Transaction Charge

1.80%

Monthly Payment (monthly)

5 percent (100 minimum)

Monthly Payment Grace Period

Maximum 55 days

Commitment of donation to Charity on Late Payment

AED 100

Temporary Limit Increase Charge

AED 50

Service Charge on Non-AED Transactions

3.1 percent

Service Charge on International AED Transaction

1.8 percent

Sales Receipt Charge (copy)

AED 25

Hotel Receipt/Travel Fares Charge (copy)

AED 25

Additional Statement Charge (copy)

AED 45

Certificate for Liability/No Liability

AED 50

Returned Cheque Charge

AED 100

Contribution Amount per month (Optional)

0.9345 fils on each 100 used cover amount

(The charges are applicable w.e.f. February 20, 2020)

Frequently Asked Questions

Q1: Can I opt for more than 4 add-on/supplementary cards? 

Ans: Yes,  you can opt for more than 4  supplementary cards. But for every card more than 4,  you will  need to pay a fee of AED 1000.

Q2: Can I avail complimentary valet parking facility with the ADIB credit card? 

Ans: You can avail 4 valet parking facilities in a month in Abu Dhabi and Dubai.

Q3: Is the roadside assistance service available with this card? 

Ans: This card comes with a complimentary roadside assistance facility. 

Q4: What are the charges on cash advance or cash withdrawal at ATMs? 

Ans: percent or AED 99 of the withdrawal amount is charged as cash advance charges at ATMs. 

Q5: Do I need to pay any charges for increasing my credit card limit? 

Ans: Yes, you will need to pay AED 50 for increasing the limit of your credit card.

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