ADIB Credit Cards

The Abu Dhabi Islamic Bank, also known as ADIB was founded in Abu Dhabi in 1997. It was formally inaugurated in 1999 by the UAE Minister for Information and Culture, Abdullah Bin Zayed Al Nahyan. ADIB follows the principles of Islamic Banking; all ADIB credit cards are completely sharia-compliant.

ADIB trades in the Abu Dhabi stock exchange (known as the Abu Dhabi Securities Exchange or ADX), under the heading of ADX: ADIB. With a paid-up capital of AED 1 billion, each ADIB share holds a market value of AED 10. ADIB credit cards have captured the hearts of the UAE public. The bank itself has been recognized year after year for its commitment to world-class Islamic Banking. The bank has gained a huge following in the UAE thanks to the stunning range of ADIB credit card offers and the generous contribution made to the UAE community. From sports activities such as football and cricket to talent workshops, employee development programs, the building of a new mosque in Fujairah and organizing mass weddings for financially dependent UAE citizens, ADIB has proven itself to be a driving force for positive social change. 

Types of ADIB Credit Cards

ADIB credit cards are divided into 8 categories. Before you check the various ADIB credit card offers, you should first understand how Islamic Banking works.  Islamic banking operates on principles of the Quran and Sunnah. As per these principles, ADIB credit cards are forbidden from charging Riba or Interest. Instead, the bank earns a monthly profit rate. This profit rate is further reduced on making a minimum monthly salary transfer to your ADIB credit card account. The different type of ADIB credit cards available are as follows: 

Etihad Cards

• ADIB Etihad Visa Classic Card
• ADIB Etihad Gold Card
• ADIB Etihad Visa Platinum Card

Booking.com Cards

• ADIB Booking.com Infinite Card
• ADIB Booking.com Signature Card

Etisalat Cards

• ADIB Etisalat Classic Card
• ADIB Etisalat Gold Card
• ADIB Etisalat Visa Platinum Card
• ADIB Etisalat Visa Signature Card

Rewards Cards

• ADIB Value Card
• ADIB Value+ Card
• ADIB Edge Card

Cashback Cards

• ADIB Visa Cashback Card
• ADIB Cashback Visa Platinum Card

Business Covered Cards**

• ADIB Business Gold Covered Card
• ADIB Business Platinum Covered Card

Other Cards

• ADIB Spice Card
• ADIB Football Card
• ADIB Dana Master Card

ADIB Rotana Rewards Card**

• ADIB Rotana Rewards Exclusive Visa Card

Emirates Skywards Card

• ADIB Emirates Skywards World Elite Card
• ADIB Emirates Skywards World Card

** Features and Benefits are available only for existing customers and not available for new customers.

Etihad Cards

These ADIB credit cards offer the cardholder an opportunity to earn Etihad Guest Miles. 

a.  ADIB Etihad Visa Classic Card

• Annual Fee: AED 500*
• Monthly Profit Rate with a Salary Transfer: 2.99%
• Monthly Profit Rate without a Salary Transfer: 3.09%

* Member of Etihad’s frequent flyer program- The Etihad Guests are charged a discounted annual fee of AED 200 on this ADIB credit card.

Benefits of ADIB Etihad Visa Classic Credit Card: 

• This ADIB credit card offers cardholder a chance to earn Etihad Guest miles, which can be redeemed on travel & flight bookings, on home furniture & accessories and purchases of electronic items.
• ADIB credit card member can earn:
  • 1 Etihad Guest Mile on international spends worth AED 4.
  • 75 Etihad Guest Miles on local spends worth AED 4.
  • 25 Etihad Guest Miles on AED 4 spent on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations. 

• The cardholder can use 12,500 Etihad Guest Miles to pay the annual fee for their ADIB credit card.
• The cardholder can avail complimentary roadside assistance such as flat tyre, lockout, fuel delivery, and jump-start services. Also, it offers free unlimited towing services to the city limit and inter Emirate towing services of up to 3 times annually.
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash. 

b.  ADIB Etihad Gold Card

• Annual Fee: AED 1000*
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09%

* Member of Etihad’s frequent flyer program- Etihad Guests are charged a discounted annual fee of AED 350 on this ADIB credit

Benefits of  ADIB Etihad Gold Credit Card: 

• This ADIB credit card offers cardholder a chance to earn Etihad Guest miles, which can be redeemed on travel & flight bookings, on home furniture & accessories and purchases of electronic items.
• ADIB credit card owners can earn:
  • 5 Etihad Guest Miles on international spends of AED 4.
  • 1 Etihad Guest Mile on local spends of AED 4.
  • 5 Etihad Guest Miles on AED 4 spent on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations. 

• The cardholder can avail 2 free airport lounge passes every year in over 850 airports globally.
• Upon spending AED 150,000 with this ADIB credit card, the cardholder earns a voucher for a free companion ticket to any destination and in any class.
• The cardholder can use 30,300 Etihad Guest Miles to pay for their ADIB credit card annual fee.
• The cardholder can avail complimentary roadside assistance such as flat tyre, lockout, fuel delivery, and jump-start services. Also, it offers unlimited tow up facility to the city limits every year, inter-emirate tows thrice a year, a free 24-hour rent a car service in case of an accident, and free transport facility for vehicle registration within the city once a year.
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.
• An expedited membership to the silver tier of the Etihad Guest program on taking 4 return flights with Etihad within a period of 12 months. 

c.  ADIB Etihad Visa Platinum Card

• Annual Fee: AED 2,000*
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09%

* Members of Etihad’s frequent flyer program- Etihad Guest are charged a discounted annual fee of AED 700 on this ADIB credit card.

Benefits of ADIB Etihad Visa Platinum Credit Card: 

• This ADIB credit card offers cardholder a chance to earn Etihad Guest miles, which can be redeemed on travel & flight bookings, on home furniture & accessories and purchases of electronic items.
• ADIB credit card members can earn:
  • 3 Etihad Guest Miles on every international purchase of AED 4.
  • 2.2 Etihad Guest Miles on every local purchase of AED 4.
  • 1 Etihad Guest Mile on AED 4 spent on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations. 

• The cardholder can avail 4 free airport lounge passes every year for over 850 airports globally
• Upon spending AED 150,000 with this ADIB credit card, the cardholder can earn a voucher for a free companion ticket to any destination and in any class
• The cardholder can use 60,600 Etihad Guest Miles to pay the annual fee of their ADIB credit card
• The cardholder can avail complimentary roadside assistance such as flat tyre, lockout, fuel delivery, and jump-start services. Also, it offers unlimited tow up service to the city limits every year, inter-emirate tow up service thrice a year, a free 24-hour rent a car service in  case of  an  accident and free transport service for vehicle registration within the city once a year
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash
• An expedited membership to the gold tier of the Etihad Guest program on taking 2 flights with Etihad within a period of 12 months. 

ADIB Booking.com Cards

The com line of ADIB credit cards is designed by keeping the needs of frequent travelers in mind. These ADIB credit cards offer incredible benefits on hotel, airline and travel bookings.

a.  ADIB Booking.com Infinite Card

• Annual Fee: AED 2,000
• Monthly Profit Rate with a Salary Transfer: 3.29%
• Monthly Profit Rate without a Salary Transfer: 3.29% 

Benefits of ADIB Booking.com Infinite Credit Card: 

• The member of the Com Infinite ADIB credit card earns 3 reward points on AED 1 spent locally or internationally.
  • Every 10,000 Reward Points are worth AED 50.
  • Every 100,000 Reward Points are worth AED 1,000.

• The accumulated rewards points can be redeemed on: 
  • Flight tickets
  • Hotel reservations
  • Shopping mall vouchers 

• The ADIB credit card owner along with a companion can gain unlimited access to over 1,000 airport lounges
• The member of this ADIB credit card can avail of a 10%   discount on select hotels booked through com. The card enables the cardholder to earn Genius membership for availing additional discounts and perks on Booking.com.
• The member can avail a flat 7% discount on booking flight tickets of any This cashback is capped at AED 300 per month.
• The member can avail a 7 % discount on car rental bookings at com
• The ADIB credit card offers a 5% cashback on fuel purchases (domestic as well as international). This cashback is capped at AED 100 per month.
• The member can avail a free round of golf along with one companion at these ranges:
  • The ELS Golf Club in Dubai
  • Arabian Ranches Golf Club in Dubai
  • The Abu Dhabi Golf Club in Abu Dhabi

• The member can avail 25% dining discount at participating restaurants.
• The ADIB credit card member can avail 4 complimentary parking every month at select locations through the Valtrans valet
• This ADIB credit card offers access to the Marhaba service twice a year free of cost at the Dubai Airport. Marhaba is a meet and greet service which helps expedite the immigration and security process, and provides an escort to the arrivals
• The member can avail complimentary travel insurance, trip inconvenience cover and medical insurance. The member can avail purchase protection cover and extended warranty cover.
• The ADIB credit card member can withdraw up to 100% of their available credit limit as cash. 

b.  ADIB Booking.com Signature Card

• Annual Fee: Fee-free for the first year. AED 299 from the second year onwards.
• Monthly Profit Rate with a salary transfer: 3.29%
• Monthly Profit Rate without a salary transfer: 3.29% 

Benefits of ADIB Booking.com Signature Credit Card: 

• The Booking.Com Infinite ADIB credit card member can earn 2 reward points on every 1 AED spent locally and internationally.
  • Every 10,000 Reward Points are worth AED 50.
  • Every 100,000 Reward Points are worth AED 1,000.

• These rewards points can be redeemed on:
  • Flight tickets
  • Hotel reservations
  • Shopping mall vouchers 

• The ADIB credit card owner and along with a companion can gain complimentary access to over 1,000 airport lounges globally.
• The member of the ADIB credit card can get a 10% discount on select hotels booked through com. The card member earns Genius membership for availing additional discounts on Booking.com.
• The member can avail flat 5% cash back on booking flight tickets of any This cashback is capped at AED 300 per month.
• The member can avail 7% discount for car rental bookings.
• The ADIB credit card offers a 4% cashback on fuel purchases (domestic or international).
• The member can avail a 25% dining discount at participating restaurants.
• The ADIB credit card member can avail complimentary parking four times a month at select locations through the Valtrans valet parking.
• The member can avail complimentary travel insurance cover, trip inconvenience cover and medical insurance cover.
• The member can avail purchase protection cover and extended warranty cover.
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash. 

Etisalat Cards

The Etisalat range of ADIB credit cards is a perfect choice for credit card applicants who love to talk on the phone. Etisalat is a leading telecom company in the UAE and is preferred by the majority of residents for their daily communication needs.

a.  ADIB Etisalat Classic Card

• Annual Fee: No annual fee
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09% 

Benefits of ADIB Etisalat Classic Credit Card : 

• This ADIB credit card offers the cardholder the chance to earn Etisalat Smile The accumulated Etisalat Smile points can be redeemed for talk time, flight tickets, hotel reservations, car rentals, retail and grocery store purchases, and movie tickets.
• The card member can earn:
  • 1.5 Etisalat Smile points by spending AED 1 on local and international purchases.
  • 1 Etisalat Smile point by spending AED 1 on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations. 

• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.
• The member of this ADIB card can enjoy up to 25% discounts across various partner restaurants,

b.  ADIB Etisalat Gold Card

• Annual Fee: AED 299
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09% 

Benefits of this ADIB Etisalat Gold Credit Card:

• This ADIB credit card offers the cardholder the chance to earn Etisalat Smile The accumulated Etisalat Smile points can be redeemed for talk time, flight tickets, hotel reservations, car rentals, retail and grocery store purchases, and movie tickets.
• The non-self-funded cardholder can earn:
  • 3 Etisalat Smile points for every AED 1 spent on local and international purchases.
  • 1 Etisalat Smile point for every AED 1 spent on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations. 

• The self-funded cardholder can earn:
  • 2 Etisalat Smile points for every AED 1 spent on local and international purchases.
  • 1 Etisalat Smile point for every AED 1 spent on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations 

• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.
• The member of this ADIB card can enjoy up to 25% discounts across various partner restaurants.

c.  ADIB Etisalat Visa Platinum Card

• Annual Fee: AED 999
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09% 

Benefits of ADIB Etisalat Visa Platinum Credit Card: 

• This ADIB credit card offers the cardholder the chance to earn Etisalat Smile The accumulated Etisalat Smile points can be redeemed for talk time, flight tickets, hotel reservations, car rentals, retail and grocery store purchases, and movie tickets.
• The non-self-funded cardholder can earn:
  • 4 Etisalat Smile points for every AED 1 spent on local and international purchases.
  • 1 Etisalat Smile point for every AED 1 spent on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations. 

• The self-funded cardholder can earn:
  • 2 Etisalat Smile points for every AED 1 spent on local and international purchases.
  • 1 Etisalat Smile point for every AED 1 spent on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations. 

• One of the many ADIB Visa Platinum card benefits is that it allows the cardholder to withdraw up to 100% of their available credit limit as cash.
• The member of this ADIB card can enjoy up to 25% discounts across various partner restaurants.
• The ADIB card member can avail 4 complimentary valet parking every month at selected locations.
• The cardholder can enjoy complimentary airport lounge access in over 60 airport locations across the world.

d.  ADIB Etisalat Visa Signature Card

• Annual Fee: AED 1,199
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09% 

Benefits of ADIB Etisalat Visa Signature Credit Card: 

• This ADIB credit card offers the cardholder the chance to earn Etisalat  Smile    The accumulated Etisalat Smile points can be redeemed for talk time, flight tickets, hotel reservations, car rentals, retail and grocery store purchases, and movie tickets.
• The non-self-funded cardholder can earn:
  • 6 Etisalat Smile points for every AED 1 spent on local and international purchases.
  • 1 Etisalat Smile point for every AED 1 spent on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations.

• The self-funded cardholder can earn:
  • 3 Etisalat Smile points for every AED 1 spent on local and international purchases.
  • 1 Etisalat Smile point for every AED 1 spent on grocery shopping, government spending, utility bill payments, education bills, fuel purchases, public transport charges, toll taxes, and charity or religious donations. 

• • The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.
  • The member of the Visa Signature Etisalat ADIB credit card can avail free valet parking services selected locations up to 4 times every month.
  • This ADIB credit card offers the cardholder access to 850+ premium airport lounges across the globe.
  • The cardholder can avail complimentary roadside assistance such as flat tyre, lockout, fuel delivery, and jump-start services. Also, it offers unlimited tow up service to the city limits, inter-emirate tow up service thrice a year, transportation and drop off service for vehicle registration, and complimentary 24 hours car rental in case of an accident..

ADIB Rewards Cards

The Rewards ADIB credit card rewards the cardholder with shopping vouchers, dining discounts,  flight tickets and much more.

a.  ADIB Value Card

• Annual Fee: This ADIB credit card is free for life.
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09%

Benefits of this ADIB Value Credit Card: 

• The ADIB credit card offers enrollment of cardholders into the ADIB Rewards loyalty program. The cardholder can earn Reward  Points that can be redeemed for shopping vouchers in malls such as Sharjah Sahara Centre, Sharjah Mega Mall, and Abu Dhabi Mall. The accumulated Reward Points can also be redeemed for flight tickets in any desired The cash value of Rewards Points is as follows:
  • Every 10,000 Rewards Points are worth AED 50.
  • Every 100,000 Rewards Points are worth AED 1,000. 

• The member of the ADIB credit card can earn the following Rewards Points: 
  • Reward Points for every AED 1 spent on international purchases.
  • 1 Reward Point for every AED 1 spent on domestic purchases.

• The cardholder can avail 25% dining The complete list of restaurants and their respective ADIB credit card offers can be found online.
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.
• The cardholder can avail the facility of purchase protection. Under the purchase protection plan, any new item purchased with the ADIB credit card is protected for a year from the date of If it is damaged, lost or stolen within this time, ADIB offers the cardholder a full refund up to the US $5,000.
• The member of this ADIB credit card also enjoys the extended warranty service for the purchases. Under this service, the retailer’s or manufacturer’s warranty period is automatically extended for a total of 24 months.
• The cardholder may also opt for optional Takaful on the card, which provides insurance coverage in case of sudden unemployment, illness, medical expenses, permanent disability, and death. 

b.  ADIB Value+ Card

• Annual Fee: Free for life.
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09%

Benefits of ADIB Value + Card Credit Card: 

• The ADIB credit card offers the cardholder an enrollment into the ADIB Rewards loyalty program. The cardholder can accumulate Reward Points that can be redeemed for shopping vouchers in malls such as Sharjah Sahara Centre, Sharjah Mega Mall, and Abu Dhabi Mall. The accumulated   Rewards   Points can also be redeemed for booking flight tickets in any desired airline. The cash value of Rewards Points is as follows:
  • Every 10,000 Rewards Points are worth AED 50.
  • Every 100,000 Rewards Points are worth AED 1,000.

• The member of the ADIB credit card can earn Rewards Points in the following ways:
  • 2 Reward Points for every AED 1 spent on international purchases.
  • 1 Reward Point for every AED 1 spent on domestic purchases.

• The card member can avail unlimited complimentary lounge access to 10+ partnered GCC The list of airport lounges can be found online.
• The card member can avail 25% dining The complete list of restaurants and their respective ADIB credit card offers can be found online.
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.
• The cardholder is eligible for the Master TITANIUM benefits offered by MasterCard. 

c.  ADIB Edge Card

• Annual Fee: AED 750
• Monthly Profit Rate with a Salary Transfer: 2.99%
• Monthly Profit Rate without a Salary Transfer: 2.99% 

Benefits of ADIB Edge Credit Card: 

• The ADIB credit card offers cardholder enrollment into the ADIB Rewards Loyalty The cardholder accumulates Reward Points that can be redeemed for shopping vouchers valid in malls such as Sharjah Sahara Centre, Sharjah Mega Mall, and Abu Dhabi Mall. The accumulated   Rewards   Points can be redeemed for booking flight tickets in any desired airline. The cash value of Rewards  Points is as follows:
  • Every 10,000 Rewards Points are worth AED 50.
  • Every 100,000 Rewards Points are worth AED 1,000.

• The member of the ADIB credit card can earn Rewards Points in these ways:
  • 2.5 Reward Points for every AED 1 spent on international or domestic purchases.
• The ADIB credit card member can avail free of charge lounge access passes to 1,000+ airport lounges The primary cardholder can bring one guest along with him/her.
• The card member can avail cashback up to 10% on dining in UAE.
• The card member can avail 25% dining The complete list of restaurants and their respective ADIB credit card offers can be found online.
• The card member can avail a complimentary round of golf every month at the Arabian Ranches Golf Club.
• The card member can avail complimentary roadside assistance such as flat tyre, lockout, fuel delivery, and jump-start services. Also, they can avail unlimited tow-up service to the city limits, inter-emirate tow- up service thrice a  year, transportation and drop off service for vehicle registration, and complimentary   24 hours car rental service in case of an accident.
• The ADIB credit card member can avail free valet parking service at selected locations in the UAE up to 4 times every month. 
• The primary cardmember can avail complimentary travel insurance, trip inconvenience cover and medical insurance for themselves, their spouse and up to 5 children.
• The cardholder can avail access to purchase protection. Under the purchase protection plan, any new item purchased with the ADIB credit card is protected up to a year from the date of If it is damaged, lost or stolen within this time period, ADIB offers the cardholder a full refund up to the US $7,500.
• The member of this ADIB credit card also enjoys the extended warranty service for the purchases. Under this service, the retailer’s or manufacturer’s warranty period is automatically extended for a period of up to 1 year.
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.
• The member is also offered card fraud protection services, under which there is a protection provided against any fraudulent transactions made by a third-party.
• The cardholder can also request for a travel insurance letter for his or her Visa application requirements.
• The cardholder can opt for optional Takaful, which provides them with insurance coverage in case of sudden unemployment, illness, medical expenses, permanent disability, and death. 

Cashback Cards

Available in Visa and Visa Platinum variants, this ADIB credit card offers amazing cashback The ADIB Visa Platinum card benefits are far more inclusive than its standard Visa counterpart.

a.  ADIB Visa Cashback Card

• Annual Fee: No annual fee for the first year. AED 500 for subsequent years.
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09% 

Benefits of this ADIB Credit Card: 

• The member of this ADIB credit card is eligible for 1% cashback on any and every purchase made both internationally and locally. 
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.
• The member of this card can avail complimentary roadside assistance such as flat tyre, lockout, fuel delivery, and jump-start services. Also, it offers unlimited tow-up service to the city limits, inter-emirate tows-up service thrice a year, transportation and drop off service for vehicle registration, and complimentary 24 hours car rental service in case of an accident.
• The cardholder can avail complimentary access to 150+ airport lounges across the globe through Veloce The list of partnered airports can be found online.
• The member of this ADIB card can enjoy up to 25% discounts across various partner restaurants. 

b.  ADIB Cashback Visa Platinum Card

• Annual Fee: No annual fee for the first year. AED 1,000 for subsequent years. 
• Monthly Profit Rate with a salary transfer: 2.99% 
• Monthly Profit Rate without a salary transfer: 3.09% 

Benefits of ADIB Cashback Visa Platinum Card :

• The member of this ADIB Platinum credit card is eligible for 1% cashback on any and every purchase made both, internationally and domestically.
• The ADIB Visa Platinum card benefits enable the cardholder to withdraw up to 100% of their available credit limit as cach.
• The card member can avail complimentary roadside assistance such as flat tyre, lockout, fuel delivery, and jump-start services. Also, it offers unlimited tow-up service to the city limits, inter-emirate tow-up service thrice a year, transportation and drop off service for vehicle registration, and complimentary 24 hours car rental service in the case of an accident.
• ADIB Visa Platinum card benefits include complimentary access to 150+ airport lounges across the globe through Veloce The list of partnered airports can be found online.
• The member of this ADIB Platinum credit card can avail free valet parking service at selected locations across UAE.
• The member of this ADIB card can enjoy up to 25% discounts across various partner restaurants. 

Business Covered Cards*

The Islamic Business Covered ADIB credit card was the first of its kind in the UAE. It enabled employers to set a fixed credit limit for daily expenses incurred during the course of operations.

a.  ADIB Business Gold Covered Card

• Annual Fee: AED 400
• Monthly Murabaha Profit Rate: 3% of the total 

Benefits of ADIB Business Gold Covered Card: 

• This ADIB credit card offers an AED 150,000 covered card limit.
• The card comes with an advanced Chip & Pin technology for secure transactions.
• The cardholder can enjoy free roadside assistance with this ADIB credit card.

b.  ADIB Business Platinum Covered Card

• Annual Fee: AED 800
• Monthly Murabaha Profit Rate: 3% of the total 

Benefits of ADIB Business Platinum Credit Card: 

• This ADIB Platinum credit card offers AED 250,000 covered card limit.
• The member of the Business Covered ADIB Platinum credit card can withdraw up to 60% of their credit limit.
• The card comes with an advanced Chip & Pin technology for secure transactions.
• The cardholder can enjoy free roadside assistance with this ADIB credit card. 

* Features and Benefits available only for existing customers and not available for new customers. 

Other ADIB Credit Cards

Created for a diverse range of spenders, this line of ADIB credit cards offer travel benefits, cashback, discounts and more.

a.  ADIB Spice Card

• Annual Fee: AED 199
• Monthly Profit Rate with a Salary Transfer: 3.09%
• Monthly Profit Rate without a Salary Transfer: 3.09%
• Minimum Monthly Income Required: AED 8,000 for UAE nationals and AED 12,000 for 

Benefits of this ADIB Spice Credit Card: 

• Upon spending AED 3,000 on a  monthly basis, the cardholder can unlock amazing ADIB credit card  offers such as:
  • Up to 9% cashback on any restaurant expense (up to AED 200).
  • Up to 7% cashback on any grocery purchase (up to AED 100).
  • Up to 4% cashback on fuel expenses (up to AED 50).
  • Up to 1% cashback on payments for utility bills (up to AED 50). 

• The ADIB credit card offers enrollment of cardholders into the ADIB Rewards loyalty program. The cardholder can earn Reward Points, which can be redeemed for shopping vouchers in malls such as Sharjah Sahara Centre, Sharjah Mega Mall, and Abu Dhabi Mall. The accumulated   Rewards   Points can also be redeemed for flight tickets in any desired airline. The cash value of Rewards Points is as follows:
  • Every 10,000 Rewards Points are worth AED 50.
  • Every 100,000 Rewards Points are worth AED 1,000.

• The member of the ADIB credit card can earn Rewards Points in these ways:
  • 2 Reward Points for every AED 1 spent on international purchases.
  • 1 Reward Point for every AED spent on domestic purchases.
• The card member is eligible for availing all Master TITANIUM benefits that are offered by MasterCard.
• The card member can avail dining discounts up to 25% on selected The full list of restaurants and their respective ADIB credit card offers can be found online.
• The card member can avail unlimited complimentary lounge access to 10+ partnered GCC The list of airport lounges can be found online.
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.
• The member of the Spice ADIB credit card can convert jewelry purchases at Al Liali Jewellery, Pure Gold and Joyalukkas into 0% profit rate installment plans of 3 or 6 months The minimum transaction amount is AED 1,000 and the offer can’t be availed for gold coins and bars. 

b.  ADIB Football Card

• Annual Fee: AED 250 (20% of this fee will be donated to the selected football The football club will also be printed on the ADIB credit card.)
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09% 

Benefits of ADIB Football Credit Card: 

• The member of this ADIB credit card is eligible for a 1% cashback on any and every purchase.
• The card member can avail complimentary access to 150+ airport lounges across the globe through Veloce Lounge. The list of partnered airports can be found online.
• The member of this ADIB credit card can withdraw up to 100% of their available credit limit as cash. 
• The member can book flight tickets through the ADIB Travel Desk at preferential The tickets will also be delivered to the cardholder free of charge.
• The member of this ADIB card can enjoy up to 25% discounts across various partner restaurants. 

c.  ADIB Dana MasterCard

• Annual Fee: AED 299
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09% 

Benefits of ADIB Dana MasterCard Credit Card:

• • The ADIB credit card offers cash back on purchases as follows:
    • 25% cashback on every 1 AED spent internationally.
    • 8% cashback on every 1 AED spent domestically.
  • The cardholder is eligible for availing all the Mastercard WORLD benefits offered by MasterCard. The discount offers can be found online.
  • The cardholder can avail the benefit of premium membership of com. The ADIB credit card member can avail access to more than 100,000 retailers in the USA at discounted rates.
  • The cardholder can avail the benefit of Hertz Gold Membership, and avail discount on rental cars, car upgrades and more.
  • The ADIB credit card offers the primary cardholder unlimited complimentary access to 850+ VIP airport lounges across the globe.
  • The cardholder can avail MasterCard discounts on various travel packages and This ADIB credit card offers a year-round discount on luxury items at Reebonz.com.
  • The member of the ADIB  credit card can avail free valet parking services at numerous locations across UAE for up to 4 times every month.
  • The cardholder can avail the benefits offered by the MasterCard app which offers exclusive 'buy-one, get-one-free' deals.
  • The cardholder can avail complimentary roadside assistance such as flat tyre, lockout, fuel delivery, and jump-start services. Also, it offers unlimited tow-up facility to the city limits, inter-emirate tow-up facility thrice a year, transportation and drop off facility for vehicle registration, and complimentary 24 hours car rental facility in case of an accident. 

ADIB Rotana Rewards Card* 

ADIB offers only one Rotana Rewards Card as below: 

a.    ADIB Rotana Rewards Exclusive Visa Card*

The Rotana Rewards ADIB credit card offers an eclectic variety of benefits across the luxurious Rotana Hotels & Resorts. 

• Annual Fee: AED 1,250
• Monthly Profit Rate with a salary transfer: 2.99%
• Monthly Profit Rate without a salary transfer: 3.09% 

Benefits of ADIB Rotana Rewards Exclusive Credit Card: 

• The Rotana ADIB credit card offers the cardholder enrolment into the Rotana The cardholder earns Rotana Reward Points on every purchase made on the ADIB credit card. These points can be redeemed for: 
  • Free stays at Rotana Hotels & Resorts.
  • Dining discounts.
  • Vouchers for jewelry, mobile app cards, and electronic purchases.
  • Household accessories.
  • Tablets. 

• The member of this ADIB credit card can earn in the following manner:
  • 3 Rotana Reward Points for every AED 1 spent on international purchase.
  • 2 Rotana Reward Points for every AED 1 spent at Rotana Hotels & Resorts in the UAE.
  • 1 Rotana Reward Point for every AED 1 spent within the UAE.

• The primary cardholder can avail up to a 50% discount at any Rotana restaurant.
• The Rotana ADIB credit card offers a discount of 20% and free Wi-Fi on any hotel bookings made through Rotana's official website.
• The cardholder can avail free of charge late check-out from the Rotana
• The cardholder can avail multiple-trip travel insurance. It offers an emergency medical cover, travel accident cover and travel inconvenience cover for trips up to 90 days.
• The cardholder can avail Visa benefits of this ADIB credit card and avail access to a global concierge facility. With this facility, the cardholder can get acquainted with local attractions, seek help for hotel and event bookings.
• This ADIB credit card offers the cardmember access to 850+ premium airport lounges across the globe. The cardholder may check their eligibility for availing the lounge benefit online.
• The card member can enjoy dining discounts at over 75 restaurants in the UAE.
• The cardholder can avail complimentary roadside assistance such as flat tyre, lockout, fuel delivery, and jump-start Also, it offers unlimited tow-up service to the city limits, inter-emirate tow-up thrice a year, transportation and drop off service for vehicle registration, and complimentary 24 hours car rental service in the case of an accident. 

* Features and Benefits available only for existing customer and not available for new customers. 

Emirates Skywards Cards

ADIB Emirates Skywards Credit Cards offer a wide range of travel and lifestyle benefits to help its card members to make the most of their every spending.

a.    ADIB Emirates Skywards World Elite Card

• Annual Membership Fee: AED 4500
• Monthly Profit Rate with a salary transfer: 3.33%
• Monthly Profit Rate without a salary transfer: 3.33% 

Benefits of ADIB Emirates Skywards World Elite Card: 

• Members of this card are entitled to receive rewards in terms of Skywards Miles on every USD spent on the following categories:
  • 3 Skywards Miles can be earned on every USD spent on Flydubai & Emirates.
  • 2 Skywards Miles can be earned on every USD spent on foreign currency.
  • 5 Skywards Miles can be earned on every USD spent on local currency.
  • 0.25 Skywards Miles can be earned on every USD spent on some specific categories.
• Cardholders can avail 50,000 Skyward Miles as a signup bonus on their first spend. In addition to this, they can avail 70,000 Skyward Miles as a bonus on meeting the minimum spending requirement.
• Primary cardholders of this ADIB credit card can avail Emirates Skywards Silver Tier membership and also they have the option to fast track to Emirates Skywards Gold Tier membership on making additional spending of AED 5500 on Emirates.
• Members of this credit card can enjoy unlimited airport lounge access to more than 900 airport lounges globally.
• With this card, one can enjoy free valet parking service two times in a month via Valtrans at a few key locations throughout the UAE.
• Cardholders can enjoy 4 Emirates Home check-in services within Dubai on a complimentary basis.
• Apart from all these benefits, cardholders can enjoy several other benefits such as free airport transfers, golf privileges, concierge services, travel medical cover, travel inconvenience cover, and much more.
• This card comes with exclusive features such as balance transfer, easy installment plan, and cash on call. 

b.    ADIB Emirates Skywards World Card

• Annual Membership Fee: AED 1500
• Monthly Profit Rate with a salary transfer: 3.33%
• Monthly Profit Rate without a salary transfer: 3.33% 

Benefits of ADIB Emirates Skywards World Card: 

• Members of this card are entitled to receive rewards in terms of Skywards Miles on every USD spent on the following categories:
  • 5 Skywards Miles can be earned on every USD spent on Flydubai & Emirates.
  • 5 Skywards Miles can be earned on every USD spent on foreign currency.
  • 1 Skywards Miles can be earned on every USD spent on local currency.
  • 0.25 Skywards Miles can be earned on every USD spent on some specific categories.
• Cardholders can avail 40,000 Skyward Miles as a signup bonus on their first spend. In addition to this, they can avail 20,000 Skyward Miles as a bonus on meeting the minimum spending requirement.
• Primary cardholders of this ADIB credit card can avail Emirates Skywards Silver Tier membership and also they have the option to fast track to Emirates Skywards Gold Tier membership on making additional spending of AED 5500 on Emirates.
• Cardholders can enjoy 2 Emirates Home check-in services within Dubai on a complimentary basis.
• Members of this credit card can enjoy unlimited airport lounge access to more than 900 airport lounges globally.
• With this card, one can enjoy free valet parking service two times in a month via Valtrans at a few key locations throughout the UAE.
• Apart from all these benefits, cardholders can enjoy several other benefits such as free airport transfers, golf privileges, travel medical cover, travel inconvenience cover, and much more.
• This card comes with exclusive features such as balance transfer, easy installment plan, and cash on call.

Features of ADIB Credit Cards

From the ADIB credit card created specifically for football enthusiasts to the acclaimed international travel benefits offered by the ADIB Platinum credit card, there’s an ADIB card for all. Here are the features and benefits of ADIB credit cards.

• Sharia-Compliant - Every ADIB credit card offers a fully sharia-compliant and transparent process of banking. The cards do not charge any interest but share both, the profits and risks with depositors. The Business Covered ADIB credit card   is one of the first-ever Islamic Banking Business cards introduced in the UAE.
• Balance Transfer - The low-profit rate balance transfer feature of the ADIB credit card makes it an ideal choice for individuals with debt. The credit limit that an ADIB credit card offers is substantially high, further making the balance transfer process convenient and profitable.
• Security Measures - The ADIB credit cards make use of an advanced card technology known as Chip & Pin. This technology adds an extra layer of security for all card transactions. There are also online security measures that are taken by ADIB in order to ensure that the cardholder’s safety isn’t jeopardized.
• Contactless Payment - Many of the ADIB credit cards offer a contactless payment option. This prevents the credit card from damages and saves the cardholder’s valuable time that they could use for other daily activities instead.
• Cash Withdrawals - The cash withdrawal facility offered by ADIB credit cards is extremely flexible. Every ADIB credit card enables the cardholder to withdraw up to 100% of their available credit limit. This can be extremely helpful in times of a financial emergency such as when the cardholder is on a trip abroad and needs financial aid.
• Global Partnerships - Besides the incredible GCC relationships built by ADIB, as seen in the Rotana ADIB credit card, the bank also has invaluable links across the globe. ADIB’s partnership with the large credit card payment networks such as Visa and MasterCard enables the bank to offer various global benefits directly to the cardholder.
• Supplementary Card - Almost every ADIB credit card offers the primary cardholder up to 4 free supplementary cards. These cards can be used by eligible family members to enjoy the benefits and perks offered by the ADIB cards. 

Benefits of ADIB Credit Cards

Every ADIB credit card offers its own unique blend of rewards and benefits. Some of the most popular benefits common among the various cards are mentioned below:

• Cashback - Cards such as the Visa Cashback ADIB credit card and the VISA Cashback ADIB Platinum credit card offer guaranteed cashback on every spend that the holder incurs on his or her card. This benefit is offered for local and international purchases, including dining, hotel reservations, flight bookings and much more.
• Travel Benefits - Apart from discounts on holiday packages, some ADIB credit cards even offer comprehensive travel insurance benefits. It provides coverage in case of travel interruptions and provides medical insurance coverage in case of a medical emergency.
• Hotel Bookings - Cards such as the Rotana Rewards ADIB credit card offer exclusive discounts on Rotana properties across the GCC. Furthermore, the Visa partnered ADIB credit cards even offer discounts for booking hotels and resorts all across the globe.
• Airline Advantages - The Etihad line of ADIB credit cards enables the cardholder to earn Etihad Guest Miles.  The accumulated Guest Miles can be redeemed for free flight tickets, luxury apparel shopping, electronic item purchases and more. While a number of ADIB credit cards offer lounge access in hundreds of airports across the globe, some of the cards even offer complimentary guest passes for lounge visits.
• Talk-Time - The Etisalat line of ADIB credit cards enables the cardholder to earn Smile Points that can be redeemed for nearly limitless talk-time. In partnership with one of the largest telecom brands in the UAE-Etisalat ADIB credit card offers exclusive benefits to the members.
• Football Benefits - Focused on the enormous football following in the UAE, the football-specific ADIB credit card offers truly spectacular deals in the UAE. A part of the annual fee is donated to the cardholder’s preferred team. In addition to that, the team name is also featured on the card, allowing fans to show off their allegiance. The card even offers flat 1% cashback on all purchases. 

ADIB Credit Card Profit Rates & Annual Fees

The table below details the various ADIB credit card’s profit rates (with and without a salary transfer), as well as its respective annual membership fees. 

Category	Credit Card Name	Annual Fee (in AED)	Monthly Profit Rate With Salary Transfer (in %)	Monthly Profit Rate without Salary Transfer (in %)
Etihad	ADIB Etihad Visa Classic Card	500 (200 for Etihad Frequent Flyers)	2.99	3.09
Etihad	ADIB Etihad Gold Card	1,000 (350 for Etihad Frequent Flyers)	2.99	3.09
Etihad	ADIB Etihad Visa Platinum Card	2,000 (700 for Etihad Frequent Flyers)	2.99	3.09
Booking.com	ADIB Booking.com Signature Card	299 (Free the first year)	3.29	3.29
Booking.com Card	ADIB Booking.com Infinite Card	2,000.00	3.29	3.29
Etisalat	ADIB Etisalat Classic Card	Fee-free for life	2.99	3.09
Etisalat	ADIB Etisalat Gold Card	299.00	2.99	3.09
Etisalat	ADIB Etisalat Visa Platinum Card	999.00	2.99	3.09
Etisalat	ADIB Etisalat Visa Signature Card	1,199.00	2.99	3.09
Rewards	ADIB Value Card	Fee-free for life	2.99	3.09
Rewards	ADIB Value+ Card	Fee free for life	2.99	3.09
Rewards	ADIB Edge Card	750.00	2.99	3.09
Cashback	ADIB Visa Cashback Card	500 (Free the first year)	2.99	3.09
Cashback	ADIB Cashback Visa Platinum Card	1,000 (Free the first year)	2.99	3.09
Business Covered	ADIB Business Gold Covered Card	400.00	Monthly Murabaha profit rate of 3% of the total amount	Monthly Murabaha profit rate of 3% of the total amount
Business Covered	ADIB Business Platinum Covered Card	800.00	Monthly Murabaha profit rate of 3% of the total amount	Monthly Murabaha profit rate of 3% of the total amount
Other	ADIB Spice Card	199.00	3.09	3.09
Other	ADIB Football Card	250 (20% is donated to preferred football club)	2.09	3.09
Other	ADIB Dana MasterCard	299.00	2.09	3.09
Rotana Reward	ADIB Rotana Rewards Exclusive Visa Card	1,250.00	2.99	3.09
Emirates Skywards	ADIB Emirates Skywards World Elite Card	4500	3.33%	3.33%
Emirates Skywards	ADIB Emirates Skywards World Card	1500	3.33%	3.33%

(Updated as of Feb 2020) 

Eligibility for ADIB Credit Card

The ADIB credit card eligibility criteria are subject to change at the discretion of the ADIB.  However, the most common factors for eligibility are as follows:

• Age  - ADIB credit card applicants must be at least 18 years of age. Minors under the age of 18 may apply for a card jointly with their legal guardian. The upper age limit defined in the ADIB credit card eligibility criteria may further vary from 65 to 75 years.
• Minimum Income - Every ADIB credit card comes with a minimum income eligibility criterion. The better the ADIB credit card offers are, the greater the minimum salary requirement will be.
• Credit History  - All ADIB credit card applicants are vetted through a credit history check. The applicant’s past loan records, repayment history, and delinquencies are checked to ensure they can pay their credit card bills. It is recommended to maintain good banking history at least for a year since applicants may be asked to provide 3-6 months of banking statements to fulfill the ADIB credit card eligibility.If your credit card history is so you can also apply for a credit card loan from ADIB.

Documents Required for ADIB Credit Cards

The ADIB credit card eligibility is further contingent on the applicant presenting all the required documents. The documents required to apply for an ADIB credit card are as follows: 

• Original passport and a valid copy of the same.
• Original Emirates ID (for UAE residents) and a valid copy of the same
• Last 3 months of the applicant’s bank statement.
• A recent salary slip/certificate from the present employer. This should not be more than a month old. 

Documents for Business Covered Cards 

The documents required for a Business Covered ADIB credit card are slightly different. These are mentioned below: 

• Latest 6 - 12 months of bank statement as per the company’s
• Any original documents from the following list as applicable:
  • Trade license
  • Membership Certificate from the Chamber of Commerce
  • Commercial Registration
  • Memorandum of Association
  • Power of Attorney
  • Board Resolutions 

• Original passports of all the partners and copies of the same.
• Original residence visas of all the signatories and copies of the same.
• Original Emirates IDs of all the signers and copies of the same.
• Additional documentation for a specific ADIB credit 

How to Apply for an ADIB Credit Card?

The applicant can apply for the ADIB credit card in the following ways: 

1. The applicant can submit all the necessary documents at any of the ADIB branches in the The full list of ADIB branches may be found online.
2. The applicant can apply for the ADIB credit card The applicant can simply select the preferred ADIB credit card and click on the Apply Now button. The list of ADIB credit cards can be found online.

All ADIB Credit Card to Apply For
ADIB Cashback Visa Platinum Card	ADIB Etisalat Platinum Card
ADIB Etihad Visa Platinum Credit Card	ADIB Booking.com Infinite Card
ADIB Etihad Classic Card	ADIB Etisalat Gold Credit Card
ADIB Etihad Gold Card	ADIB Etisalat Classic Card
ADIB Booking.com Signature Card	ADIB Edge Card
ADIB Etisalat Visa Signature Card	ADIB Emirates Skywards World Elite Card
ADIB Emirates Skywards World Card	ADIB Value Card
ADIB Value+ Card	ADIB Visa Cashback Card
ADIB Business Platinum Covered Card	ADIB Business Gold Covered Card
ADIB Football Card	ADIB Dana Covered Card
ADIB Spice Card	ADIB Rotana Rewards Exclusive Visa Card

ADIB Credit Card Limit

The ADIB credit card offers the applicant the ability to set their own credit limit, by submitting a security cheque with an amount that is 5% more than the set limit. The cardholder is expected to maintain their spending within this credit limit. Any over-limit spending will attract a penalty charge. If the overdue amount  is not paid within two business days, it may result in the cancellation of the ADIB credit card.

The Business Covered ADIB credit cards offer a fixed credit limit as supplied by the employer. The two business covered cards and their associated credit limits are mentioned below:

ADIB Business Gold Covered Card

This ADIB credit card offers has an AED 150,000 credit limit. 

ADIB Business Platinum Covered Card

• The Business Covered ADIB Platinum credit card has an AED 250,000 credit limit. 
• The cardholder can request a temporary increase in their ADIB credit card limit by paying a nominal fee of AED 50.

ADIB credit card members who do not want to use their personal savings for the set credit limit may instead enter into a Murabaha contract with the bank. Under a Murabaha contract, the primary ADIB credit card member agrees upon a credit limit with the bank and is expected to pay part of the used amount every month. The security deposit is made into an investment account, which is then used to purchase shares in various commodities, for which ADIB and the cardholder both share the risks of investment.

The full details of the Murabaha contract and other ADIB credit card terms and conditions can be found online. 

ADIB Credit Card Charges

In full compliance with the principles of Islamic Banking, ADIB credit cards offer a completely transparent system of fees and charges. Some of the most commonly seen ADIB credit card charges are as follows: 

• Late Payment Charge: AED 100 (This amount is donated to charity.)
• Returned Cheque Charge: AED 100
• Card Replacement Charge: AED 75
• No Liability Certificate Charge: AED 50
• Additional Credit Card Statement Charge: AED 45 

You can find the breakdown of fees and charges for all ADIB credit cards online.

ADIB Credit Card Payment Options

The ADIB credit card payment options are incredibly diverse. ADIB credit card payments and charges can     be settled in the following ways:

• Offline - ADIB credit card payments can be made directly at a branch. The card member needs to provide relevant information such as their card number and account details. The credit card payments can be made with cash or by cheque. The list of branches can be found online.
• Internet Banking - The ADIB Credit Card online portal is known as e-ADIB. It offers the latest internet banking facility and can    be used to make credit card payments.
• Cash Deposit Machines - Payment for ADIB credit card charges and monthly dues can be made via cash or cheque at any of the available ADIB cash deposit machines in the UAE. In case the cardholder makes a payment via  cheque, they ought to ensure that they have mentioned the account number on the backside of the cheque. The full   list of CDMs can be found online.
• Telephone Banking - Telephone banking is another ADIB credit card payment option, which can be initiated by contacting the ADIB helpline number.
• Mobile Banking - The card member can use the convenient and secure ADIB mobile app to access banking details, transfer funds and more.
• SMS Banking - While SMS banking cannot be used to make ADIB credit card payments, it is an extremely helpful way to track account balance. The cardholder can simply text ‘BAL’ to the dedicated number for account balance inquiries. 

How to Cancel Your ADIB Credit Card?

The primary member of an ADIB credit card can request for the cancellation of their card by submitting a written request to ADIB.

The cancellation process will be deemed to be complete only after: 

1. All primary and supplementary ADIB credit cards have been
2. The outstanding amount has been paid in full by the
3. There should be a confirmation that no pending transactions have been made within 45 days of the cancel 

Why Choose ADIB Credit Cards?

The reasons to pick an ADIB credit card are countless. Here are some of the best reasons why one should   opt for ADIB credit cards:

Sharia Compliance

The ADIB credit card offers a sharia-compliant way of banking. ADIB credit cards charge no interest and   offer various charitable donation options. The Business Covered ADIB credit card offers a first of its kind spending power to the corporate cardholders in the UAE.

Lucrative Balance Transfer

Rather than paying high fees and charges on overdue balance, tons of UAE residents opt for a  0%  profit  rate balance transfer that an ADIB credit card offers. These balance transfers fall into two categories: 

1. The option to transfer up to 50% of the ADIB credit card credit limit at 0% profit rate and a tenor of 12 months.
2. The option to transfer 100% of the ADIB credit card limit at 0% profit rate and a tenor of 3 months. 

Online Transaction Security

Every ADIB credit card offers the cardholder the opportunity to set up a WebSecure This pin is personal to the cardholder and provides an added layer of security for all online transactions.   Details of the WebSecure program for ADIB credit card online purchases can be found online.

ADIB Credit Card Payment Options

The ADIB credit card payment options are some of the most extensive including online, mobile, telephonic, CDM options and more.  These platforms have been further vetted by major payment networks such as Visa and MasterCard, adding a strong degree of credibility and protection.

UAE Football

The cardholder can spread the love for their favorite UAE football team with the exclusive Football ADIB credit card. Not only does the ADIB credit card offer a personalized card with the team’s name, but it also donates 20% of the card’s annual fee to the opted club. What’s more, the cardholder even earns 1% cashback on any purchase put on the card.

Great Discounts

Be it talk-time, dining, sports, hotel booking, travel discounts, air miles or cash back a  credit card applicant is looking for, there is an ADIB credit card for it. While every ADIB credit card  offers  its  own  range  of rewards and discounts, the ADIB Visa Platinum card benefits  provide  the  cardholder  with  an  access  global Visa.