ADIB Credit Cards

ADIB Credit Cards

The Abu Dhabi Islamic Bank, also known as ADIB was founded in Abu Dhabi in 1997 and 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 and as such, 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 and 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 UAE thanks to the stunning range of credit card offers and the generous contributions 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 Offered

ADIB credit cards are split into 8 categories. However, before you peruse the many ADIB credit card offers available, you should first understand how Islamic Banking works. Islamic banking operates on principles of the Quran and Sunnah. Under these laws, ADIB credit cards are forbidden from charging Reba 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 card account. The different type of ADIB credit cards available are as follows:

1. Etihad Cards

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

a. ADIB Etihad Classic Card

  • Annual Fee: AED 500*
    * Members of Etihad’s frequent flyer program, Etihad Guest have a discounted annual fee of AED 200 on this card.
  • Monthly Profit Rate with a salary transfer: 2.99%
  • Monthly Profit Rate without a salary transfer: 3.09%

    Benefits:

i. This card offers cardholders a chance to earn Etihad Guest miles, which can be redeemed on travel & flight bookings, on home furniture & accessories and purchases of electronic items.

ii. ADIB credit card owners can earn:

  • 1 Etihad Guest Mile on every international purchase of AED 4
  • 75 Etihad Guest Mile on every local purchase of AED 4
  • 25 Etihad Guest Mile on every 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.

iii. Cardholders can use 12,500 Etihad Guest Miles to pay for their ADIB credit card annual fee.

iv. Complimentary roadside assistance such as flat tyre, lockout, fuel delivery and jump-start services. Also included are 5 tows up to the city limits every year.

v. Members of this card can withdraw up to 100% of their available credit limit as cash.

b . ADIB Etihad Gold Card

  • Annual Fee: AED 1000*
    * Members of Etihad’s frequent flyer program, Etihad Guest have a discounted annual fee of AED 350 on this ADIB credit card.
  • Monthly Profit Rate with a salary transfer: 2.99%
  • Monthly Profit Rate without a salary transfer: 3.09%

    Benefits:

i. This card offers cardholders a chance to earn Etihad Guest miles, which can be redeemed on travel & flight bookings, on home furniture & accessories and purchases of electronic items.

ii. ADIB credit card owners can earn:

  • 5 Etihad Guest Mile on every international purchase of AED 4
  • 1 Etihad Guest Mile on every local purchase of AED 4
  • 5 Etihad Guest Mile on every 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.

iii. 2 free airport lounge passes every year in over 850 airports globally.

iv. On spending AED 150,000 with this card, cardholders earn a voucher for a free companion ticket to any destination and in any class.

v. Cardholders can use 30,300 Etihad Guest Miles to pay for their ADIB credit card annual fee.

vi. Complimentary roadside assistance such as flat tyre, lockout, fuel delivery and jump-start services. Also included are unlimited tows up to the city limits every year, 3 inter-emirate tows in a year, a free 24-hour rent a car on accidents and free transport for vehicle registration within the city once a year.

vii. Members of this card can withdraw up to 100% of their available credit limit as cash.

viii. An expedited membership process to the Etihad Guest silver tier program (on completing 4 return flights with Etihad within 12 months)

c. ADIB Etihad Visa Platinum Card

  • Annual Fee: AED 2,000
    * Members of Etihad’s frequent flyer program, Etihad Guest have a discounted annual fee of AED 700 on this card.
  • Monthly Profit Rate with a salary transfer: 2.99%
  • Monthly Profit Rate without a salary transfer: 3.09%

    Benefits:

i. This card offers cardholders a chance to earn Etihad Guest miles, which can be redeemed on travel & flight bookings, on home furniture & accessories and purchases of electronic items.

ii. ADIB credit card owners can earn:

  • 3 Etihad Guest Mile on every international purchase of AED 4
  • 2 Etihad Guest Mile on every local purchase of AED 4
  • 1 Etihad Guest Mile on every 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.

iii. 4 free airport lounge passes every year in over 850 airports globally.

iv. On spending AED 150,000 with this credit card, cardholders earn a voucher for a free companion ticket to any destination and in any class.

v. Cardholders can use 60,600 Etihad Guest Miles to pay for their ADIB credit card annual fee.

vi. Complimentary roadside assistance such as flat tyre, lockout, fuel delivery and jump-start services. Also included are unlimited tows up to the city limits every year, 3 inter-emirate tows in a year, a free 24-hour rent a car on accidents and free transport for vehicle registration within the city once a year.

vii. Members of this card can withdraw up to 100% of their available credit limit as cash.

viii. An expedited membership process to the Etihad Guest gold tier program (on completing 2 flights with Etihad within 12 months)

2. . ADIB Booking[.]com Cards

The Booking[.]com line of ADIB credit cards was created especially with frequent travellers kept in mind. These 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:

i. Owners of the Booking[.]Com Infinite ADIB credit card earn 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

ii. These rewards points can be redeemed on:

  • Flight tickets
  • Hotel reservations
  • Shopping mall vouchers

iii. The card owner and a companion gain access to over 1,000 airport lounges globally. This service can be used 12 times a year.

iv. Owners of this credit card get a 10% discount on select hotels booked through Booking.com. The card also earns them Genius membership for additional discounts on Booking.com.

v. Flat 7% cashback on flight tickets of any airline. This is capped at AED 300 per month.

vi. 7 % discount on car rental prices at Rentalcars.com.

vii. The ADIB credit card offers a 5% cashback on fuel purchases (domestic or international). This is capped at AED 100 per month.

viii. A free round of golf for the cardholder and 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

ix. 25% discount on dining at participating restaurants.

x. Use your ADIB credit card to avail of 4 complimentary parking every month in select locations through the Valtrans valet parking.

xi. This card offers access to Marhaba service at Dubai Airport. Marhaba is a meet and greet service which helps expedite your immigration and security process, and provides an escort to the arrivals hall. It can be used twice every year.

xii. Complimentary travel insurance, trip inconvenience cover and medical insurance.

xiii. Purchase protection.

xiv. Members of this ADIB credit card 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:

i. Owners of the Booking[.]Com Infinite ADIB credit card earn 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

ii. These rewards points can be redeemed on:

  • Flight tickets
  • Hotel reservations
  • Shopping mall vouchers

iii. The card owner and a companion gain access to over 1,000 airport lounges globally. This service can be used 8 times a year.

iv. Owners of this credit card get a 10% discount on select hotels booked through Booking.com. The card also earns them Genius membership for additional discounts on Booking.com.

v. Flat 5% cashback on flight tickets of any airline. This is capped at AED 300 per month.

vi. 7 % discount on car rental prices at Rentalcars.com.

vii. The ADIB credit card offers a 4% cashback on fuel purchases (domestic or international). This is capped at AED 100 per month.

viii. 25% discount on dining at participating restaurants.

ix. Use your ADIB credit card to avail of 4 complimentary parking every month in select locations through the Valtrans valet parking.

x. Complimentary travel insurance, trip inconvenience cover and medical insurance.

xi. Purchase protection.

xii. Members of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.

3. Etisalat Cards

For customers who love to talk on the phone, the Etisalat range of ADIB credit cards is a perfect Etisalat is a leading telecom company in UAE and used 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: 99%
  • Monthly Profit Rate without a salary transfer:  3.09%

    Benefits:

i. This credit card offers the cardholder the chance to earn Etisalat Smile points. Etisalat Smile points can be redeemed on talk time, flight tickets, hotel reservations, car rentals, retail and grocery store purchases and movie tickets.

ii. Customers 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.

iii. Members of this card can withdraw up to 100% of their available credit limit as cash.

b. ADIB Etisalat Gold Card

  • Annual Fee: AED 299
  • Monthly Profit Rate with a salary transfer: 99%
  • Monthly Profit Rate without a salary transfer:  3.09%

    Benefits:

i. This ADIB credit card offers the cardholder the chance to earn Etisalat Smile points. Etisalat Smile points can be redeemed on talk time, flight tickets, hotel reservations, car rentals, retail and grocery store purchases and movie tickets.

ii. Non-self-funded cardholders can earn:

  • 3 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.

iii. Self-funded cardholders can earn:

  • 2 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.

iv. Members of this card can withdraw up to 100% of their available credit limit as cash.

c.  ADIB Etisalat Visa Platinum Card

  • Annual Fee: AED 999
  • Monthly Profit Rate with a salary transfer: 99%
  • Monthly Profit Rate without a salary transfer:  3.09%

    Benefits:

i. This ADIB credit card offers the cardholder the chance to earn Etisalat Smile points. Etisalat Smile points can be redeemed on talk time, flight tickets, hotel reservations, car rentals, retail and grocery store purchases and movie tickets.

ii. Non-self-funded cardholders can earn:

  • 4 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.

iii. Self-funded cardholders can earn:

  • 2 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.

iv. Another one of this ADIB Visa Platinum card benefits is that it allows the cardholder to withdraw up to 100% of their available credit limit as cash.

d. ADIB Etisalat Visa Signature Card

  • Annual Fee: AED 1,199
  • Monthly Profit Rate with a salary transfer: 99%
  • Monthly Profit Rate without a salary transfer:  3.09%

    Benefits:

i. This credit card offers the cardholder the chance to earn Etisalat Smile points. Etisalat Smile points can be redeemed on talk time, flight tickets, hotel reservations, car rentals, retail and grocery store purchases and movie tickets.

ii. Non-self-funded cardholders can earn:

  • 6 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.

iii. Self-funded cardholders can earn:

  • 3 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.

iv. Members of this credit card can withdraw up to 100% of their available credit limit as cash.

v. Owners of the Visa Signature Etisalat ADIB credit card can avail free valet parking services at dozens of malls in Dubai and Abu Dhabi up to 4 times every month. The full list of available locations can be found online.

vi. This card offers access to 850+ premium airport lounges across the globe. Customers may check their eligibility for lounges online.

vii. Complimentary roadside assistance such as flat tyre, lockout, fuel delivery and jump-start services. Also included are unlimited tows to the city limits, 3 inter-emirate tows (in a year), transportation and drop off for vehicle registration and complimentary 24 hours car rental in the event of an accident.

4. ADIB Rewards Cards

The Rewards ADIB credit card perfectly captures the daily excursions of a UAE resident, rewarding cardholders with shopping vouchers, dining discounts, flight tickets and much more.

a. ADIB Value Card

  • Annual Fee: This card is free for life.
  • Monthly Profit Rate with a salary transfer: 99%
  • Monthly Profit Rate without a salary transfer:  3.09%

    Benefits:

i. The credit card offers cardholders membership into the ADIB Rewards loyalty program. Cardholders earn Reward Points, which can be redeemed for shopping vouchers in malls such as Sharjah Sahara Centre, Sharjah Mega Mall and Abu Dhabi Mall. 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 is worth AED 50.
  • Every 100,000 Rewards Points is worth AED 1,000.

ii. The owner of the ADIB credit card can earn Rewards Points in these ways:

  • 2 Reward Points for every AED 1 used on international purchases.
  • 1 Reward Point for every AED 1 used on domestic purchases.

iii. 25% dining discounts. The complete list of restaurants and their respective ADIB credit card offers can be found online.

iv. Members of this card can withdraw up to 100% of their available credit limit as cash.

v. Cardholders are also given access to purchase protection. Under the purchase protection scheme, any new item purchases made with the ADIB credit card are protected for a full year from the date of purchase. If they are damaged, lost or stolen within this time, ADIB offers the cardholder a full refund up to US $5,000.

vi. Customers may also opt for Takaful on the card, which insures them in case of sudden unemployment, illness, medical expenses, permanent disability and death.

b. ADIB Value+ Card

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

    Benefits:

i. The credit card offers cardholders membership into the ADIB Rewards loyalty program. Cardholders earn Reward Points, which can be redeemed for shopping vouchers in malls such as Sharjah Sahara Centre, Sharjah Mega Mall and Abu Dhabi Mall. 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 is worth AED 50.
  • Every 100,000 Rewards Points is worth AED 1,000.

ii. The owner of the card can earn Rewards Points in these ways:

  • 2 Reward Points for every AED 1 used on international purchases.
  • 1 Reward Point for every AED 1 used on domestic purchases.

iii. Unlimited complimentary lounge access to 10+ partnered GCC airports. The list of airport lounges can be found online.

  1. 25% dining discounts. The complete list of restaurants and their respective ADIB credit card offers can be found online.
  2. Members of this card can withdraw up to 100% of their available credit limit as cash.
  3. Eligibility for the MasterCard Priceless Cities programs, which provides discounts on international events, dining, shopping and more all across the globe. The discount offers can be found online.

iv. 25% dining discounts. The complete list of restaurants and their respective ADIB credit card offers can be found online.

v. Members of this card can withdraw up to 100% of their available credit limit as cash.

vi. Eligibility for the MasterCard Priceless Cities programs, which provides discounts on international events, dining, shopping and more all across the globe. The discount offers can be found online.

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:

i. The ADIB credit card offers cardholders membership into the ADIB Rewards loyalty program. Cardholders earn Reward Points, which can be redeemed for shopping vouchers in malls such as Sharjah Sahara Centre, Sharjah Mega Mall and Abu Dhabi Mall. 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 is worth AED 50.
  • Every 100,000 Rewards Points is worth AED 1,000.

ii. The owner of the card can earn Rewards Points in these ways:

  1. 5 Reward Points for every AED 1 used on international or domestic purchases.

iii. 12 Yearly free of charge lounge access passes to 1,000+ airport lounges globally, for the primary ADIB credit card owner and one guest.

iv. Cash back up to 10% on dining in UAE, capped at AED 300 per month.

v. 25% dining discounts. The complete list of restaurants and their respective ADIB credit card offers can be found online.

vi. A complimentary round of golf every month at the Arabian Ranches Golf Club.

vii. Complimentary roadside assistance such as flat tyre, lockout, fuel delivery and jump-start services. Also included are unlimited tows to the city limits, 3 inter-emirate tows (in a year), transportation and drop off for vehicle registration and complimentary 24 hours car rental in the event of an accident.

viii. Owners of the card can avail free valet parking services at dozens of malls in Dubai and Abu Dhabi up to 4 times every month. The full list of available locations can be found online.

ix. Complimentary travel insurance, trip inconvenience cover and medical insurance for the primary cardholder, their spouse and up to 5 children.

x. Cardholders are also given access to purchase protection. Under the purchase protection scheme, any new item purchases made with the ADIB credit card are protected for up to a year from the date of purchase. If they are damaged, lost or stolen within this time, ADIB offers the cardholder a full refund up to US $7,500.

xi. Members of this card can withdraw up to 100% of their available credit limit as cash.

xii. Customers may also opt for Takaful on the card, which insures them in case of sudden unemployment, illness, medical expenses, permanent disability and death.

5. Cashback Cards

Available in Visa and Visa Platinum variants, these credit card offers huge 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:

i. Owners of this card are eligible for 1% cash back on any and every purchase.

ii. Members of this card can withdraw up to 100% of their available credit limit as cash

iii. Complimentary roadside assistance such as flat tyre, lockout, fuel delivery and jump-start services. Also included are unlimited tows to the city limits, 3 inter-emirate tows (in a year), transportation and drop off for vehicle registration and complimentary 24 hours car rental in the event of an accident

iv. Complimentary access to 150+ airport lounges across the globe through Veloce Lounge. The list of partnered airports can be found online

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:

i. Owners of this ADIB Platinum credit card are eligible for 1% cash back on any and every purchase.

ii. The ADIB Visa Platinum card benefits include the option for cardholders to withdraw up to 100% of their available credit limit as cash

iii. Complimentary roadside assistance such as flat tyre, lockout, fuel delivery and jump-start services. Also included are unlimited tows to the city limits, 3 inter-emirate tows (in a year), transportation and drop off for vehicle registration and complimentary 24 hours car rental in the event of an accident

iv. ADIB Visa Platinum card benefits also include complimentary access to 150+ airport lounges across the globe through Veloce Lounge. The list of partnered airports can be found online

v. Owners of this ADIB Platinum credit card can avail free valet parking services at dozens of malls in Dubai and Abu Dhabi up to 4 times every month. The full list of available locations can be found online.

6. Business Covered Cards

The Islamic Business Covered ADIB credit card was the first of its kind in UAE. They allow 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:

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

ii. Chip & Pin technology for added security in transactions.

iii. All additional offers available on this card can be found online.

b. ADIB Business Platinum Covered Card

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

    Benefits:

i. This card an AED 250,000 credit limit.

ii. Owners of the Business Covered ADIB Platinum credit card can withdraw up to 60% of their credit limit.

iii. Chip & Pin technology for added security in transactions.

iv. All additional offers available on this ADIB credit card can be found online.

7. Other Cards

Created for a diverse range of spenders, this line of ADIB credit cards offer travel benefits, cash back, 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. AED 12,000 for expats.

    Benefits:

i. On spending AED 3,000 monthly, cardholders can unlock amazing ADIB credit card offers such as:

  1. Up to 9% cash back on any restaurant expense. Up to AED 200.
  2. Up to 7% cash back on any grocery purchase. Up to AED 100.
  3. Up to 4% cash back on fuel expenses. Up to AED 50.
  4. Up to 1% cash back on payments for utility bills. Up to AED 50.

ii. The credit card offers cardholders membership into the ADIB Rewards loyalty program. Cardholders earn Reward Points, which can be redeemed for shopping vouchers in malls such as Sharjah Sahara Centre, Sharjah Mega Mall and Abu Dhabi Mall. 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 is worth AED 50.
  • Every 100,000 Rewards Points is worth AED 1,000.

iii. The owner of this card can earn Rewards Points in these ways:

  • 2 Reward Points for every AED 1 used on international purchases.
  • 1 Reward Point for every AED 1used on domestic purchases.

iv. Eligibility for the MasterCard Priceless Cities programs, which provides discounts on international events, dining, shopping and more all across the globe. The discount offers can be found online.

v. Dining discounts up to 25% on select restaurants. The full list of restaurants and their respective ADIB credit card offers can be found online.

vi. Unlimited complimentary lounge access to 10+ partnered GCC airports. The list of airport lounges can be found online.

vii. Members of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.

viii. Owners of the Spice ADIB credit card can convert jewellery purchases at Al Liali Jewellery, Pure Gold and Joyalukkas to 0% profit rate instalment plans of either 3 or 6-month tenors. The transaction amount has to be a minimum of AED 1,000 and the offer does not extend to gold coins and bars.

b. ADIB Football Card

  • Annual Fee: AED 250 (20% of this fee will be donated to the chosen football club. The football club will also be printed on the ADIB credit card.)
  • Monthly Profit Rate with a salary transfer: 99%
  • Monthly Profit Rate without a salary transfer: 3.09%

    Benefits:

i. Owners of this ADIB credit card are eligible for 1% cash back on any and every purchase.

ii. Complimentary access to 150+ airport lounges across the globe through Veloce Lounge. The list of partnered airports can be found online.

iii. Members of this ADIB credit card can withdraw up to 100% of their available credit limit as cash.

iv. Preferential rates on flight tickets booked through the ADIB Travel Desk. The tickets will also be delivered to the cardholder free of charge

c. ADIB Dana MasterCard

  • Annual Fee: AED 299
  • Monthly Profit Rate with a salary transfer: 99%
  • Monthly Profit Rate without a salary transfer: 3.09%

    Benefits:

i. The ADIB credit card offers cash back on purchases as follows:

  • Up to 1.25% cash back on international expenses.
  • Up to 0.8% cash back on domestic expenses.

ii. Eligibility for the MasterCard Priceless Cities programs, which provides discounts on international events, dining, shopping and more all across the globe. The discount offers can be found online.

iii. Premium membership to MyUS.com, which gives the ADIB credit card owner access to more than 100,000 retailers in the USA at discounted rates.

iv. Hertz Gold Membership, which offers cardholders discount on rental cars, car upgrades and more.

v. The ADIB credit card provides the primary cardholder with access to 850+ VIP airport lounges across the globe.

vi. MasterCard discounts on various travel packages and hotels.

vii. This ADIB credit card offers a year-round discount on luxury items at Reebonz.com.

viii. Owners of the ADIB credit card can avail free valet parking services at dozens of malls in Dubai and Abu Dhabi up to 4 times every month. The full list of available locations can be found online.

ix. Access to the MasterCard app which offers exclusive ‘buy-one, get-one-free’ deals.

x. Complimentary roadside assistance such as flat tyre, lockout, fuel delivery and jump-start services. Also included are unlimited tows to the city limits, 3 inter-emirate tows (in a year), transportation and drop off for vehicle registration and complimentary 24 hours car rental in the event of an accident.

8. ADIB Rotana Rewards Exclusive Visa Card

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

  • Annual Fee: AED 1,250
  • Monthly Profit Rate with a salary transfer: 99%
  • Monthly Profit Rate without a salary transfer: 3.09%

    Benefits:

a. The Rotana ADIB credit card offers the cardholder enrolment into the Rotana Rewards program. Cardholders earn Rotana Reward Points through purchases made on the ADIB credit card. These points can be redeemed for:

  1. Free stays at Rotana Hotels & Resorts.
  2. Dining discounts.
  3. Vouchers for jewellery, mobile app cards and electronic purchases.
  4. Household accessories.
  5. Tablets.

b. Owners of this ADIB credit card can earn Rotana Rewards Points in the following manner:

  • 3 Rotana Reward Points on every AED 1 used on international purchases.
  • 2 Rotana Reward Points on every AED 1 spent at Rotana Hotels &Resorts in UAE.
  • 1 Rotana Reward Point on every AED 1 used on domestic purchases.

c. Primary cardholders get a 50% discount across any Rotana restaurant.

d. The Rotana ADIB credit card offers a discount of 20% on any hotel bookings made through rotana.com. Bookings made through the site also offer free Wi-Fi.

e. Free of charge late check out from the Rotana hotel.

f. Multiple trip travel insurance, which includes an emergency medical cover, travel accident cover and travel inconvenience cover for trips up to 90 days.

g. The Visa benefits of this ADIB credit card also include access to a global concierge. The concierge helps acquaint you with local attractions, as well as provides aid for hotel and event bookings.

h. This ADIB credit card offers access to 850+ premium airport lounges across the globe. Customers may check their eligibility for lounges online.

i. Complimentary roadside assistance such as flat tyre, lockout, fuel delivery and jump-start Also included are unlimited tows to the city limits, 3 inter-emirate tows (in a year), transportation and drop off for vehicle registration and complimentary 24 hours car rental in the event of an accident.

Features & Benefits of ADIB Credit Cards

From the ADIB credit card created specifically for football enthusiasts to the acclaimed international travel benefits afforded by the ADIB Platinum credit card, there’s an ADIB card for all.

  • Sharia-Compliant
    Every ADIB credit card offers a fully sharia-compliant and transparent process of banking. The cards do not charge interest and share both the profits and risks with depositors. The Business Covered ADIB credit card was one of the first ever Islamic Banking Business cards introduced in UAE.
  • Balance Transfers
    The low-profit rate balance transfer features of the ADIB credit card, make them an ideal choice for customers with debt. The credit limit that an ADIB credit card offers is substantially high, further making the balance transfer process a convenient and profitable one.
  • Security Measures
    ADIB credit cards make use of advanced card technology known as Chip & Pin technology. This extends a layer of security over card transactions. The online security measures taken by ADIB are just as thorough.
  • Contactless Payments
    Many of the ADIB credit cards offer a contactless payment option. This prevents the credit card from being damaged and saves the cardholder valuable time that they could use for other daily activities instead.
  • Cash Withdrawals
    The cash withdrawal policy on ADIB credit cards is extremely flexible. Every ADIB credit card allows the cardholder to withdraw up to 100% of their available credit limit. This can be extremely helpful in times of emergency, such as when the cardholder finds themselves in a foreign land in need of 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 credit card payment network giants such Visa and MasterCard, allows them to pass on various global benefits directly to cardholders.
  • Supplementary Benefits
    Nearly every ADIB credit card offers the cardholder up to 4 free supplementary cards. These cards can be used by family members to avail the many benefits of ADIB.

Benefits of ADIB Credit Cards
Every ADIB credit card offers its own unique blend of rewards and incentives. Some of the most popular incentives are mentioned below:

  • Cashback
    Cards like the Visa Cashback ADIB credit card and the VISA Cashback ADIB Platinum credit card offers guaranteed cash back on every transaction. These offers extend to local and international purchases, including dining, hotel reservations, flight bookings and much more.
  • Travel Benefits
    Discounts on holiday packages aside, some ADIB credit cards even offer comprehensive travel insurance schemes. These are particularly helpful in covering interruptions in travel and providing aid during times of medical emergency.
  • Hotel Bookings
    Cards like the Rotana Rewards ADIB credit card offer exclusive discounts on Rotana properties across the GCC. Furthermore, the Visa partnered ADIB credit cards even extends these discounts to hotels and resorts all across the globe.
  • Airline Advantages
    The Etihad line of ADIB credit cards allows cardholders to earn Etihad Guest Miles. These Guest Miles can be leveraged for free flight tickets, luxury apparel shopping, electronic item purchases and more. A number of ADIB credit cards offer lounge access in hundreds of airports across the globe, while some of the cards even offer complimentary guest passes for lounge visits.
  • Talk-time
    Etisalat ADIB credit cards give the cardholder access to Smile Points, which can be redeemed for nearly limitless talk-time. As one of the largest telecom brands in UAE, Etisalat’s partnership with ADIB further shows how exclusive the benefits of an ADIB credit card can be.
  • Football
    Focused on the enormous football following in UAE, the Football specific ADIB credit card offers some truly spectacular deals in UAE. Not only is part of the annual fee donated to the cardholder’s preferred team, but the team name is also featured on the card, allowing fans to show off their allegiance. The card even offers a flat 1% cash back 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 their respective annual membership fees.

 

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

 

(Updated as of Jan 2019)


ADIB Credit Card Eligibility

The ADIB credit card eligibility criteria are subject to change at the discretion of the ADIB staff. However, the most commonly checked 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 – 75 years as per ADIB’s judgment.
  • Minimum Income
    While it is not clearly specified on their site, every ADIB credit card comes with a restriction based on the applicant’s minimum monthly income. As a general rule of thumb, 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 customer’s past loan records, repayment history and delinquencies are checked to ensure they fall within the norms. It is suggested to maintain at least years’ worth of good banking history as applicants may be asked to show between 3-6 months of banking statements at least to pass the ADIB credit card eligibility
  • Documents
    The ADIB credit card eligibility is further contingent to the applicant presenting all the appropriate documentation. The documents required to apply for an ADIB credit card are as follows:
  1. Original passport and a copy of the same.
  2. Original Emirates ID (for UAE residents) and a copy of the same.
  3. Latest 3 months of the applicant’s bank statement.
  4. 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 requirement.
  • Any original documents from the following list as applicable:

1. Trade license

2. Membership Certificate from the Chamber of Commerce

3. Commercial Registration

4. Memorandum of Association

5. Power of Attorney

6. 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 as requested by the ADIB credit card

How to Apply for an ADIB Credit Card?

Customers can apply for an ADIB credit card in one of two ways:

  1. Customers can submit all the necessary documents at any of the ADIB branches in UAE. The full list of ADIB branches may be found online.
  2. Customers can also apply for an ADIB credit card online. Simply pick your desired ADIB credit card and click on apply now. The list of ADIB credit cards can be found online.

ADIB Credit Card Profit Rates

ADIB credit cards offer two profit rates, one with a salary transfer and one without. The ADIB credit card profit rate is lower for customers who choose to perform a salary transfer.

 

Category Name of the Card Monthly Profit Rate With Salary Transfer (in %) Monthly Profit Rate without Salary Transfer (in %)
Etihad Cards ADIB Etihad Classic Card 2.99 3.09
ADIB Etihad Gold Card 2.99 3.09
ADIB Etihad Visa Platinum Card 2.99 3.09
ADIB Booking.com Cards ADIB Booking.com Signature Card 3.29 3.29
ADIB Booking.com Infinite Card 3.29 3.29
Etisalat Cards ADIB Etisalat Classic Card 2.99 3.09
ADIB Etisalat Gold Card 2.99 3.09
ADIB Etisalat Visa Platinum Card 2.99 3.09
ADIB Etisalat Visa Signature Card 2.99 3.09
ADIB Rewards Cards ADIB Value Card 2.99 3.09
ADIB Value+ Card 2.99 3.09
ADIB Edge Card 2.99 2.99
Cashback Cards ADIB Visa Cashback Card 2.99 3.09
ADIB Cashback Visa Platinum Card 2.99 3.09
Business Covered Cards ADIB Business Gold Covered Card Monthly Murabaha profit rate of 3% of the total amount
ADIB Business Platinum Covered Card Monthly Murabaha profit rate of 3% of the total amount
Other Cards ADIB Spice Card 3.09 3.09

 

(Updated as of Jan 2019)


ADIB Credit Card Limit

The ADIB credit card offers customers the ability to choose their own credit limit, by submitting a security cheque with an amount that is 5% more than the chosen limit. Cardholders are expected to maintain their spending within this credit limit. Any over-limit spending will draw a penalty charge and may also lead to the possible cancellation of the ADIB credit card if the overdue amount is not paid within two business days.

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.

  1. ADIB Business Gold Covered Card
    This ADIB credit card offers an AED 150,000 credit limit.
  2. ADIB Business Platinum Covered Card
    The Business Covered ADIB Platinum credit card has an AED 250,000 credit limit.

Customers can request for a temporary increase in their ADIB credit card limit by paying a nominal fee of AED 50.

ADIB credit card owners who do not want to use their personal saving for a 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 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.

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

  • Offline
    ADIB credit card payments may be made directly at branches. Be sure to carry relevant information such as your card number and account details. 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 contains the latest internet banking features and can be used to make payments. Cardholders may log in to e-ADIB.
  • Cash Deposit Machines
    Payments 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 UAE. If you are making a payment via cheque, ensure you have mentioned the account number on the back of your cheque. The full list of CDMs can be found online.
  • Telephone Banking
    Another ADIB credit card payment option is the telephone banking system, which can be initiated by contacting (+971) 600-543216.
  • Mobile Banking
    Customers 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 credit card payments, it is an extremely helpful way to track account balance. Cardholders can simply text ‘BAL’ to 2400 for account balance enquiries.

How to Cancel Your ADIB Credit Card?

The primary owner of an ADIB credit card can request for 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 surrendered.
  2. Due amounts have been paid in full by the cardholder.
  3. Confirmation that no pending transactions have been made within 45 days of the cancel request.

Why Choose ADIB Credit Cards?

The reasons to pick an ADIB credit card are countless. Here are some of our highest ranking ADIB features.

  • Sharia Compliance
    An ADIB credit card offers a completely 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 corporate cardholders in UAE.
  • Lucrative Balance Transfers
    Rather than paying extravagant fees and charges on overdue balance, tons of UAE residents have chosen to take part in the 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 owner’s credit limit for 0% profit rate and a tenor of 12 months.
  2. The option to transfer 100% of the limit for a 0% profit rate and a tenor of 3 months.
  • Online Transaction Security
    Every ADIB credit card offers customers the opportunity to set up a WebSecure pin. 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 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
    Spread the love for your favourite 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 club. What’s more, cardholders even earn 1% cash back on any purchase.
  • Great Discounts
    Whether it’s talk-time, dining, sports, hotel booking, travel discounts, air miles or cash back you are looking for, there’s an ADIB credit card for it. Every credit card offers its own range of rewards and discounts, while the ADIB Visa Platinum card benefits even allow the cardholder to access global Visa offers.