ADIB Credit Cards

Introduction to 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 Offered

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:

Types of Adib Credit Cards
 

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*
    * Member of Etihad’s frequent flyer program- Etihad Guest are charged a discounted annual fee of AED 200 on this ADIB credit card.
  • Monthly Profit Rate with a Salary Transfer: 2.99%
  • Monthly Profit Rate without a Salary Transfer: 3.09%

Benefits

  • 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 every international purchase of AED 4.
    • 0.75 Etihad Guest Miles on every local purchase of AED 4.
    • 0.25 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 tow up facility 5 times to the city limits every year.
  • 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*
    * Member of Etihad’s frequent flyer program- Etihad Guest are charged 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:

  • 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:
    • 1.5 Etihad Guest Miles on every international purchase of AED 4.
    • 1 Etihad Guest Mile on every local purchase of AED 4.
    • 0.5 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 process to the Etihad Guest silver tier program (on taking 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 are charged a discounted annual fee of AED 700 on this ADIB credit card.
  • Monthly Profit Rate with a salary transfer: 2.99%
  • Monthly Profit Rate without a salary transfer: 3.09%

Benefits:

  • 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 process to the Etihad Guest gold tier program (on taking 2 flights with Etihad within 12 months).

ADIB Booking.com Cards

The com line of ADIB credit cards is designed by keeping the needs of frequent travellers 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:

  • The member of the Booking.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 access to over 1,000 airport lounges globally. This service can be availed 12 times a year.
  • The member of this ADIB credit card can avail a 10% discount on select hotels booked through Booking.com. The card enables the cardholder to earn Genius membership for availing additional discounts on Booking.com.
  • The member can avail flat 7% cash back on booking flight tickets of any airline. This cashback is capped at AED 300 per month.
  • The member can avail a 7 % discount on car rental bookings at Rentalcars.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 parking.
  • This ADIB credit card offers access to Marhaba service twice a year at Dubai Airport. Marhaba is a meet and greet service which helps expedite the immigration and security process, and provides an escort to the arrivals hall.
  • The member can avail complimentary travel insurance, trip inconvenience cover and medical insurance.
  • The member can avail purchase protection 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:

  • The Booking.Com Infinite ADIB credit card member can 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.
  • 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 access to over 1,000 airport lounges globally. This service can be availed 8 times a year.
  • The member of ADIB credit card can get a 10% discount on select hotels booked through Booking.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 airline. This cashback is capped at AED 300 per month.
  • The member can avail 7% discount for car rental bookings at Rentalcars.com.
  • The ADIB credit card offers a 4% cashback on fuel purchases (domestic or international). This benefit is capped at AED 100 per month.
  • 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.
  • 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:

  • This ADIB credit card offers the cardholder the chance to earn Etisalat Smile points. 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.

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:

  • This ADIB credit card offers the cardholder the chance to earn Etisalat Smile points. 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 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 self-funded cardholder 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
  • The member of this ADIB credit 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: 2.99%
  • Monthly Profit Rate without a salary transfer: 3.09%

Benefits:

  • This ADIB credit card offers the cardholder the chance to earn Etisalat Smile points. 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 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 self-funded cardholder 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.
  • 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.

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:

  • This ADIB credit card offers the cardholder the chance to earn Etisalat Smile points. 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 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 self-funded cardholder 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.
  • 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 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.
  • 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:

  • The ADIB credit card offers enrollment of cardholder 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 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 the following Rewards Points:
    • 2 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 discounts. 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 purchase. If it is damaged, lost or stolen within this time, ADIB offers the cardholder a full refund up to the US $5,000.
  • The cardholder may also opt for 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: 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:

  • The ADIB credit card offers cardholder the 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 airports. The list of airport lounges can be found online.
  • The card member can avail 25% dining discounts. 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 MasterCard Priceless Cities program that offers 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:

  • The ADIB credit card offers cardholder enrollment into the ADIB Rewards Loyalty program. 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 globally 12 times a year. The primary cardholder can bring one guest along with him/her.
  • The card member can avail cash back up to 10% on dining in UAE, capped at AED 300 per month.
  • The card member can avail 25% dining discounts. 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 dozens of malls in Dubai and Abu Dhabi up to 4 times every month. The full list of available locations can be found online.
  • The primary card member 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 purchase. 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 can withdraw up to 100% of their available credit limit as cash.
  • The cardholder can opt for 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:

  • The member of this ADIB credit card is eligible for 1% cash back on any and every purchase.
  • 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 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:

  • The member of this ADIB Platinum credit card is eligible for 1% cash back on any and every purchase.
  • The ADIB Visa Platinum card benefits enable the cardholder to withdraw up to 100% of their available credit limit as cash.
  • The card member can vail 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 Lounge. The list of partnered airports can be found online.
  • The member of this ADIB Platinum credit card can avail free valet parking service 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

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:

  • This ADIB credit card offers an AED 150,000 credit limit.
  • The card comes with Chip & Pin technology for secure transactions.
  • All additional offers available on this ADIB credit card can be found online.

b. ADIB Business Platinum Covered Card

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

Benefits:

  • This ADIB Platinum credit card offers AED 250,000 credit limit.
  • The member of the Business Covered ADIB Platinum credit card can withdraw up to 60% of their credit limit.
  • The card comes with Chip & Pin technology for secured transactions.
  • All additional offers available on this ADIB credit card can be found online.

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 and AED 12,000 for expats.

Benefits:

  • Upon spending AED 3,000 on a monthly basis, the cardholder can unlock amazing ADIB credit card offers such as:
    • Up to 9% cash back on any restaurant expense (up to AED 200).
    • Up to 7% cash back on any grocery purchase (up to AED 100).
    • Up to 4% cash back on fuel expenses (up to AED 50).
    • Up to 1% cash back on payments for utility bills (up to AED 50).
  • The ADIB credit card offers enrollment of cardholder 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 the benefits offered by the MasterCard Priceless Cities programs. They provide discounts on international events, dining, shopping and more all across the globe. The discount offers can be found online.
  • The card member can avail dining discounts up to 25% on select restaurants. 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 airports. 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 jewellery purchases at Al Liali Jewellery, Pure Gold and Joyalukkas into 0% profit rate instalment plans of 3 or 6 months tenors. 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 club. 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:

  • The member of this ADIB credit card is eligible for 1% cash back 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 rates. 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: 2.99%
  • Monthly Profit Rate without a salary transfer: 3.09%

Benefits:

  • 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.
  • The cardholder is eligible for availing the benefits offered by MasterCard Priceless Cities programs. They offer discounts on international events, dining, shopping and more all across the globe. The discount offers can be found online.
  • The cardholder can avail the benefit of premium membership of MyUS.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 the access to 850+ VIP airport lounges across the globe.
  • The cardholder can avail MasterCard discounts on various travel packages and hotels.
  • 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 dozens of malls in Dubai and Abu Dhabi up to 4 times every month. The full list of available locations can be found online.
  • The cardholder can avail the benefits offered by 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 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:

  • The Rotana ADIB credit card offers the cardholder enrolment into the Rotana Rewards 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 jewellery, 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 used on spent purchase.
  • The primary cardholder can avail a 50% discount at any Rotana
  • The Rotana ADIB credit card offers a discount of 20% and free Wi-Fi on any hotel bookings made through com.
  • 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 card member access to 850+ premium airport lounges across the globe. The cardholder may check their eligibility for availing the lounge benefit online.
  • 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 & Benefits 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 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 them 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

ADIB credit cards make use of advanced card technology known as Chip & Pin This adds an extra layer of security for card transactions. The online security measures taken by ADIB 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 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 credit card payment network giants such as Visa and MasterCard enables the bank to offer various global benefits directly to the cardholder.

Supplementary Card

Nearly every ADIB credit card offers the primary cardholder up to 4 free supplementary cards. These cards can be used by eligible 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 benefits. Some of the most popular benefits are mentioned below:

Cashback

Cards such as the Visa Cashback ADIB credit card and the VISA Cashback ADIB Platinum credit card offers a guaranteed cash back on every transaction. 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 benefit. 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 offers 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

Etisalat ADIB credit cards enable 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.

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% 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 its 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 Classic Card Fee free for life 2.99 3.09
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 Rewards Cards ADIB Value Card Fee free for life 2.99 3.09
ADIB Value+ Card Fee free for life 2.99 3.09
ADIB Edge Card 750.00 2.99 309
Cashback Cards ADIB Visa Cashback Card 500 (Free the first year) 2.99 3.09
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) 2.09 3.09
ADIB Dana MasterCard 299.00 2.09 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. 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 fulfil the ADIB credit card eligibility.

Documents

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

  • Original passport and a copy of the same.
  • Original Emirates ID (for UAE residents) and a 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 requirement.
  • 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 card.

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 UAE. The full list of ADIB branches may be found online.
  2. The applicant can apply for the ADIB credit card online. 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.

ADIB Credit Card Profit Rate

ADIB credit cards charge two profit rates, one with a salary transfer and one without salary transfer. The ADIB credit card profit rate is lower for the applicant who opts for 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
  ADIB Football Card 2.99 3.09
  ADIB Dana MasterCard 2.99 3.09
Rotana Rewards ADIB Rotana Rewards Exclusive Visa Card 2.99 3.09

(Updated as of Jan 2019)

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 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 saving 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 (+971) 600-543216.

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 2400 for account balance enquiries.

How to Cancel Your ADIB Credit Card?

The primary member 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. The outstanding amount has been paid in full by the cardholder.
  3. There should be a 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 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:

  • The option to transfer up to 50% of the ADIB credit card credit limit at 0% profit rate and a tenor of 12 months.
  • 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 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 opted club. What’s more, the cardholder even earns 1% cash back 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