ADIB Edge Card

From customers and employees to young entrepreneurs and even the community, ADIB offers various programs and incentives to help spread the word on its Shari’a-compliant ADIB credit cards and financial services. ADIB credit cards are created on the basis of the needs of the UAE cardholders and offer incentives for customers from every economic bracket.ADIB Edge Card

ADIB Edge credit card is a uniquely lifestyle-oriented card that offers benefits across dining, shopping and even travel categories of expenditure. This ADIB card offers an extremely long list of benefits and access to the world-class services, all for an affordable annual membership fee of AED 750. Furthermore, with their immense cashback benefits, Edge ADIB credit cards are the ideal choice for daily spending. 

Features & Benefits of ADIB Edge Card

It is difficult to completely encapsulate the huge range of features and benefits of the Edge card. Here are some of the most impressive incentives that are offered:

Chip & Pin Security

The Edge ADIB credit card offers secure purchasing power to its cardholder by implementing Chip &  Pin card security. Chip & Pin ADIB Edge credit cards are embedded with a distinctive microchip that cannot be duplicated.

Cash Withdrawals

Cardholders may utilize their entire available card limit as instant cash. Cash withdrawals with the Edge card can be made at all ADIB branches in the UAE and at any Visa-accepting    ATM in the world.

Cash on Call

The cardmember can easily get access to cash with a simple phone call in case of emergency situations that require a cash boost.

Credit Shield Insurance (Takaful)

As an Islamic Banking card, this credit card offers its Takaful protection scheme to cardholders in the form of Credit Shield. Credit Shield Takaful protects the cardholder by taking care of any ADIB Edge credit card payments as a result of permanent disability, critical illness, death or involuntary loss of employment.

Contactless Payment Options

One of the most attractive ADIB Edge credit card payment options is that of contactless purchasing. Contactless payments allow the cardmember to simply hover their card on top of a  payment machine to complete a transaction. This method of payment is quicker than swiping and less damaging to the card’s magnetic strip as well.

Complimentary Golfing

Owners of the ADIB Edge credit card may enjoy complimentary golfing at Arabian Ranches Golf Club in  Dubai. This service can be availed for one free round every month.

Balance Transfer

This ADIB credit card comes loaded with the balance transfer feature which allows the cardmember to consolidate his or her debt.

0% Payment Plans

Cardholders can convert their large purchases (worth AED 1,000 or more) into small affordable payments spread across a fixed tenure across the partner retailers.

Easy Cash

The cardholder can make use of the easy cash facility in case of an immediate cash requirement.

Roadside Assistance

Also included in the many ADIB Edge credit card benefits are complimentary roadside assistance. The Edge card’s roadside assistance services include complimentary emergency assistance, unlimited towing, jump starts, flat tyre changing, battery boosting, emergency fuel and much more.

Valet Parking

The ADIB Edge credit card offers up to 4 free valet parking services every month for cardholders at various partnered locations across Dubai and Abu Dhabi.

Card Fraud Protection

The owner of the ADIB Edge credit card is provided with a shield against any fraudulent or unauthorized transactions on the card made by the third party.

Travel Insurance Letter

The cardmember can obtain a travel insurance letter for his or her Visa application requirements.

Access to Airport Lounges

 Owners of this ADIB credit card receive free access to thousands of premium airport lounges domestically and internationally. Additionally, cardholders are also permitted to bring one guest with them.

Complimentary Travel Insurance

The ADIB Edge credit card offers complimentary multi-trip travel insurance for the cardholder, a spouse and 5 children (with an age limit of 75 years per individual) for an amount of up to US$ 1,000,000 for a period of 90 days. This free travel insurance policy offers medical cover, personal accident cover and travel inconvenience cover.

Purchase Protection & Warranties

All Edge ADIB credit card purchases are protected for up to a year from the date of the purchase. This policy covers damage, loss, and theft of the new purchase. Additionally, cardholders even receive an extended warranty on their Edge ADIB credit card purchases that lengthens the original warranty period up to a maximum of 24 months.

Luxury Hotel Services

Cardholders can enjoy the following perks in more than 800 hotels across the globe:

  • Guaranteed best rate that is available
  • Automatic up-gradation of the room upon arrival (only when available)
  • Free wifi / valet parking
  • Complimentary breakfast (continental)
  • Late check-out (3PM) when available
  • Status of a VIP Guest
  • Dining voucher worth $25

Visa Benefits

Cardholders can enjoy all Visa Infinite benefits offered by Visa. 

e-ADIB Access

The Edge ADIB credit card online platform is called e-ADIB and offers secure, remote access to the Edge ADIB credit card account at any time of the day

Rewards and Offers of ADIB Edge Card

The list of Edge card rewards and offers can be browsed through below: 

ADIB Rewards

As owners of the ADIB Edge credit card, customers also receive membership in the ADIB  Rewards program. The ADIB rewards program allow this A DIB credit card members to earn incentives for every AED of expenditure made with the card. Details on the rewards program are as follows:

  • Cardholders earn 5 ADIB rewards points for any Edge ADIB credit card expenditure worth AED 1.

The points redemption table is as follows:

ADIB Rewards Points Value

Every 10,000

AED 50

Every 100,000

AED 1,000

 

Owners of the ADIB Edge credit card may redeem their accumulated ADIB reward points for flight tickets at any airline or for shopping vouchers at 3 malls in the UAE namely Sharjah Mega Mall, Sahara Central Sharjah, and Abu Dhabi Mall.

Dining & Cash Back Offers

Not only does the Edge credit card offer a 25% discount on dining establishments across the UAE, but it also allows cardholders to earn 10% cashback on all dining expenses made within the UAE. Cashback is capped at a massive AED 300 every month.

ADIB Deals

Owners of the Edge ADIB credit card may access numerous offers and discounts that are made available on the ADIB site under the ‘SMARTMILES’ banner. 

Fees and Charges on ADIB Edge Card

The following table details the fee and charges on the Edge Card:

Fees Amount

Annual Membership Fees

AED 750

Annual Membership Fees on fifth Supplementary Cards

AED 250

Profit Rate/ month (with Salary Transfer)

2.99 %

Profit Rate/ month (without Salary Transfer)

2.99 %

Cash Advance limit

100 %

Charges on Cash Withdrawal (ATM)

3 % (99 minimum)

Charges on Card Replacement

AED 75

Excess Transfer of Funds from Card to Account on Cash Cover

AED 100

Monthly Payment

5 % (100 minimum)

Grace Period (Monthly Payment)

Maximum 55 days

The commitment of Charity Donation on Late Payments

AED 100

Charges on Temporary Limit Increase

AED 50

Service Fee on Non-AED Transactions

3.1 %

Service Fee on International AED Transaction

1.8 %

Copy of Sales Receipt Fee

AED 25

Copy of Hotel Receipt/Travel Fares Fee

AED 25

Additional Statement Fee (copy)

AED 45

Certificate for Liability/No Liability

AED 50

Charges Returned Cheque

AED 100

Contribution Amount/ month (Optional)

0.9345 fils on each 100 used cover amount

(Updated as of February 2020) 

Eligibility Criteria and Documents Required for ADIB Edge Card

Eligibility Criteria

The main eligibility criteria that the applicant needs to meet in order to apply for this ADIB card is the minimum salary requirement. The applicant must be having a minimum monthly salary of AED 30,000.

Documents Required

The documents required in order to apply for this ADIB card are:

  • Valid passport – original and copy
  • Valid Emirates ID – original and copy
  • 3 months’ bank statement
  • Salary certificate issued by the present employer (must not be more than 1 month old) 

Frequently Asked Questions

Q1: Can utility bills be paid using the ADIB Edge Card?

Ans: Yes. The following bills can be simply paid using your Edge card either via online banking or phone banking:

  • Etisalat bills (GSM, Wasel recharge and renewal, Landline, internet, and e-vision)
  • Electricity and water bills (SEWA, ADWEA, DEWA) 

Q2: How can I manage my ADIB account?

Ans: You can manage your ADIB account in numerous ways such as:

  • ADIB online banking
  • Phone banking that is available 24x7
  • Monthly statements
  • E-Statements
  • SMS alerts 

Q3: Where can I apply for the ADIB Edge Credit Card?

Ans: You can apply for the ADIB Edge card by using any of the following platforms:

  1. Online
  2. Phone
  3. ADIB branches 

Q4: Can I obtain supplementary cards?

Ans: Yes, as a cardholder you are entitled to up to four complimentary supplementary cards after which there is an annual charge of AED 250 on the fifth card onwards. 

Q5: Is there any minimum monthly salary requirement for the Edge card?

Ans: Yes, the applicant must be having a minimum monthly salary of AED 30,000 in order to be eligible to apply for an ADIB Edge Credit card.

 

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