ADIB Edge Card

About the 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.

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

Features & Benefits of ADIB Edge Card

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

Chip & Pin Security

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

Cash Withdrawals

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

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 Edge ADIB 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 Edge ADIB credit card payment options is that of contactless purchasing. Contactless payments allow the Edge ADIB credit card member 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 Edge ADIB credit card’s magnetic strip as well.

Benefits of ADIB Edge Card

The long list of Edge ADIB credit card benefits can be browsed through below

ADIB Rewards

As owners of the Edge ADIB credit card, customers also receive membership into the ADIB Rewards program. The ADIB rewards program allow this ADIB credit card members to earn incentives for every AED of expenditure made with the card. Details on the rewards program are available in the following section.

Dining & Cash Back

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

Complimentary Golfing

Owners of the Edge ADIB credit card may enjoy complimentary golfing at Arabian Ranches Golf Club in Dubai. This Edge ADIB credit card offer is valid for one free round every month.

Roadside Assistance

Also included in the many Edge ADIB credit card benefits is complimentary roadside assistance. The Edge ADIB credit card roadside assistance services include emergency assistance, towing, jump starts, flat tyre changing and much more.

Valet Parking

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

Visa Benefits

As a Visa card, the Edge ADIB credit card also offers access to the following Visa benefits:

  • Airport Lounges: Owners of the Edge 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.
  • Travel Insurance: The Edge ADIB credit card offers complimentary multi-trip travel insurance for the cardholder, a spouse and 5 children. 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.

ADIB Edge Card Rewards & Offers

Details on the ADIB Rewards program and the numerous Edge ADIB credit card offers are provided below:

ADIB Edge Card
Rewards Offers
Owners of the Edge ADIB credit card may redeem their accumulated ADIB reward points for flight tickets at any airline or for shopping vouchers at various malls in Dubai and Abu Dhabi. The Edge ADIB credit card offers can be found on the ADIB website under the Offers & Promotions page.  The offers are updated regularly and cover a wide variety of expenses.
Cardholders earn 2.5 ADIB rewards points for any Edge ADIB credit card expenditure worth AED 1.

(Updated on April 2019)


ADIB Edge Card Eligibility & Fees

Edge ADIB credit card eligibility conditions and fees are given in the following table:

ADIB Edge Card
Eligibility Fees
Edge ADIB credit card applicants will have to present ID and Address proof documents. Annual Membership Fee: AED 750
The minimum income required to meet the Edge ADIB credit card eligibility is AED 30,000 per month. Profit Rate: 2.99% (every month)
Only UAE residents may apply for the Edge ADIB credit card. Late Fee: AED 100 (donation)

(Updated on April 2019)

Additional Benefits of ADIB Edge Card

Some of the many other Edge ADIB credit card benefits are:

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

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.