ADIB Etihad Visa Classic Card

Headquartered in Abu Dhabi, ADIB is an Islamic Banking institution that serves the UAE customer with its varied range of ADIB credit cards. The bank is one of the most successful and popular Islamic Banking organizations in the UAE. ADIB boasted of a humongous total revenue of more than AED 5.5 billion in 2018. The ADIB credit card offers customers a Shari’a-compliant system of banking that prohibits interest and encourages charitable donations by cardholders and the bank alike.ADIB Etihad Visa Classic Card

Among all credit cards offered by the bank, ADIB Etihad Visa Classic credit card is one of the best cards that is known for its reasonable membership costs and incredible card benefits. This ADIB credit card offers its cardholders access to various travel benefits and local offers that can be availed of to save enormously.

Features & Benefits of ADIB Etihad Visa Classic Card

The various ADIB Etihad Visa Classic credit card features and benefits are as follows:

Security

The ADIB Etihad Visa Classic credit card is equipped with a distinctive microchip, which is impossible to duplicate and counterfeit. This is an example of a Chip & Pin card and it is the latest form of security available for credit cards today.

Connectivity

An ADIB Etihad Visa Classic credit card is a Visa card and hence members of this credit card can enjoy all the benefits of a Visa card. This includes a wide global network of Visa-accepting vendors and ATMs, allowing the ADIB Etihad Visa Classic credit card to be used without interruption anywhere in the world.

Customer Friendly

ADIB Etihad Visa Classic credit card members can access help from the ADIB customer support staff at any time and from anywhere in the globe with just a call, text or instant message. The ADIB credit card customer care staff is available 24/7 and can be  contacted via the phone, mobile app, ADIB credit card  online portal or even through SMS.

Supplementary Cards

ADIB Etihad Visa Classic credit card members may request for up to four free supplementary ADIB cards. Supplementary ADIB credit cards offer access to a shared credit limit and can be issued to  family members for monitored spending that is linked to the primary ADIB credit card account.

Annual Fee Waiver

The ADIB Etihad Visa Classic credit card charges an annual membership fee of AED 500. This fee can be waived entirely through the Etihad Guest Miles program. This ADIB credit card offers a waiver on the annual membership fee in return for a set number (12,500) of Etihad Guest Miles.

Roadside Assistance

ADIB Etihad Visa Classic credit card members also receive free roadside assistance, which  includes the following services:

  • Complimentary jump start facility.
  • A maximum of 5 times city limit towing services one time a year.
  • Facility of flat tyre on a complimentary basis.
  • Facility of lock out on a complimentary basis.
  • Facility of fuel delivery on a complimentary basis.

Cash Withdrawal

The ADIB Etihad Visa Classic credit card allows cardholders to withdraw 100% of their available credit card limit  as instant cash. This can be done from any Visa-accepting ATM in the world.

0% Easy Payment Plan

ADIB Etihad Visa Classic credit card holders can make large purchases of AED 1000 and above than that at participating merchants and then convert their purchases into equated monthly installments at 0% profit rate.

Balance Transfers

The balance transfer facility offered by this ADIB credit card enables the outstanding balance amount of any other credit card to be transferred to the ADIB Etihad Classic credit card. 

Easy Cash

This ADIB credit card empowers its cardholders to avail funds for short term whenever required.

ADIB Etihad Visa Classic Card Rewards & Offers

Cardholders can enjoy the following offers and rewards with this ADIB credit card:

Welcome Bonus

ADIB Etihad Visa Classic credit card holders receive membership to the Etihad Guest Miles program, which is Etihad’s frequent flyer loyalty program. Moreover, the cardholder can earn 10,000 Etihad Guest Miles as a sign up bonus which is amongst the highest of any travel credit card throughout the Middle East.

Rewards

As a cardholder of the ADIB Etihad Classic credit card, one can earn ‘Etihad Guest Miles’ on each AED 4 spent across various categories and they can further redeem those rewards points for free flights, hotel bookings, furniture, electronics, gift vouchers and even annual fee waivers. Well, members of this ADIB credit card can earn Etihad Guest Miles in the following ways:

  • By spending AED 4 internationally, the cardholder earns 1 Etihad Guest
  • By spending AED 4 locally, the cardholder earns 0.75 Etihad Guest Miles.

Dining Discounts

ADIB Etihad Visa Classic credit card holders can avail up to 25% discounts on all participating restaurants.

ADIB Etihad Visa Classic Card Eligibility Criteria & Required Documents

Eligibility Criteria

The applicant must have a minimum monthly income of AED 5000 to be eligible for the ADIB Etihad Visa Classic Card.

Required Documents

The applicant needs to submit the following documents to apply for this ADIB credit card:

  1. The applicant has to have the original valid passport and a valid copy of the
  2. The applicant has to have the original valid Emirates ID along with its valid
  3. The bank account statements of the applicant for the last 3
  4. A salary certificate obtained from the current employer that should not be more than 30 days

Fees & charges for the ADIB Etihad Visa Classic Card

The table below states the fee and charges for this ADIB card:

Fees Amount

Annual Membership Fees

AED 500

Annual Membership Fees on fifth Supplementary Card

AED 500

Profit Rate/ month (with Salary Transfer)

2.99 %

Profit Rate/ month (without Salary Transfer)

3.09 %

Cash Advance limit

100 %

Late Payment Charge

AED 100

Charges on Cash Withdrawal (ATM)

3 % (99 minimum)

International Transaction Charge

1.80%

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 %

(Updated as of February 2020)

Frequently Asked Questions

Q.1. Is this ADIB Etihad Visa Classic Card offers the facility of roadside assistance?

Ans: Yes! This ADIB credit card offers free roadside assistance service that includes free jump start services, free lock out service, free flat tyre services, free fuel delivery service, and much more.

Q.2. Can I get supplementary card with this credit card offered by the ADIB?

Yes, you can avail up to 4 free supplementary or add-on cards for the eligible family members. After that, you will have to pay AED 500 for each supplementary ADIB Etihad Visa Classic Card.

Q.3. Does this card offer any welcome bonus?

Ans: Yes, the cardholder can earn 10,000 Etihad Guest Miles as a sign up bonus which is amongst the highest of any travel credit card throughout the Middle East.

Q.4. Is there balance transfer facility offered on this card?

Ans: Yes, balance transfer facility is offered by this ADIB Etihad Visa Classic Card.

Q.5. Does this ADIB credit card have global acceptance?

Ans: Yes, the ADIB Etihad Visa Classic Card has international acceptance and it is quite safe, flexible, and convenient to use.

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