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ADIB Etisalat Classic Card

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As suggested by its name, the Etisalat Classic ADIB credit card was created as a result of the partnership between ADIB and one of  UAE’s premier telecom agencies – Etisalat. As such, the Etisalat Classic ADIB credit card offers membership to the Etisalat Smile Rewards program, i.e. the Etisalat loyalty program. Etisalat Classic ADIB credit card members may avail of dozens of travel and lifestyle incentives as part of this program.
ADIB Etisalat Classic Card

Features & Benefits of ADIB Etisalat Classic Card

The many features and benefits of the Etisalat Classic ADIB credit card have been explained below: 

Card Security

Etisalat Classic ADIB credit cards offer the most trusted form of card security, the Chip & Pin security protocol. Chip & Pin security involves using a special microchip, which is nearly impossible to duplicate.  By using such chips in a card, the Etisalat Classic ADIB credit card completely protects its cardholders against fraud.

No Contact Payment

The Etisalat Classic ADIB credit card allows cardholders to make contactless payments at eligible POS machines. Contactless payments can be made by simply waving the NFC enabled Etisalat Classic ADIB credit card in front of the card machine. Not only is this payment method very convenient, but it also implements a system of security and does not damage the card.

Visa Advantages

Etisalat Classic ADIB credit cards use the Visa payment network to function. As a Visa-partnered card, this credit card offers connectivity across majorly every ATM in the world. Cardholders may use their Etisalat Classic ADIB credit card for domestic and international transactions alike. 

Support

Cardholders can clarify all their queries regarding the Etisalat Classic ADIB credit card in many different ways. In addition to the A DIB credit card online support, cardholders may also access customer care via the ADIB mobile app, through the phone, and by SMS. Customer support is available all throughout the day and from anywhere across the globe.

Cash Withdrawals

While most c redit cards offer cash withdrawal options only up to a  pre-defined percentage of the card’s available credit limit, the  Etisalat Classic ADIB credit card allows cardholders to withdraw the entire 100% of their available limit. This can be done through any ADIB branch in the UAE or any ATM in the world.

Grace Period

In return for using the Etisalat Classic ADIB credit card limit, cardholders are expected to make a minimum monthly payment of 5% of the outstanding balance or AED 100, whichever is higher. However, Etisalat Classic ADIB credit card members are given a generous 55 days of a grace period, during which they are charged no profit and no late fee.

0% Easy Payment Plans

The cardholder can easily convert the purchases on the ADIB Etisalat Classic card into affordable installments at a 0% profit rate at the partner retailers. The 0% payment plan is an innovative facility offered by ADIB that allows customers to make hefty payments at once which are later broken into smaller fragments which makes it easier for customers to repay the outstanding amount

Easy Cash

In case of need for immediate funds, the cardholder can access the easy cash feature offered by ADIB. The easy cash facility is similar to insurance coverage that provides a blanket of financial protection to the loved ones and family members of the cardholder during unforeseen events. 

Balance Transfer

Cardmembers can consolidate their debt on this ADIB card by using the balance transfer facility for which the cardholder will have to pay a balance transfer fee. 

ADIB Etisalat Classic Card Rewards & Offers

Etisalat Classic ADIB credit cards offer the following incentives to card members: 

Etisalat Smile Rewards

The Etisalat rewards program is known as  Etisalat Smile Rewards and cardholders receive membership to the same as soon as the Etisalat Classic ADIB credit card is issued to them. Further details on the Etisalat Smile Rewards incentives are given below: 

  • 1.5 Etisalat Smile Points for local and international spending worth AED 1.
  • 1 Etisalat Smile Points for AED 1 of spending on fuel, government services, bill payments, real estate, transport, and supermarket shopping.

Phone billsThese points can be redeemed to make payments of a variety of services through the official website of Etisalat Rewards, such as:

  • Airline tickets
  • eLife services
  • Hotels
  • Holidays
  • Retail stores
  • Restaurants
  • Car rentals
  • Online rewards shop 

Joining Bonus

The cardholder is awarded a sign-up bonus of 5,000 Etisalat Reward points. These are equivalent to: 

  1. Over 150 minutes of UAE talk time.
  2. Over 80 minutes of talk time when making calls in India, Bangladesh, Pakistan, and
  3. Over 60 minutes of talk time when making calls in Kuwait, Saudi Arabia, and
  4. Over 50 minutes of talk time when making calls in Syria, Jordan, Egypt, Phillippines, and Lebanon. 

Dining Discounts

Cardmembers can enjoy discounts of up to 25% across partner restaurants across UAE. 

Other Deals

Cardholders may avail of additional discounts that the Etisalat Classic ADIB credit card offers via its SMARTDEALS SMARTDEALS can be found on the ADIB website. 

ADIB Etisalat Classic Card Fees and Charges

Below is a table detailing the fee and charges for an ADIB Etisalat Classic Card:

Fees Amount

Annual Membership Fees

Free for life

Profit Rate/ month (with Salary Transfer)

2.99 %

Profit Rate/ month (without Salary Transfer)

3.29 %

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

Late Payment Fee

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

(The prices and interest rates are subject to change as per the bank's requirement.) 

Documents Required for ADIB Etisalat Classic Card

The documents required in order to apply for an Etisalat Classic ADIB credit are as follows: 

  1. Valid passport (original and copy)
  2. Valid Emirates ID (original and copy)
  3. Latest 3 months’ bank statements
  4. Salary certificate issued by current employer (should not be more than a month old) 

Frequently Asked Questions on ADIB Etisalat Classic Card

Q1: What is the annual fee charged on this card? 

Ans: The ADIB Etisalat Classic Card is free for life i.e., there is no annual fee charged to cardmembers. 

Q2: How can I make my card payments? 

Ans: The card payments for this ADIB card can be made via the following platforms: 

  1. ADIB branches
  2. Online banking
  3. Phone banking
  4. Exchange houses
  5. ADIB CCDM 

Q3: How many supplementary cards can be issued without any additional cost?

Ans: The cardholder can avail of 4 supplementary cards absolutely free of cost.

Q4: How can I apply for the ADIB Etisalat Classic Card? 

Ans: The applicant can apply for this ADIB card online, via the phone or by visiting any of the ADIB branches.

Q5: Is there any fee charged for damaged cards? 

Ans: If the cardholder manages to return the damaged card back to the ADIB branch, there is no fee  levied.