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ADIB Etisalat Classic Card

Very few Islamic Banking organizations put in as much effort on community development and charitable donations as ADIB does. In fact, even the ADIB credit cards display this generosity, donating any accumulate late payment charges to a charity of ADIB’s choosing. ADIB is headquartered in Abu Dhabi and opened its doors as early as 1997. Before any ADIB credit card is launched, it is first overlooked by a Shari’a board of experts who determine whether or not the product is Shari’a-compliant or not.

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.

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 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 by only allowing a certain amount of purchase to be made every day via this Etisalat Classic ADIB credit card payment option.

Visa Advantages

Etisalat Classic ADIB credit cards use the Visa payment network to function. As a Visa-partnered card, the Etisalat Classic ADIB 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 ADIB 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.

Benefits of ADIB Etisalat Classic Card

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 in the following section.

Cash Withdrawals

While most credit 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 grace period, during which they are charged no profit and no late fee.

ADIB Etisalat Classic Card Rewards & Offers

Information on the Etisalat Classic ADIB credit card offers and Etisalat Smile Rewards is provided in the following table:

ADIB Etisalat Classic Card
Rewards Offers
As Etisalat Classic ADIB credit card members, cardholders earn Etisalat Smile Points that are redeemable for travel and retail benefits such as complimentary flights, hotel stays, car rentals, shopping vouchers and much more. New Etisalat Classic ADIB credit card members receive a welcome bonus of 5,000 Etisalat Smile Points.
Etisalat Classic ADIB credit card members earn Etisalat Smile Points in the following ways: ADIB offers various discounts and promotions on a wide variety of spending categories which can be found on the ADIB website.
1.5 Etisalat Smile Points for local and international spending worth AED 1.
1 Etisalat Smile Points for AED 1 of spending on government services, fuel, bill payments, transport, real estate and supermarket shopping.

(Updated on April 2019)

ADIB Etisalat Classic Card Eligibility & Fees

The various Etisalat Classic ADIB credit card eligibility criteria and fees are mentioned in brief in the table below:

ADIB Etisalat Classic Card
Eligibility Fees
To qualify for the Etisalat Classic ADIB credit card, applicants will have to provide valid UAE address and ID proof. Annual Membership Fee: Free for life
To qualify for the Etisalat Classic ADIB credit card, applicants will also have to employment and income proof. Monthly Profit Rate: 2.99% - 3.09%
As of now, the Etisalat Classic ADIB credit card is only offered to UAE residents. Late Fee: AED 100 (donated by ADIB to charity)

(Updated on April 2019)

Additional Benefits of ADIB Etisalat Classic Card

The Etisalat Classic ADIB credit card also offers the following benefits:

ADIB Credit Card Online

The Etisalat Classic ADIB credit card online portal, known as e-ADIB, allows cardholders to bank from anywhere, on-the-go.

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.

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