ADIB Etisalat Platinum Card

Apply for a Credit Card in 20 Seconds!

Credit Card with
Cashback and Rewards
T & C Apply

Best credit cards with 0 Annual fee*

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

The Etisalat Visa Platinum ADIB credit card is a type of Islamic Banking card that charges no interest and donates its accumulated late charges to charities across the nation. Additionally, the ADIB- Etisalat partnership also grants owners of the Visa Platinum ADIB credit card membership into the Etisalat Smiles reward program, the details of which will be explained below.
ADIB Etisalat Visa Platinum Card

Features & Benefits of ADIB Etisalat Platinum Card

The various Etisalat Visa Platinum ADIB credit card features & benefits have been summarized below: 

Secured Transactions

The Etisalat Visa Platinum ADIB credit card offers the most secure type of card –   the Chip &   Pin card.   A Chip & Pin credit card uses unique microchip technology to prevent duplication of the card.

Cash Advances

Owners of the Etisalat Visa Platinum ADIB credit card can withdraw their entire available credit limit as and when they require. Being a Visa card, the Etisalat Visa Platinum ADIB credit card offers cardholders the option to do so from any ATM locally or internationally.

Grace Period

Etisalat Visa Platinum ADIB credit card members are given the option to make outstanding payments over as many as 55 days of grace During this time neither are cardholders are charged any profit rate,  nor are they charged a late fee.

Supplementary Cards

Cardholders can request for four free supplementary        Etisalat      Visa  Platinum      ADIB credit cards. Supplementary ADIB credit cards share a  common credit limit and can be set with spending restrictions as per the primary cardholder’s request. All subsequent supplementary Etisalat Visa Platinum   ADIB  credit cards are issued for an annual fee of AED 999 per card.

Contactless Payments

With the NFC enabled ADIB Etisalat Platinum Card, the cardholder can make contactless payments that are quick, secured and cause less damage to the card.

Airport Lounge Access

Offered by Veloce Lounge, members of the Etisalat Visa Platinum ADIB credit card are given access to tons of airport lounges all over the globe. The benefits of an airport lounge access pass include free refreshments, high-speed WiFi, luxurious seating and more.

0% Payment Plans

The cardholder can split purchases made via the ADIB Etisalat Platinum card at partner retailers into affordable recurring payments that are spread across a fixed period. This feature is provided to cardmembers at a 0% profit rate. The easy 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.

Valet Parking

This ADIB credit cards offer the customer up to four complimentary valet parking passes each month. These can be availed of at dozens of partnered malls across Dubai and Abu Dhabi.

Balance Transfer

With the ADIB Etisalat Platinum card, the cardmember can easily consolidate his or her outstanding debt using the balance transfer facility for which the cardholder will have to pay a balance transfer fee.

Easy Cash

In case a cash boost is needed, cardmembers can make use of the easy cash feature. 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. 

ADIB Etisalat Platinum Card Rewards & Offers

The table below contains information on the Etisalat Smile Points earning parameters and on the various Etisalat Visa Platinum ADIB credit card offers:

Etisalat Smiles Rewards

Self-Funded Cardholders Can Earn:

Non-Self-Funded Cardholders Can Earn:

4 Etisalat Smile Points for every AED 1 spent locally or internationally.

2 Etisalat Smile Points for every AED 1 spent locally or internationally.

1 Etisalat Smile Point for every AED 1 spent on government services, utility and education bills, grocery purchases, real estate, and transportation.


The Etisalat Smiles Rewards program is a loyalty program offered by Etisalat and all Etisalat  Visa Platinum ADIB credit card members are automatically enrolled in it. Cardholders  can  redeem  their  earned Etisalat Smiles Points for flight tickets, hotel stays, Etihad Guest Miles and Etisalat talk time and data packs. The details on the Smiles Rewards earned as are follows:

These Etisalat Smiles Rewards can be redeemed to make payment for various Etisalat services such as: eLife Services

  • Mobile Bills
  • Hotels
  • Air Tickets
  • Holidays
  • Retail Stores
  • Car Hires
  • Online Rewards Shop
  • Restaurants

Joining Bonus

The cardholder is rewarded with a sign-up bonus of 70,000 Etisala Smile Reward points with the ADIB Etisalat Platinum credit card. These points are equivalent to:

  • 2100+ minutes talk time for calls made within the UAE.
  • 1100+ minutes talk time for calls made to India, Bangladesh, Pakistan, and Oman.
  • 850+ minutes talk time for calls made to Saudi Arabia, Kuwait, and Bahrain
  • 700+ minutes talk time for calls made to Phillippines, Egypt, Syria, Jordan, and Lebanon.

Dining Discounts

Cardmembers can enjoy exciting discounts worth 25% on dining at various partner restaurants across the UAE.


Cardholders can access dozens of Etisalat  Visa Platinum  ADIB credit card offers via the SMARTDEALS page on the ADIB site. These include discounts and promotions on dining, wellness, entertainment, lifestyle and more. 

ADIB Etisalat Platinum Card Fee & Charges

The table below contains details on the fees and charges for the Etisalat Visa Platinum ADIB credit card:

Fees Amount

Annual Membership Fees

AED 999

Annual fee from 5th supplementary card onwards

AED 999

Profit Rate/ month (with Salary Transfer)

2.99 %

Profit Rate/ month (without Salary Transfer)

3.09 %

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 Platinum Card

The following documents are required to apply for this ADIB Etisalat card: 

  1. Original and copy of a valid Passport
  2. Original and copy of a valid Emirates ID
  3. Bank account statement of last 3 months
  4. A salary certificate issued by the current employer, that is not more than 30 days old 

FAQs on ADIB Etisalat Platinum Card

Q1:  How can I use my points to pay for the different Etisalat services? 

Ans: The Etisalat Smiles Reward points can simply be redeemed by visiting the Etisalat Smiles website. 

Q2: What are the modes by which I can make payment for my ADIB Etisalat Platinum card?

Ans: The payment for this ADIB Etisalat card can be made by any of the following platforms:

  1. ADIB Branches
  2. Phone Banking
  3. Online Banking
  4. Exchange Houses
  5. ADIB CCDM (Cash and Check Deposit Machine) 

Q3:  What is the fee charged for a damaged card? 

Ans: There is no service fee applicable if the cardholder deposits the damaged card to the ADIB branch. 

Q4: Which platforms can be used to apply for the Etisalat Platinum card offered by ADIB?

Ans: The applicant can apply using any of the below-mentioned platforms:

  1. Apply online by visiting ADIB’s
  2. Apply over the phone by  calling the  dedicated helpline number (UAE: 8002828, International: +97126100600)
  3. Apply by visiting any of the ADIB

Q5: What are the different ways to bank with ADIB?

Ans: The following are the ways to bank with ADIB:

  1. Phone banking
  2. SMS banking
  3. Mobile banking
  4. Internet banking

Reviews & Ratings

4.6/5 (based on 13,000+google icon reviews)
More From Credit Cards
Recents ArticlesPopular Articles