ADIB Free for Life Credit Cards

By Laxita Gautam
  | Published: 24 August 2021 | Last Updated On: 25 August 2021

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Founded in 1997, Abu Dhabi Islamic Bank commenced its operation intending to provide high-standard Islamic banking services in compliance with Sharia laws. The bank has a paid-up capital of 1 billion with its shares listed on the Abu Dhabi Securities Market. It offers several innovative products and services ranging from individual and corporate bank accounts to deposit schemes, securities, etc. All these products and services are compliant with Islamic banking laws.

ADIB credit cards are one of the popular banking products in the UAE. To make it affordable and convenient for customers, the bank offers ADIB free for life credit cards that levies no annual charges and can be availed at nominal salary requirements. 

Best ADIB Free for Life Credit Cards in UAE

ADIB Etisalat Classic Card

ADIB Etisalat Classic Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Dining Discounts
Reward Value: AED 3,000

Features & Benefits of ADIB Etisalat Classic Card

  • No annual membership charges.
  • Sign up bonus of 5000 Etisalat Reward points equivalent to two and a half hours of UAE talk time.
  • Get up to 55 days of grace period for debt repayments.
  • 1.5 Etisalat Smile points for every dirham spent in UAE or abroad. 
  • Up to 4 free supplementary cards.
  • Access various offers and discounts through the Etisalat Rewards website.

ADIB Value Card

ADIB Value Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Free for Life
  • Dining Discounts
  • Special Discounts
Reward Value: AED 2,808

Features & Benefits of ADIB Value Card

  • No annual charges.
  • Earn rewards for each local and international spending. 
  • Redeem reward points for free flights and shopping vouchers. 
  • Redeem ADIB reward points for shopping mall vouchers in Abu Dhabi and Sharjah. 
  • Pay utility bills. 
  • Includes purchase protection and extended warranty. 

ADIB Value+ Card

ADIB Value+ Card
Free for life
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Free for Life
  • Dining Discounts
  • Airport Lounge Access
Reward Value: AED 3,996

Features & Benefits of ADIB Value+ Card

  • No annual charges. 
  • One of the most flexible reward cards. 
  • Redeem your ADIB rewards to claim shopping vouchers, flight tickets on any airline and to any destination. 
  • Complimentary access to airport lounges across GCC nations/MENA region.
  • Avail 100% cash advance limit. 
  • Redeem reward points for shopping vouchers in Abu Dhabi and Sharjah malls.
  • Utility bill payments facility.
  • Balance transfer facility. 

ADIB Smiles Classic Card

ADIB Smiles Etisalat Classic Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Dining Discounts
Reward Value: AED 3,000

Features & Benefits of ADIB Smiles Classic Card

  • No annual membership charges. 
  • Sign up bonus of 5000 Smiles points.
  • Avail Buy 1 Get 1 offer and other discounts using the Smiles app.
  • Redeem Smile points to avail discounts on flight bookings in over 1000 airlines and over 50,000 hotel bookings.
  • Numerous discounts on car rentals, retail stores, online shopping and restaurants through the Etisalat Rewards website. 
  • Balance transfer facility.
  • Cash on call up to 100% of the credit limit.
  • Easy installment plans.

Features of ADIB Free for Life Credit Cards

  • No Annual Membership Charges - The customers can apply and avail of the credit cards right away without having to pay any upfront membership fees.
  • Salary Requirements - Individuals need to fulfill the minimum salary requirement to apply for the ADIB no annual charge credit card. The salary criterion ranges from AED 5000 to 8000. 
  • Balance Transfer Facility - ADIB credit cards offer the balance transfer facility where the cardholder can transfer their debt on a different credit card and avail additional time and lower interest rates to repay their debts.
  • Cash Advance Facility - ADIB offers the cash advance option up to 100% of the credit limit. Cardholders can withdraw cash using the facility at any ATM across UAE and abroad. 
  • Complimentary Airport Lounge Access - The bank offers free access to numerous airport lounges across UAE and major international airports worldwide. Individuals just need to show their credit cards at the airport lounge reception. 
  • Dining Offers and Lifestyle Benefits - Various ADIB no annual charge credit cards include dining and lifestyle benefits that offer discounts on entertainment and dining bills across UAE. 
  • Rewards and Cashback Programs - ADIB credit cardholders get access to a wide range of rewards and cashback programs periodically including Smiles points and sign-up bonuses.   

Benefits of ADIB Free for Life Credit Cards

ADIB offers numerous benefits and privileges on the no annual charge credit cards. Several cards include cashback and rewards on each transaction with exclusive lifestyle and travel benefits. Below are the key benefits of ADIB credit cards with no membership fee. 

  • Includes no annual membership charges or renewal fees.
  • ADIB offers a grace period of up to 55 days on various no annual fee cards.
  • It offers up to a 100% cash withdrawal limit on different cards.
  • Earn 1.5 Etisalat Smile points for each AED spent internationally and locally. 
  • Receive sign-up bonuses of up to 5,000 Smile points on the ADIB Smiles Classic Card.
  • ADIB also offers Buy 1 Get 1 deals and discounts on various credit cards. 
  • Enjoy dining and other lifestyle privileges with ADIB no annual fee credit cards. 
  • Avail easy installments of 3, 6, 9 and 12 months with 100% waiver of Murabaha Monthly Profit and no processing charges. 
  • Enjoy discounts and offers on travel and hotel bookings including airport lounge access.    

Best ADIB Free for Life Credit Cards

Here is the list of best ADIB no annual charge credit cards with their salary criterion and key features.

Type of ADIB Credit Card

Salary Requirement

ADIB Etisalat Classic Card

  • Minimum salary requirement of AED 8,000

ADIB Smiles Classic Card

  • Minimum salary requirement of AED 8,000

ADIB Value Card

  • Minimum salary requirement of AED 8,000

ADIB Value+ Card

  • Minimum salary requirement of AED 8,000


Eligibility Criteria for ADIB Free for Life Credit Card

An individual may need to satisfy certain eligibility criteria depending on the credit card. Here is the list of basic eligibility criteria to apply for an ADIB credit card. 

  • An applicant needs to be at least 21 years old.
  • Must satisfy the minimum salary requirements for the card he/she is applying for. 
  • UAE nationals and residents require Emirates ID and the expats need to submit a copy of their passport and visa with address details. 

Documents required for ADIB Free for Life Credit Card

Given below is the list of documents required to apply for ADIB credit cards. 

  • A copy of a valid passport and original for validation and record. 
  • Original and a copy of valid Emirates ID. 
  • Bank account statement of last 3 months.
  • Salary slip/certificate issued by the current employer (not more than a month old).

Note: The bank may ask for additional documents at its discretion for verification and record. 

How to apply for ADIB No Annual Fee Credit Card?

The bank offers convenient online and offline channels to apply for credit cards. An individual can use any of the below-mentioned ways at his/her convenience.

  • Online Application - An individual needs to visit the ADIB official website, select the card type, and enter personal details. Subsequently, the bank representative will contact you for the further application process. 
  • Offline Application - Applicants can visit a local ADIB branch at their ease. They need to carry all the required documents and fill the application form as instructed. To locate the nearest branch, individuals can log in to the ADIB official portal and check the branch location.
  • Apply via Phone - ADIB also offers the application facility via phone. Individuals need to call on the mentioned phone number - 600 543216 and the bank representative will guide them through the application process. 

Charges & Fees on ADIB No Annual Fee Credit Cards

Following is the list of charges and fees on ADIB no annual fee credit cards. 

ADIB Credit Card Facility Fees and Charges

Monthly Profit Rates with salary transfer

3.29% for Smiles Cards

3.33% for Emirates Skywards Cards

2.99% for ADIB Edge and Etihad Guest Cards

Cash Advance Fee

3% or AED 99 (whichever is higher)

Grace Period

55 days from the transaction date

Supplementary Cards Charges

Free for up to 4 supplementary cards 

Cash Withdrawal Limit

100% of the credit limit on all cards

Other Banks That Offer the Free for Life Credit Card in UAE

Credit Cards with No Annual Fees
FAB Free for Life Credit Cards in UAE ADCB Free for Life Credit Cards in UAE
DIB Free for Life Credit Card in UAE CBI Free for Life Credit Cards in UAE
Citibank Free for Life Credit Cards in UAE American Express Free for Life Credit Cards in UAE
RAKBANK Free for Life Credit Cards in UAE Najm Free for Life Credit Cards in UAE

FAQ's on ADIB Free for Life Credit Card in UAE

Am I eligible for various rewards and cashback programs with ADIB free for life credit cards?

Yes, ADIB credit cards offer numerous rewards and cashback on each expenditure locally and internationally. You can earn Smile points and Etisalat Rewards points on no annual fee credit cards. 

Is there a minimum salary requirement for ADIB credit cards?

Yes, an individual needs to satisfy the minimum salary criterion to avail ADIB credit cards. Salary requirements for no annual charge credit cards are low and ranges between AED 5000 to 8000.

What is the cash advance limit on the ADIB credit cards?

ADIB offers a 100% cash advance limit on the credit card, meaning the cardholder can withdraw cash up to the credit limit of that specific card.

Laxita Gautam
Laxita Gautam137 Posts

Senior Content Writer | She functions on classic British fiction, Japanese manga, and strong americanos. Laxita is tailor-made to create engaging, interactive pieces that offer simplified insights into complex subjects.