Abu Dhabi Islamic Bank (ADIB) Rewards Points Credit Cards in UAE

By Atul Yadav
  | Published: 15 November 2021 | Last Updated On: 02 December 2021

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Established in 1997, Abu Dhabi Islamic Bank started operating commercially in 1998. Within 24 years, the bank has created a customer base across the UAE and abroad, offering Sharia-compliant services of the highest standards. The bank comes with a wide range of Islamic banking services and products, including bank accounts, credit and loan services, deposit schemes, and investment banking.

Along with the banking services, the bank also offers various sharia-compliant credit cards in UAE. Within numerous credit cards, ADIB credit cards are famous for their reward and cashback programs. Additionally, many ADIB rewards credit cards do not include annual fees, making them affordable. The article below gives an insight into the benefits, features, and ways to apply for these credit cards.

Best Abu Dhabi Islamic Bank (ADIB) Rewards Points Credit Cards in UAE

With numerous shopping and expense offers, ADIB comes with one of the best rewards offers on the credit card. Following is the list of the best Abu Dhabi Bank points/rewards credit card.

ADIB Value Credit Card

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

Features & Benefits for ADIB Value Credit Card

  • For every local spending using an ADIB Value credit card, you get 1 reward point per AED and 2 points for international spending. 
  • You can redeem the reward points for flight booking and exclusive shopping discounts. 
  • With the ADIB Smartdeals app, you get over a thousand exclusive dining offers across the UAE. 
  • ADIB Value credit cards offer purchase protection of USD 5,000 per item for accidental damages for up to 365 days. 
  • With the credit card, you get a combined extended warranty of 2 years on all eligible items. 
  • The credit card also offers takaful protection in case of unforeseen events like death, permanent disability, loss of employment and critical illnesses. 
  • You get convenient bill payment options using the Value credit card. 
  • With the credit card, you get a full suite of online account facilities with a monthly statement, phone banking facility, SMS alerts, etc. 
  • Using the ADIB Value credit card, you can withdraw up to 100% of your credit limit at any nearby ATM.
  • The credit card also offers a balance transfer facility at minimal rates and cash on call facility to boost your financial management. 

ADIB Value Plus Credit 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
  • Rewards

Features & Benefits for ADIB Value Plus Credit Card

  • With the ADIB Value Plus credit card, you get 1 reward point per AED on each local transaction and 2 points for international spending. 
  • Redeem the reward points for flight booking and exclusive shopping discounts. 
  • You get over a thousand dining offers across the UAE with the ADIB Smartdeals app. 
  • ADIB Value Plus credit cards offer purchase protection of USD 5,000 per item for accidental damages for up to 1 year. 
  • With the credit card, you get an extended warranty of 1 additional year on all eligible items. 
  • You get convenient bill payment options using the Value Plus credit card. 
  • With the credit card, you get a full suite of online account facilities with a monthly statement, phone banking facility, SMS alerts, etc. 
  • Using the ADIB Value Plus credit card, you can withdraw up to 100% of your credit limit at any nearby ATM.
  • The credit card also offers a balance transfer facility at minimal rates and cash on call facility to boost your financial management. 
  • With the Value Plus credit card, you can enjoy complimentary airport lounge access across the GCC region.
  • The card also comes with Priceless Arabia offers on dining, shopping, travel, and sports activities. 

ADIB Edge Credit Card

ADIB Edge Card
Free for life
  • Minimum Salary AED 30,000
  • Annual Fee AED 750
  • Valet Parking
  • Golf Benefits
  • Airport Lounge Access

Features & Benefits for ADIB Edge Credit Card

  • With the ADIB Edge credit card, you can earn up to 2.5 reward points on each and every AED you spend. Additionally, you get 0.25 reward points for spending at specific outlets. 
  • Using your Edge credit card, you can earn up to 10% cashback on all dining expenses across the UAE.
  • With the credit card, you get complimentary access to Arabian Ranches Golf Club Dubai once a month. 
  • The card comes with extensive roadside assistance round the clock, wherein you get unlimited towing service within the city limits, fuel and tyre replacement services, and more.
  • With the Edge credit card, you get free valet parking at selected locations across the UAE. 
  • The credit card also comes with access to luxury hotel collections through Visa Offers.
  • You get complimentary airport lounge access at over 1000 airports around the world.
  • When booking your trips using the Edge credit card, you get multi-trip travel insurance for travel accidents and inconveniences of up to USD 1 million.
  • ADIB Edge cards offer purchase protection of USD 7,500 per item for accidental damages for up to 365 days. 
  • With the Edge credit card, you get an extended warranty of 1 additional year on all eligible items.
  • Using the ADIB Edge credit card, you can get cash advances of up to 100% of your credit limit.
  • The credit card also offers a balance transfer facility at minimal rates and cash on call facility during emergencies. 

ADIB Etisalat Gold Credit Card

ADIB Etisalat Gold Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 299
  • Airport Lounge Access
  • Dining Discounts

Features & Benefits for ADIB Etisalat Gold Credit Card

  • Upon sign up, the Etisalat Gold credit card provides 20,000 Etisalat Smile Points, offering free local and international talk time. 
  • Additionally, you can redeem your Etisalat Smile Points for paying mobile bills, booking air tickets, car rentals, hotel and restaurant bookings, etc.  
  • For every dirham you spend at the specific outlet, you earn 1 Etisalat Point.
  • With the credit card, you get complimentary airport lounge access across the globe via Veloce lounge.  
  • You get a cash advance facility of 100% of your credit limit. 

ADIB Etisalat Platinum Credit Card

ADIB Etisalat Visa Platinum Card
Airport Lounge Access
  • Minimum Salary AED 10,000
  • Annual Fee AED 999
  • Airport Lounge Access
  • Dining Discounts
  • Valet Parking

Features & Benefits for ADIB Etisalat Platinum Credit Card

  • When you register for the Etisalat Platinum credit card, you earn 70,000 Smiles points and you can enjoy up to 38 hours of free local talk time. 
  • You can redeem your Etisalat Smile Points for paying mobile bills, booking air tickets, car rentals, hotel and restaurant bookings and more.  
  • For every dirham you spend at the specific outlet, you earn 1 Etisalat Point.
  • You get complimentary airport lounge access at any of the 60 premium airport lounges across the globe via Veloce lounge using the Etisalat Platinum credit card.  
  • The credit card offers a cash advance of 100% of your credit limit. 
  • Using the credit card, you can avail yourself of 4 complimentary valet parking every month at selected locations in the UAE.

ADIB Booking Infinite Credit Card

ADIB Booking.com Infinite Card
Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 2,000
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits

Features & Benefits for ADIB Booking Infinite Credit Card

  • With your ADIB Booking Infinite credit card, you earn 3 reward points for each AED you spend locally or internationally. 
  • You can redeem the reward points to avail of flight ticket discounts, hotel bookings and shopping vouchers. 
  • Upon signing up, you get 20,000 bonus reward points. 
  • While booking hotels through Booking.com, you get an additional 10% discount as a privileged member.
  • On booking flights using the Booking Infinite card, you get a 7% cashback, capped at AED 300 per month.  
  • For car rental bookings, your card offers an extra 7% discount with rentalcars.com
  • For every fuel expense done through the Booking Infinite credit card, you get 5% cashback.
  • When booking your trips using the Infinite credit card, you get multi-trip travel insurance for travel accidents and inconveniences of up to USD 1 million
  • ADIB Booking Infinite cards offer purchase protection of USD 6,000 per item against accidental damages for up to 365 days. 
  • With the Booking Infinite credit card, you get an extended warranty of 1 additional year on all eligible items.
  • You can convert your purchase into easy installments of 3, 6, 9 and 12 months. 
  • You can also avail yourself of a balance transfer facility at nominal profit rates. 
  • To secure your outstanding balance, the card offers takaful protection against unforeseen events such as loss of employment, cardholder’s death, critical illness or permanent disability. 
  • With your Booking Infinite credit card, you get global concierge service round the clock for hotel and travel bookings, hotel transfers, car hire, tourist activities, etc.
  • You can avail yourself of four free valet parking every month at select locations across the UAE.

ADIB Smiles Visa Platinum Credit Card

Features & Benefits for ADIB Smiles Visa Platinum Credit Card

  • With the ADIB Smiles Platinum credit card, you earn Smiles reward points that you can redeem to enjoy exclusive discounts on shopping, travelling, and dining. 
  • You can redeem your smile points to book over 1000 flights and over 50,000 hotels worldwide. 
  • With your Smiles Platinum credit card, you get complimentary airport lounge access at any of the 60 premium lounges across the globe.
  • Using the Smiles app, you can enjoy numerous Buy 1 Get 1 offers when you spend using your Smiles Platinum credit card.  
  • With the Smiles credit card, you get four complimentary valet parking each month at selected locations. 
  • You also get complimentary airport lounge access at over 60 premium airport lounges across the globe. 
  • Secure your outstanding balances with takaful protection against unfortunate events such as loss of employment, cardholder’s death, critical illness, or permanent disabilities.
  • With the Smiles Platinum credit card, you get the balance transfer facility, easy payment plans and cash on call services.
  • The bank offers a full suite of online banking services to credit cardholders.  

List of ADIB Rewards Credit Card with Salary Requirement

Type of Abu Dhabi Islamic Bank Reward Point credit card

Salary Requirements

ADIB Value Credit Card

  • A minimum income of AED 8,000 per month or above

ADIB Value Plus Credit Card

  • A minimum income of AED 8,000 per month or above

ADIB Edge Credit Card

  • A minimum income of AED 15,000 per month or above

ADIB Etisalat Gold Credit Card

  • A minimum income of AED 10,000 per month or above

ADIB Etisalat Platinum Credit Card

  • A minimum income of AED 5,000 per month or above

ADIB Booking Infinite Credit Card

  • A minimum income of AED 20,000 per month or above

ADIB Smiles Visa Platinum Credit Card

N/A

Eligibility Criteria to Apply for ADIB Reward Points Credit Cards

Before acquiring an ADIB Reward credit card, you need to satisfy a few eligibility criteria laid down by the bank. Each credit card has a different set of requirements depending on the individual’s salary and credit score. Following are the common eligibility criteria for various ADIB reward points credit cards.

  • Age - To apply for a reward points credit card, an individual must be at least 21 years old or above. For a few cards, the bank may have an upper age limit of 65 years. Applicants should verify the age requirement before applying. 
  • Income Requirement - The applicant needs to satisfy the minimum income criteria depending upon the card he/she is applying for.
  • Residency -  Most credit cards are available to UAE nationals and residents. Before applying for the ADIB rewards credit cards, the applicant needs to verify his residency. An expat can apply after furnishing relevant documents such as a UAE visa with the mandatory address proof page.  
  • Credit Score - During application, the bank verifies an individual’s credit history and score. With a decent credit score, the chances of acquiring an ADIB reward credit card increase.  

Documents required for ADIB Reward Points Credit Card

After ensuring your eligibility, you can proceed with collecting the documents. You need to submit the following documents while applying for the ADIB reward point credit card.

  • A valid passport and a copy for record and validation
  • Original and a copy of valid Emirates ID for all UAE nationals and residents
  • Last 3 months’ bank account statements
  • Salary slip or income certificate issued by the current employer in the UAE (not more than a month old)

Tip: - To have a convenient application process, you need to collect additional documents related to your finances and identity. The bank may ask for additional documents at its discretion. 

How to apply for ADIB Reward Points Credit Cards?

Individuals can conveniently apply for the ADIB reward points credit cards using online or offline channels at their ease. Following are the ways to apply ADIB reward points credit cards. 

  • Online Application - Visit the ADIB official website and select the best credit card as per your requirement. Subsequently, you need to enter your personal and contact details such as e-mail id and mobile number. The bank will contact you for the subsequent application process within the next couple of business days.
  • Offline Application - To apply offline, you need to visit the nearest ADIB bank with all the required documents, followed by filling up the credit card application form. The banking personnel will guide you through the application process. Once you successfully submit your application form along with the documents, the bank will dispatch your credit card to your registered address upon approval. 
  •  Apply via Phone - Abu Dhabi Islamic Bank accepts credit card applications via phone call as well. To apply through a phone call, you need to contact the bank’s customer support team and they will instruct you with the application process. You can visit the bank’s official website to acquire the customer support number. 

Charges & Fees on ADIB Reward Point Credit Card in the UAE

Following are the charges and fees on the ADIB reward credit cards.

Annual Charges 

ADIB Value Credit Card

Free for life

ADIB Value Plus Credit Card

Free for life

ADIB Edge Credit Card

AED 750

ADIB Etisalat Gold Credit Card

AED 299

ADIB Etisalat Platinum Credit Card

AED 999

ADIB Booking Infinite Credit Card

AED 2,000

ADIB Smiles Visa Platinum Credit Card

AED 999

Other Charges

Monthly Profit Rates (Without Salary Transfer)

3.09% per month (may vary depending on the reward card)

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

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FAQ's on ADIB Rewards Credit Card in UAE

What are the annual charges for the ADIB reward points credit card?

The annual charges for ADIB reward points credit cards depend on the type of credit card you own. A few cards such as ADIB Value and ADIB Value Plus cards do not levy any annual fee, while ADIB Booking Infinite credit card levies an annual fee of AED 2,000. It has to be noted that the cards with greater rewards usually come with greater annual fees.

Do I need to pay a fee for the takaful protection on the ADIB reward points credit card?

The takaful protection is an optional service to safeguard your outstanding balance in case of unfortunate events such as the cardholder’s death, critical illness, permanent disability, or loss of employment. To avail of takaful protection, you need to pay a nominal amount that is billed every month with your outstanding balance. Since the protection is optional, you can opt yourself out of the service anytime.

How can I redeem my reward points on the ADIB credit card?

To redeem the reward points, you can log into your credit card account and navigate to the rewards and offers sections. Select the redemption option to redeem the reward points. You can also contact the ADIB support team to redeem your reward points for flight and hotel bookings.

Which is the most affordable ADIB reward points credit card?

Considering the income requirement, the ADIB Etisalat Platinum credit card is the most affordable reward points credit card. It has a monthly income requirement of AED 5,000 or above.

Atul Yadav
Atul Yadav

Atul has had a flair for writing ever since he started writing essays in school, which inspired him to subsequently opt for a career in writing. He loves to write about places he's been to (the list is endless) and financial products that can help people make a real change in planning their finances better.