ADIB Spice Card

ADIB or the Abu Dhabi Islamic Bank offers a wide range of services and products, conducting business with an aim to create value for its customers. Among its diverse variety of products, one popular product is the credit card. ADIB has a diverse array of credit cards that are offered to the customer, one of these cards is the ADIB Spice Card.ADIB Spice Card

The ADIB Spice Card aims to ‘spice’ up the life of the cardholder with the numerous benefits and perks that are offered on this card. From dining discounts to jewelry discounts, cashback to airport lounges, name it and have the ‘spice’ of it. 

Features & Benefits of the ADIB Spice Card

Below is an insight into the numerous benefits and features of the ADIB Spice Card: 

Cash on Call

ADIB understands that a cardholder may face a situation in which he or she might have a financial emergency. Therefore, it offers the card members the option to access the Cash on Call facility. With this facility, the cardholder can get access to cash up to his or her available credit limit in just a phone call. This helps in saving on the extra charges and offers flexibility for repayments with numerous tenure options.

Balance Transfer

The cardholder can now transfer all other cards’ outstanding dues on his or her ADIB Spice Card with the Balance Transfer facility. This service can be used simply by calling the ADIB helpline.

Complimentary Airport Lounge Access

The card member of an ADIB Spice Card no longer has to worry about the crowded airports, be it working in peace or just relaxing in a quiet place, there’s a place for all. The cardholder can access various lounges in airports across the GCC by simply presenting his or her Spice Card. The list of airport lounges that can be accessed is available on ADIB’s official website.

Easy Payment Plan

Cardholders can convert their big purchases into small affordable periodic payments with the partner retailers by using the Easy Payment Plan offered by ADIB.

Cash Advance Facility

This ADIB credit card comes with a cash advance facility that enables its cardholders to withdraw cash up to 100% of their available financial limit when required.

Contactless Payments

With the NFC enabled credit card, the cardholder can make safe and quick card payments. 

Rewards & Offers of the ADIB Spice Card

Below are the best rewards and offers for the cardholder of the Spice Card: 

The “Spiciest” Offers

  • Restaurants: The cardholder of the ADIB Spice Card is eligible for exclusive discounts on dining at several restaurants across the UAE. In addition to this, he or she is also eligible to obtain a 9% cashback on the restaurants.
  • Jewelers: Card members of the ADIB Spice Card can convert their purchases into an Easy Payment Plan of a tenure ranging between 3 to 6 months at a 0% Murabaha (profit). This offer is valid on 3 jewelers, they are Joyalukkas, Pure Gold, and Al Liali Jewellery. This offer can be obtained on a minimum spend of AED 1,000 and is not valid for gold bars or gold coins.

ADIB Rewards Program

Cardholders can make the best out of their purchases with the ADIB Rewards Program.  The accumulated points earned by the card members can be used across a variety of spending categories such as airline tickets, and shopping vouchers. For every 1 AED spent locally on the Spice Card, the members earn    1 reward point and for every 1 AED spent internationally, 2 points are rewarded.

Redemption of ADIB Rewards: 

  • Air Flights: Card members have the option to redeem their ADIB rewards against flight tickets on any of airlines, to any destination, and at any time.
  • Shopping Mall Vouchers: The ADIB reward points can be redeemed in the form of shopping mall vouchers at 3 malls, namely Abu Dhabi Mall, Sahara Centre Sharjah, and Sharjah Mega Mall.

Cashback Offers

With a minimum spend of AED 3,000 in a month (locally as well as internationally), card  members can enjoy the following cash back offers with the ADIB Spice Card:

  • A cashback of 1% on utility payments
  • A cashback of 4% on fuel spends
  • A cashback of 7% on supermarket and grocery spends
  • A cashback of 9% on the restaurant spends

The maximum cashback is capped at AED 50 on utility payments, AED 100 on grocery spends, AED 200 on restaurant spend and AED 50 on fuel.

Priceless Arabia Offers

This offers the card member a unique collection of experiences that are specially created for MasterCard members. From shopping, dining, and sports to exciting travel & attractions, members of this card can enjoy a wide range of exclusive offers. Further details can be found on Priceless Arabia's official website. 

Eligibility Criteria & Required Documents for the ADIB Spice Card

Eligibility Criteria

The eligibility criteria for a ADIB Spice card are as follows: 

  • The minimum salary requirement for UAE Nationals is AED 8,000.
  • The minimum salary requirement for Expatriates is AED 12,000.

Documents Required

The documents required in order to apply for a ADIB Spice card are: 

  • The original valid Passport of the applicant along with a valid copy of the same.
  • The original valid Emirates ID of the applicant and a valid copy of the ID.
  • Bank account statements of the last three months.
  • A salary certificate from the current employer which should not be more than 30 days old. 

Fees & charges for the ADIB Spice Card

The fees and charges for the cardholder of an ADIB Spice Card: 

Fees Amount

Annual Membership Fees

AED 199

Annual Membership Fees on fifth Supplementary Cards

AED 199

Profit Rate/ month (with Salary Transfer)

3.09 %

Profit Rate/ month (without Salary Transfer)

3.09 %

Cash Advance limit

100 %

Late Payment Charges

AED 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

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 International AED Transaction

1.8 %

(Updated as of February 2020) 

Frequently Asked Questions

Q1: What are the ways to make the payment on my ADIB Spice Card? 

Ans: There are numerous ways by which you can make the payment of your Spice card, such as: 

  1. ADIB Branches
  2. Cash and Check Deposit Machine
  3. Internet Banking
  4. Telephone Banking 

Q2: What are the malls eligible for redeeming the ADIB Rewards Points for shopping vouchers?

Ans: The 3 malls in which your reward points can be redeemed as shopping vouchers are:

  • Abu Dhabi Mall
  • Sahara Centre, Sharjah
  • Sharjah Mega Mall

Q3: How can the Reward Points be redeemed? 

Ans: The reward points can be redeemed across a variety of services by contacting the helpline number of ADIB that is 600 543216.

Q4: Is the spice offers valid on gold coins or gold bars?

Ans: No, the spice offer is not valid on gold bars and gold coins. 

Q5: How can I apply for the ADIB Spice Card? 

Ans: You can apply for the ADIB Spice Card by the following ways: 

  1. By filling the application online through the official website of the ADIB.
  2. By applying through the
  3. By visiting an ADIB
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