ADIB Value+ Card

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  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts




Best credit cards with 0 Annual fee*


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  • 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

This Titanium ADIB Credit Card is full of various benefits including complimentary airline tickets, shopping vouchers, offers on dining in the UAE and many more. The card members can earn rewards on various local and international spending. With various amazing benefits, this credit card makes it easier  to  maintain a  good lifestyle in the UAE.

Benefits and Features of ADIB Value+ CardADIB Value+ Card

Here is a list of the major features and benefits offered by this ADIB credit card

Cash Withdrawal

The cardholders have the option to make cash withdrawals up to  100% of  their finance limit through this  card.

Shopping Vouchers

The cardholders can redeem their ADIB Reward Points for vouchers that can be used at the following shopping malls in Sharjah, Dubai, and Abu Dhabi. 

  1. Abu Dhabi Mall
  2. Sharjah Mega Mall
  3. Sahara Centre 

Dining Offers

The card member can avail 1,000 amazing offers on dining benefits through the ADIB smartdeals app. 


The card members can redeem their ADIB Reward Points on flight tickets for any destination, any airline at any time.

Account Management

  • The information and transaction alerts can be received through SMS.
  • ADIB offers round the clock phone banking option to the cardmember for a secure and fast way to access their accounts.
  • The cardholders can make transactions through the ADIB Value+ Card on the official website of the  bank using the online banking facility.
  • The account statements are sent online (e-statement) via email every month. 

Payment of Utility Bills

The card members can pay the bills listed below using phone banking or online banking. 

  1. Electricity and Water Bills (SEWA, DEWA, ADWEA)
  2. Du/Etisalat Bills (Mobile, Landline, Internet, and TV) 

Payment Options

The bank offers the following options for making payments:

  • Branches of ADIB- The card members can pay their ADIB credit card at more than 89 ADIB branches located within the seven Emirates in the UAE.
  • Cheque & Cash Deposit Machines- ADIB CCDM can be used throughout the day in order to settle  card payments.
  • Online Banking- The payments for ADIB Credit Card can be done through the e-ADIB Internet Banking’s card payment sections. The cardholders can use this option to see their card details that include the transaction history between particular dates.
  • Phone banking- The bank offers 24/7 phone banking services to the card members for managing the accounts and making card payments.
  • Exchange Houses- The card bills of the cardholders can be settled at any exchange house that is located in the UAE.
  • USSD Message – The payments can also be made simply by dialing *161#. 

Free Lounge Access

 The cardholders can avail free access to various airport lounges across the MENA/GCC region.

Priceless Arabia

With Priceless Arabia, the cardholders can enjoy travel, sports, shopping, and dining benefits as  well  as other amazing experiences.

Balance Transfer

The cardholder can use the balance transfer facility with just a phone call and consolidate his or her outstanding dues. 

Cash on Call

The bank offers a cash facility equal to the available limit with this Cash on  Call service with just a  phone  call. It helps the cardholder in saving on extra costs. With this facility, ADIB Credit Card offers flexible repayments along with the variable options for tenure. 

Purchase Protection

The purchase made by the member of the ADIB card is protected against loss, theft or damage. 

Extended Warranty

The cardholder is offered with the facility which extends the original warranty offered by the retailer or manufacturer. 

Rewards and Offers Available on ADIB Value+ Card

The cardholders can earn 1 reward point for every 1 AED spent on the card locally and 2 reward points for every 1 AED spent internationally.

Table for Points Redemption 

ADIB Reward Points Value in AED

For 10,000 points


For 100,000 points


Documents Required and Fee & Charges Applicable on ADIB Value+ Credit Card

Here is a list of the documents required in order to apply for this ADIB Credit Card. 

  • Copy and original Emirates ID
  • Copy and original passport
  • Previous 3 months’ bank account statement
  • Salary certificate from the present employer (should not be more than a month old) 

Fee & Charges on ADIB Value+ Card

Fees Amount

Annual Membership Fees

Free for Life

Annual Membership Fees on fifth Supplementary Cards

AED 250

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

Monthly Payment

5 % (100 minimum)

Grace Period (Monthly Payment)

Maximum 55 days

A 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

(Updated as of February 2020) 

FAQs on on ADIB Value+ Card

Q1: At which airports can I avail the benefit of complimentary airport lounge? 

Ans: You can avail the benefit of a free airport lounge at the airports in the MENA or GCC region. 

Q2: Am I allowed to take more than four supplementary cards? 

Ans: Yes,  you can take more than four supplementary cards; however, you will have to pay a  yearly charge   of AED 250 from the fifth card onwards.

Q3: Am I allowed to use my credit card internationally?

Ans: Yes,  you have the option of using your credit card globally with those restrictions as the ones imposed  in your home country. You will have to  bear foreign transaction charges every time you make use of  this  credit card in some other country.

Q4: How to redeem my points for booking flight tickets? 

Ans: You can redeem your points for flight tickets by making a call on the number 600543216. 

Q5: Do international and local transactions offer you the same rewards? 

Ans: No, both international and local transactions made using this card offer different rewards. You can earn one reward point for AED 1 spent locally and two reward points on each AED 1 spent internationally. 

Reviews & Ratings

4.6/5 (based on 17,561+google icon reviews)

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