ADIB Credit Cards

Minimum Salary
8.000,00 د.إ

Flat Rate
2.99%

Description

Abu Dhabi Islamic Bank (ADIB) offers a wide range of Sharia-compliant credit cards—covering cashback, rewards points, co-branded travel and lifestyle cards—each with distinct profit rates, fee schedules, eligibility criteria, required documentation, benefits, and minimum spend thresholds. Selecting the right card depends on your primary spend categories and rewards preferences.

Features

Summary Comparison Table

Card Name	Min. Income (AED)	Annual Fee (AED)	Murabaha Rate (W/ Salary Transfer)	Min. Spend for Fee Waiver / Bonus	Key Benefits
Cashback Visa Card	8,000	500	2.99%	N/A	4% cashback on groceries & utilities; 1% on all other spends
Cashback Visa Platinum Card	15,000	1,000	2.99%	N/A	5% cashback on groceries & utilities; 2% on dining; 1% on others
Exceed Visa Card	15,000	99	3.49%	N/A	2.5 Reward Points/AED 1 on all spends; welcome bonus
Snmiles Classic Card	8,000	Free	3.29%	Quarterly spend AED 25,000 for 10,000 points	20,000 points on signup; buy-1-get-1 cinema vouchers; flight & hotel redemptions
Snmiles Gold Card	8,000	199	2.99%	N/A	50,000 points on signup; unlimited lounge access via Veloce; travel & lifestyle partner discounts
Etihad Guest Classic Card	8,000	200	2.99%	AED 25,000 quarterly for 10,000 bonus miles	20,000 miles on signup; four lounge visits; travel insurance
Etihad Guest Gold Card	8,000	350	2.99%	N/A	50,000 miles on signup; six lounge visits; tier fast-track to Silver/Gold
Etihad Guest Visa Platinum Card	8,000	700	2.99%	N/A	100,000 miles on signup; unlimited lounge access; premium travel insurance
Football Card	8,000	250	3.09%	N/A	3% cashback on sports & fitness; free club membership benefits
Spice Card	12,000	199	3.09%	Spend AED 3,000/month for bonus rewards	1% cashback on all spends; limited-edition sport & lifestyle deals
Edge Card	15,000	750	2.99%	N/A	2 TouchPoints/AED 1 on dining; 1 Point/AED 1 on other; point bonus on annual spend
Value+ Card	8,000	Free	3.09%	N/A	1% cashback on all spends; no annual fee
Value Card	8,000	Free	3.09%	N/A	0.5% cashback on all spends; no annual fee
Dana MasterCard	8,000	299	3.09%	N/A	2% cashback at participating malls; 1% on others
Rotana Rewards Exclusive Visa Card	8,000	250	3.09%	N/A	Rotana room upgrades; dining & spa credits; elite tier fast-track
Booking.com Signature Card	12,000	299	3.29%	N/A	10% discount on Booking.com; elite status in Loyalty Club; free Wi-Fi & late checkout
Booking.com Infinite Card	20,000	2,000	3.33%	N/A	15% discount on Booking.com; VIP customer service; travel concierge
Emirates Skywards World/Signature Card	20,000	1,500	2.99%	N/A	35,000 miles on signup; Silver tier fast-track; lounge access; companion tickets
Emirates Skywards World Elite/Infinite	25,000	4,500	3.33%	N/A	50,000 miles on signup; Gold tier fast-track; unlimited lounge visits; premium concierge services

Profit Rates & Charges

Retail Purchases:99%–3.75% per month (varies by card and salary transfer status).
Cash Advances: 3% of amount or AED 99 (whichever is higher).
Balance Transfers & Instalments: Profit-free installments available per promotional offers; otherwise Murabaha rates apply.
Grace Period: Up to 55 days interest-free when full balance is paid by due date.
Minimum Monthly Payment: 5% of statement balance or AED 100 (whichever is higher); Spice Card—2.85% or AED 100 for first year.

Detailed Schedule of Fees

Fee Type	Amount
Annual Fee (Principal Card)	Varies by card (see table)
Supplementary Card Annual Fee (5th+)	Same as principal for 5th and subsequent
ATM Cash Withdrawal	3% min AED 99
Card Replacement	AED 75
Excess Funds Transfer to Account	AED 100
Overlimit / Returned Cheque Fee	AED 100
Late Payment Charity Donation	AED 100
Temporary Limit Increase	AED 50
AED Non-AED Transaction Service Fee	2.3%
AED International Transaction Service Fee	1.99%
Copy of Sales Voucher	AED 25
Copy of Travel or Hotel Receipt	AED 25
Additional Statement Copy	AED 45
Liability / No Liability Certificate	AED 50
Credit Bureau Fee	AED 30
Optional Takaful Contribution	AED 0.77 per AED 100 utilized balance

All fees exclusive of VAT; 5% VAT applies where not explicitly inclusive.

Eligibility Criteria

Age: 21–65 years.
Residency: Valid UAE residence visa and Emirates ID.
Income: Minimum monthly salary AED 8,000–25,000 (card-dependent).
Employment: Salaried with reputable employer or self-employed with verifiable income.
Credit History: Clean repayment record and no past defaults.

Documents Required

Passport copy with residency visa page.
Emirates ID (front and back).
Salary certificate or employment contract.
Last 3 months’ bank statements.
Salary transfer mandate (for payroll cards) or audited financials (self-employed).

Additional Info

Cashback Cards:
- Cashback Visa: 4% on groceries & utilities; 1% on others; no minimum spend.
- Platinum Cashback: 5% on groceries & utilities; 2% on dining; 1% on other; no spend threshold.
Points & Rewards Cards:
- Exceed & Edge: Earn 1–2.5 points/AED 1; bonus points on first spend or annual spend milestone (Edge: AED 50,000 for 5,000 points).
Co-Branded Travel Cards:
- Etihad Guest: 20,000–100,000 bonus miles on signup; quarterly spend milestones for bonus miles; free lounge visits; tier fast-track; complimentary travel insurance.
- Emirates Skywards: 35,000–50,000 miles on activation; tier fast-track; lounge access; companion ticket discounts.
Lifestyle & Retail Cards:
- Smiles Cards: 20,000–50,000 Smiles points on signup; quarterly spend AED 25,000 for 10,000 bonus points; buy-1-get-1 offers; redeemable on flights, hotels, cinema vouchers.
- Spice & Dana: 1–2% cashback on all spends; minimum AED 3,000 monthly for Spice quarterly bonus; exclusive sport & mall discounts.
- com Cards: 10–15% discount on Booking.com rates; loyalty tier status; free Wi-Fi & late checkout; no minimum spend.