Financial Features:

Annual Fees: AED 0

Minimum Salary Requirement: 

• For salary transfer customer: AED 5,000
• For non- salary transfer customer: AED 8,000

 

Retail Interest Rate:  From 3.09% will be charged on the outstanding amount on monthly basis up to 55 days interest free period

Foreign Currency Transactions Rate:  3.1% per transaction; Applicable on oversees transactions only

Balance Transfer Fees: A Balance transfer fee of 3% or AED 300 will apply; No profit for the first 12 months

Repayment Period: Up to 25 days Grace Period

Purchase Protection: Yes, credit shield and extended warranty also available

 

Travel Benefits:

Airport Lounge Access: No

Travel Medical Insurance: Multi-trip travel cover that includes medical, personal and travel inconvenience covers

Air Miles: No

Other Travel Benefits: ADIB Reward Points can be redeemed for airline tickets.

 

Leisure and Entertainment benefits:

Movie Tickets: No

Dining Privileges: Enjoy up to 25% discount on dining across the UAE

Golf Benefits: No

Other Benefits:

• Earn 1 reward point for 1 AED on domestic spend & 2 reward points for every 1 AED on international spend
• Redeem reward points for flight tickets or shopping mall vouchers
• Redeem 10,000 points for AED 50 and 100,000 points for AED 1000