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% 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 55 days

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

 

Travel Benefits:

Airport Lounge Access: Access to airport lounges across the GCC/MENA region

Travel Medical Insurance: No

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