TOOLS & CALCULATORS HELP ME CHOOSE A CARD

Key Benefits

Ghina Prize Draw

Free ADIB Visa Debit Card

Free Cheque Book

Expected Monthly Profits


Transferring your salary is winning with ADIB Ghina!

Transfer your salary to ADIB and you can participate in the AED 3 million Ghina prize draw (and other prizes) by maintaining an average monthly balance of AED 20,000 with the ADIB Ghina Salary Account.


Free ADIB Visa Debit Card

Access your account and funds instantly at any ATM or retail outlet.


Free Cheque Book

Ghina Salary account (SPA) holder can also avail a Cheque book, (first Cheque book comes free while additional ones can be obtained by paying AED 25)


Expected Monthly profits

Calculated on a monthly basis and credited to your account every quarter.


ADIB Mobile Banking App

Bank anytime, anywhere with the ADIB Mobile Banking App You can manage your card on the go by downloading ADIB Mobile Banking App from iTunes App Store, Google Play Store, or the HUAWEI AppGallery.


Standing Instructions

Manage your time by automatically making payments for regular transactions (such as bill payments, transfers, donations or installments) on your chosen dates.

24 hour Banking Services

In addition to our mobile app, you will always have:

How is this Shari'a compliant?

This investment account is based on the Islamic principle of Mudaraba where you share profits and bear losses as stipulated in the Banking Service Agreement.

All prizes granted to the ADIB Ghina Winners shall be exclusively from ADIB’s shareholders funds at the sole discretion of ADIB.

Documents you'll need

  • Original Passport (for UAE Nationals & Residents)
  • Valid Emirates ID (for UAE Nationals & Residents)
  • A Salary certificate from employer with minimum salary of AED 8,000

Ghina Salary Account

Here’s how it works

More cards for you to explore

ADIB Edge Card

  • 10% cash back on all dining spend in the UAE
  • 2.5 reward points for every AED 1 spent and 0.25 reward points for every AED 1 spent at specific merchants*
  • Free rounds of golf at select golf courses​

ADIB Value+ Card

  • Get rewarded for your local and international spend
  • Enjoy upto 25% discount on select dining outlets across the UAE.​​

ADIB Value Card

  • Get rewarded for your local and international spend
  • Enjoy upto 25% discount on select dining outlets across the UAE.​​​

Still not sure which card is for you?