ADIB Smiles Visa Classic Card

Sign up for an ADIB Smiles Covered Card and earn Smiles Points to redeem for shopping, travel and dining 5,000 Smiles points upon sign up. 10,000 Smiles points as quarterly bonus subject to meeting the spend criteria of AED 25K each quarter.


Key Benefits

5,000 Smiles points upon sign up



Buy 1 get 1 free on smiles app

Enjoy Buy 1 Get 1 Free and other discount deals on the Smiles app

Smiles points

5,000 Smiles points upon sign up!*


Redeem your Smiles points to book flights with over 1,000 airlines and hotel stays at any of the 50,000+ hotels worldwide

Card Services**

Balance Transfer:
Use Balance Transfer facility on your Card by calling 600 543216
Cash on Call:
Transfer cash from your Card to a selected bank account by calling 600 543216
Easy Installment Plan
With your ADIB Covered Card, you can now shop at selected merchants and payback in easy installment payments of 3/6/9/12 months with 100% waiver of Murabaha Monthly Profit and no processing fees by calling 600 543216.
** T&Cs apply on Balance Transfer, Cash on Call and Easy Installment Plan

ADIB Covered Card Takaful Protection

Optional Takaful cover provided to protect in the event of death, permanent total disability, critical illness and involuntary loss of employment.

Banking with ADIB

ADIB Online Banking – visit to view your Card statement and transact on your Card.
24x7 Chat Banking: chat with us at any time on WhatsApp +971600543216 for a quick and secure way of accessing your account.
E-statements: Be eco-friendly and receive your statements via email.
SMS alerts: Receive Card information and transaction alerts.

Ways To Pay

For your convenience there are numerous ways to make your ADIB Covered Card Payment.

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.

  • *Smiles points are awarded at ADIB’s discretion and derived specifically from the Shareholders’ funds.
  • *ADIB Covered Card Terms and Conditions apply that prohibit using ADIB Card for any non-Shari’a compliant products/services as determined by the ADIB’s Internal Shari’a Supervisory Committee including but not limited to, alcohol, pork products, gambling, tobacco, casinos, bars, nightclubs merchants selling and/or providing pornography related products and/or services.

Click here for the Cards Terms and Conditions

Key Facts Statement

Required Documents

  • Minimum salary - AED 5,000
  • ​Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer​ (not more than 30 days old)​

Fees and Charges

  • Covered Card Annual Fee Free(10)
  • 5th Supplementary Card Annual Fee (3) N/A
  • Monthly Profit Rate (W/ Salary Transfer) 3.29% (16)
  • Monthly Profit Rate (W/O Salary Transfer) 3.29% (17)
Click here for an updated Schedule of Charges​

More cards for you to explore

ADIB Etihad Guest Visa Classic Card

  • Welcome bonus 10,000 Etihad Guest Miles
  • Pay your ADIB Etihad Guest Covered Card Annual Fees using Etihad Guest Miles
  • Receive 1 Etihad Guest Miles for every 4 AED spent​

ADIB Etihad Guest Visa Platinum Card

  • ​​Welcome bonus 50,000 Etihad Guest Miles​
  • Pay your ADIB Etihad Guest Covered Card Annual Fees using Etihad Guest Miles
  • Receive up to 3 Etihad Guest Miles for every AED 4 spent
  • Free Companion Ticket – not available on any other Card in the Middle East!

ADIB Etihad Guest Visa Gold Card

  • Welcome bonus 35,000 Etihad Guest Miles
  • Pay your ADIB Etihad Guest Covered Card Annual Fees using Etihad Guest Miles
  • Receive up to 2 Etihad Gue​​st Miles for every AED 4 spent
  • Free Companion Ticket for every AED 150,000 spent yearly​

Still not sure which card is for you?