TOOLS & CALCULATORS HELP ME CHOOSE A CARD

Key Benefits

Finance amounts up to AED 3 Million for UAE nationals and AED 1 Million for expatriates

Competitive profit rate

Flexible repayment terms up to 48 months

2 instalment postponements without fee​

Pre-approval in 30 minutes​

Up to 120 days grace period​



Finance Amount

Up to AED 3 Million for UAE nationals and AED 1 Million for expatriates


Competitive Profit Rates


Flexible repayment terms

Up to 48 months


First instalment payment

Up to 90-days instalment holiday for the first payment


Two installment postponements

Up to 2 instalment postponements in a year


Optional comprehensive personal finance Takaful coverage

Enjoy pace of mind with personal finance takaful coverage for the outstanding balance up to 2.5 million

Learn more

Documents you'll need

  • Original and copy of valid passport (with valid residence visa for expatriates)
  • Original and copy of valid Emirates ID
  • Fresh salary transfer letter / Salary certificate addressed to ADIB
  • Three months bank statement (if salary not credited to ADIB)

Important Information

  • Salary transfer is required
  • Employees of approved list of employers in ADIB
  • Minimum salary is AED 8,000
  • Minimum age at time of application should be 21 years
  • Maximum age at time of completion of finance tenor should be:
    • For UAE Nationals 65 years
    • For expatriates 60 years

Banking Services and Tariff Board​
Personal Finance Terms and Conditions
Key Facts Statement​​​