ADIB Visa InfiniteThe ADIB Edge Card brings you a world of infinite possibilities.

  • 10% cash back on all dining spend in the UAE
  • 2.5 rewards 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
  • Free Roadside Assistance 24/7 across the UAE
  • Valet parking at select locations in the UAE
  • Multi-trip travel cover that includes: medical, personal and travel inconvenience covers
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure​​​​​​​​
  • Withdraw 100% of your finance limit as cash

Dear Customer your ADIB Travel Desk service have been discontinued. Please visit our offer and promotions page to explore attractive offers as an ADIB covered card holder

your benefits include:

ADIB Rewards Program
Get more with your ADIB Rewards program. Points earned can be used towards airline tickets and shopping mall vouchers. Earn 2.5 reward points for every AED 1 spent on your card and 0.25 reward points for every AED 1 spent at specific merchants*.

* Specific Merchants are: Supermarkets, Government Services (e.g. Fines, Taxes), Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport (e.g. Taxis, Metro, Buses), Road Tolls/Salik, Charities/Religious Organizations.

The best and the most flexible rewards program in the market gives you the freedom to redeem your ADIB Rewards Points against flight tickets on Any Airline, Any Destination, Anytime.

Shopping mall vouchers

Redeem your ADIB Rewards Points for shopping mall vouchers from the list of malls below in Abu Dhabi, Dubai and Sharjah:

  • Sharjah Mega Mall
  • Abu Dhabi Mall
  • Sahara Centre


Points redemption table:

How to redeem your Reward Points:

Airline flights Shopping mall vouchers
Purchase your ticket using your ADIB Edge Card
Call us on 600 543216  to redeem your Points against your air ticket purchase. The refund amount will be credited in your next statement.​​
 Call us on 600 543216 to redeem your points for shopping mall vouchers.

ADIB Dining offers
Whether it is for a cup of coffee or for some fine dining, get 10% cashback in the UAE when you pay using your ADIB Edge Card.
(Maximum cashback of AED 100 per transaction and AED 300 per month at ADIB approved dining establishments)

Golf Privilege
Enjoy complimentary round of golf (subject to availibility) once a month at the Arabian Ranches Golf Club, Dubai. Simply call 600 543216 to book your session.

Roadside assistance
  • ​Free emergency roadside assistance across the UAE available 24/7, entitles you to:
  • Free Unlimited City limit towing services
  • Inter Emirate towing services (3 times in a year)
  • Free jump start service
  • Free flat tyre service
  • Free lock out service
  • Free fuel delivery service
  • Free Vehicle Registration Service once a year
  • Free Rent a car for 24 hours (NORMAL CAR) in conjunction with an accident
  • To avail roadside assistance service please call 800-4662

Valet Parking
Show your ADIB Edge Card at select locations in the UAE and get the stress of finding a parking off your hands!
(Click here for a list of locations) (Valet parking not available at the Dubai Airport. The valet parking benefit is applicable on standard parking only and not on VIP at any Valtrans locations. Any additional visit will be charged to your ADIB Edge Card.)


All Visa Offers
Luxury Hotels Collection
Get the following benefits in over 800 hotels around the world:
  • ​Guaranteed best available rate
  • Automatic room upgrade upon arrival, when available
  • Free in-room internet or valet parking
  • Complimentary continental breakfast
  • 3PM check out, when available
  • VIP guest status
  • $25 dining voucher

You and a travelling companion can get access to over 1,000 airport lounges across the globe at no cost to you by presenting your ADIB Edge Card.
For more information on LoungeKey benefits please visit

Multi-trip travel cover
Travelling might be your priority while protecting you is ours! That’s why your ADIB Edge Card covers you, your spouse and up to 5 children (age limit of 75 per individual), while travelling with the following:
  • Medical cover
    • Emergency Medical expenses up to US $1,000,000
    • Evacuation and Repatriation expenses up to US $500,000
    • Hospital Daily Indemnity up to US $3,000
  • Personal cover
    • Personal Accident up to US $1,000,000
    • Personal Liability up to US $500,000
  • Travel inconvenience cover
    • Trip Cancellation or Curtailment or Abandonment up to US $5,000
    • Delayed departure up to US $900
    • Baggage delay up to US $500
    • Loss of personal belongings up to US $2,500


Card Protection

Purchase Protection & Extended Warranty
Customers are eligible for a refund up to USD 7,500 per item if purchases are accidentally broken, stolen, or damaged, within 365 days from date of purchase. Manufacturer or retailer’s warranty will be automatically extended on a range of goods for a combined total of 24 months.

Other Benefits

Credit Shield takaful Protection
Optional Takaful cover provided to protect in the event of involuntary unemployment, death, permanent disability, critical illness and accidental medical expenses.

Banking services convenience (only applicable to ADIB Account holders)

For your convenience there are numerous ways to make your ADIB Covered Card Payment.
Click here for a list of all the Covered Card payment options ​​​

Utility Bill Payments
The following utility bills can be paid via Online Banking ( or Phone Banking (04-4286000):
  • Etisalat bills (Landline, GSM, Wasel Recharge and renewal, e-vision and internet)
  • Water and Electricity bills (DEWA, SEWA, ADWEA)

Managing your account

  • ​ADIB Online Banking – visit to view and transact on your ADIB Edge Card.
  • 24×7 Phone banking: Call us at any time on 04-4286000 for a quick and secure way of accessing your account.
  • Monthly statements: Receive monthly statements via post
  • e-statements: Be environmentally friendly and receive your statements via email.
  • SMS alerts: receive card information and transaction alerts​​
Other Card services

Cash On Call*
We understand that sometimes you need a cash boost quickly, so with Cash on Call you get access to cash up to your available limit in one easy phone call. Cash on Call helps you save on extra charges and also gives flexibility for repayments with variable tenure options.

Balance Transfer*
Use Balance Transfer facility on your ADIB card with a simple phone call. 
  • Additional Visa Terms and Conditions may apply to the extent they do not conflict with the Terms and Conditions of ADIB Covered Card. 
  • ADIB Covered Card Terms and Conditions apply that prohibit using ADIB Card for any non-Shari’a compliant products/services as determined by the Fatwa and Shari’a Supervisory Board of the ADIB including but not limited to, alcohol, pork products, gambling, tobacco, casinos, bars, nightclubs, merchants selling and/or providing pornography related products and/or services. For more details please call 600 543216 or visit​
  • All features and benefits available on your ADIB Edge Card are subject to change at the sole and absolute discretion of ADIB. Kindly refer to for the latest updates, and to view the details of the various terms & conditions related to the various features and benefits.​
  • *Terms and conditions apply.​​​​​​​​​​

Click here for the Cards Terms and Conditions


Fees and Charges

Click here for an updated Schedule of Charges​

Covered Card Annual Fee 750 (11)
5th Supplementary Card Annual Fee (3) 250 (14)
Monthly Profit Rate (W/ Salary Transfer) 2.99% (12)
Monthly Profit Rate (W/O Salary Transfer) 2.99% (12)
Cash Withdrawal Limit 100%
ATM Cash Withdrawal Fee (4) 3% minimum 99
Card Replacement Fee (5) 75 (13)
Transfer of Excess Funds over the Cash Cover from Card to Account 100*
Minimum Monthly Payment 5% minimum 100
Grace Period For Monthly Payment Up to 55 days
Donation Commitment to Charity in case of Late Payment Event (6)100
Temporary Increase Limit Fee 50
Non-AED Transaction Service Fee (7) 3.1%
AED International Transaction Service Fee (8) 1.8%
Copy of Sales Receipt Fee 25
Copy of Travel Fares / Hotel Receipt Fee 25
Liability / No Liability Letter 50
Copy of Additional Statement Fee 45
Returned Cheque Fee 100
Monthly Takaful Protection Contribution Amount (Optional) (9) 0.77 fils per 100 of the utilized cover amount

*Transfer of Excess Funds over the Cash Cover from Card to Account with fee of AED 100 is only applicable on exception when processed through ADIB Branch or ADIB Call Centre. Standard cash withdrawal fee is applicable on Card to Account Transfer performed through ADIB ATM/Online/Digital Channels.

All of the above currencies are in AED unless mentioned otherwise



(3) Entitled to four Free Supplementary Cards until further notice. Annual fees will be applied on the 5th supplementary card and onwards.

(4) Includes cash withdrawal at ATMs, Exchange Houses or similar, transfer of the original cover of the Card to any ADIB Account. This will also include all Transactions at merchants classified as "Security Brokers/Dealers" (under Visa Merchant Category Code 6211) including but not limited to National Bonds Corporation Transactions. Additionally, such Transactions will not qualify for Etihad Miles, Cashback or any other reward scheme.

(5) For damaged Cards, no fee shall be applicable if the Cardholder delivers the damaged Card to the branch.

(6) If agreed upon with the customer and stipulated in the relevant document

(7) Added to the Non-AED transactions' wholesale foreign exchange market spot rate that is selected and applied by Visa on the date of conversion.

(8) For transactions that take place outside the UAE where the Cardholder pays the merchant in AED.

(9) The Monthly Contribution includes the Monthly Takaful Contribution and the fee of the arrangement, distribution and other services related to the Takaful scheme. For Takaful products, all contribution amounts are inclusive of VAT if applicable. For all Cards including Supplementary Cards, Monthly Contribution amount shall be linked to the Principal Card.

(11) No annual fee for Diamond customers in relation to the Principal Card of this card type.                 

(12) 2.75% for Diamond customers of this card type.                                                                            

(13) Free for Diamond customers of this card type.                                                                                      

(14) AED750 for Diamond customers of this card type.

With effect from 1st January 2018, a standard rate of 5% Value Added Tax ( VAT ) applies on the above fees as per the UAE VAT Law (Federal Decree-Law No (8) of 2017 on Value Added Tax) and shall be added on the top of the above fees that are subject to VAT and shall be payable on the same due date of such fees


  • ​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)​​