ADIB Platinum CardThe ADIB Value Card opens a world of benefits for you where you get rewarded for your local and international spend..

  • Get rewarded for your local and international spend
  • Redeem points earned for free flights and shopping vouchers
  • Enjoy upto 25% discount on select dining outlets across the UAE.​
  • 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

Our flexible reward program enables you to redeem your reward points against flight tickets on any airline, to any destination, at any time.
You can also redeem your reward points for mall vouchers at any of the following locations:


  • Sahara Centre – Sharjah
  • Sharjah Mega Mall
  • Abu Dhabi Mall
Points redemption table:

How to redeem your points:

Airline flights Shopping mall vouchers
Purchase your ticket using your ADIB Value 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
Enjoy up to 25% discount on dining across the UAE with your ADIB Value Card. For a full list of participating restaurants please click here.​
*Terms and conditions of ADIB Covered Card apply.

Card Protection:

Purchase Protection & Extended Warranty
Customers are eligible for a refund up to USD 5,000 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.

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 (This service is 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/Du bills (Landline, Mobile, TV, and Internet)
  • Water and Electricity bills (DEWA, SEWA, ADWEA)

Managing your account

  • ​ADIB Online Banking – visit to view and transact on your ADIB Value 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.

*Terms and conditions apply.​​​​​​​​​​​​​​

Fees and Charges:

Click here for an updated Schedule of Charges​


Covered Card Annual Fee Free (10)
5th Supplementary Card Annual Fee (3) 250
Monthly Profit Rate (W/ Salary Transfer) 2.99%
Monthly Profit Rate (W/O Salary Transfer) 3.09%
Cash Withdrawal Limit 100%
ATM Cash Withdrawal Fee (4) 3% minimum 99
Card Replacement Fee (5) 75
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.

(10) Free for life

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)