/en/PublishingImages/Personal/Cards/cards-page/Page_SpiceCard.pngADIB Spice Card

  • ​Spend a minimum of AED 5,000 in a month (locally & internationally) and enjoy:**
    • 1% cashback on all utility payments
    • 4% cashback on fuel​
    • 7% cashback on all supermarket & grocery spends
    • 9% cashback on all restaurant spends
  • Up to 2 reward points on all other spends
  • Up to 25% discount at select restaurants
  • All Priceless Arabia offer
  • Withdraw 100% of your finance limit as cash
  • ADIB Easy Pay Plan option​​

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 https://www.adib.ae/en/Pages/Personal_Offers_And_Promotions.aspx


Access to the “Spiciest” Offers 
As a Spice card holder you are entitled to Spice up your life with great discounts at the following restaurants. In addition you also enjoy 9% Cashback on the restaurants.

Get exclusive discounts on dining at various restaurants across UAE

Click here for a complete list of participating restaurants.​


​Convert your purchase at any of the 3 jewellers mentioned below into an Easy Payment plan of 3 or 6 months @ 0% Murabaha (profit).

A minimum spend of AED 1000 is required. Offer is not valid for gold coins or gold bars

  • Joyalukkas
  • Al Liali Jewellery
  • Pure Gold
ADIB Rewards Program
Get more with your ADIB Rewards program. Points earned can be used towards airline tickets and shopping mall vouchers. Earn 1 reward point for 1 AED you spend on your card domestically, and earn 2 reward points on every 1 AED spent internationally.
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
  • Dubai Festival City,
  • Abu Dhabi Mall,
  • Sahara Centre
Points redemption table:
​ADIB​ Rewards PointsAED Value​
​For every 10,000 points​50
​For every 100,000 points​1,000

How to redeem your Reward Points:​
​Airline F​lights​Shopping Mall Vouchers
Purchase your ticket using your ADIB card
Call our Phone Banking 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 reward points against shopping mall vouchers.

Priceless Arabia offers
A unique collection of experiences especially created for MasterCard holders. From dining, shopping and sports to exciting attractions and travel. For details visit pricelessarabia.com
Complimentary Lounge Access
Relax when you fly with unlimited access to the following Airport Lounges across the GCC 
Present your ADIB Spice Card and enjoy privileged access to the following airport lounges:
Location Lounge
Egypt (Cairo) x2Cairo International Airport, VIP Lounges at Terminal 1 and 3
Jordan (Amman)Queen Alia International Airport Amman, Petra Lounge
KuwaitKuwait International Airport, MasterCard Lounge
Saudi Arabia (Jeddah)Jeddah International Airport, First Class Lounge
UAE (Abu Dhabi)Abu Dhabi International Airport, VIP Terminal, MasterCard Diamond Lounge
UAE (Dubai) x3Dubai International Airport, Marhaba Lounges at Terminal 1,2,3
UAE (Dubai) Dubai World Central - Al Maktoum International Airport Terminal 4 Lounge
Click here for more details

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:
  • ** Minimum monthly spend of AED 5,000 ​(in the statement cycle) is required to avail cashback. Maximum cashback cap of:
    • AED 50 on utility payments
    • AED 200 on restaurant spends
    • AED 50 on fuel
    • AED 50 on grocery spends
  • ***The Balance Transfer and Cash on Call Terms and Conditions apply.

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 ​​​

Fees and Charges

Covered Card Annual Fee 199        
5th Supplementary Card Annual Fee (3) 199
Monthly Profit Rate (W/ Salary Transfer) 3.09%
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.
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)​