/en/SiteCollectionImages/Personal/Cards/ADIBEtisalatVisaSignature_pp.jpgUp to 100,000 sign up Etisalat Reward Points and much more! (Invitation Only)

  • 100,000 welcome Etisalat Smiles Points
  • For non-Self-funded Card earn 6 Etisalat Smiles points for every Dirham spent local and international transactions on the Card so every AED 100 spent is 20 minutes of UAE talk time.
  • For non-Self-funded Card earn 1 Etisalat Smiles points for every Dirham spent on Specific merchant* transactions on the Card so every AED 100 spent is 3 minutes of UAE talk time.
  • For Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent local and international transactions on the Card so every AED 100 spent is 10 minutes of UAE talk time.
  • For Self-funded Card earn 1 Etisalat Smiles points for every Dirham spent on Specific merchant* transactions on the Card so every AED 100 spent is 3 minutes of UAE talk time
  • Redeem Reward Points for:
    • Etisalat Data or Talk time
    • Etihad Guest Miles
    • Airline tickets
  • Free Valet Parking at select locations
  • Free premium airport lounge access.
  • Withdraw 100% of your finance limit as cash
  • Free roadside assistance


*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 Organisation.

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


You can conveniently redeem your Etisalat Smiles Points for the payment of your below Etisalat services through
Redeem your Etisalat Rewards to book flights with over 1,000 airlines and hotel stays at any of the 50,000+ hotels worldwide

Valet Parking
Show your ADIB Etisalat Visa Signature Card at the standard valet parking desk and get 4 complimentary visits every month at select malls in Abu Dhabi and Dubai.  ​​(Click here for a list of locations)​​​

Roadside Assistance
Drive with complete peace of mind as your ADIB Etisalat Visa Signature Card entitles you to FREE roadside assistance with benefits like: 
• Free Unlimited City Limit Towing Services
• Inter Emirate Towing limited to 3 times in a year
• Free Jump Start Services
• Free Flat Tyre Service
• Free Lock Out Service
• Free Fuel Delivery Service
• Free transportation Vehicle Registration Service
• Free Rent a car for 24 hours (normal car) in conjunction with an accident
To avail your complimentary roadside assistance service, simply call toll free 8004201.

Airport Lounge Access
Relax, unwind or simply kick back before your flight at any of the 850 premium airport lounges worldwide. ​ Click here for more details and list of lounges.​

ADIB has partnered with prestigious retailers to ensure you get the best from your shopping. We even SMs you from time to time so you don’t miss out on the best offers.

​ 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 ​​​
Terms and Conditions apply
All ADIB Covered  Card Terms and Conditions apply
** Balance Transfer terms and conditions apply

Covered Card Annual Fee 1,199        
5th Supplementary Card Annual Fee (3) 1,199
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) 0.9345 fils per 100 of the utilized cover amount

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


Required Documents


  • ​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)​