ADIB Emirates Skywards World Elite CardWelcome to ADIB Emirates Skywards World Elite Card. Enjoy the best of all worlds. Sign up and experience exclusive travel and lifestyle benefits.

Your new card offers the following :

  • Get welcome bonus of 50,000 Skywards Miles on first spend.
  • 70,000 bonus Skywards Miles (subject to meeting spend criteria).
  • Emirates Skywards Silver tier membership for the primary cardholder.
  • Fast Track to Emirates Skywards Gold tier membership.
  • Unlimited Airport lounge access for primary card holder and guest.
  • Four complimentary Emirates Home check-in services within Dubai
  • Complimentary airport transfers
  • Exciting travel and lifestyle benefits



Overivew:

Up to 120,000 bonus Skywards Miles

  • 50,000 welcome bonus Miles
  • 70,000 bonus Skywards Miles (subject to meeting the required spend thresholds)*

* minimum retail spend of AED 140,000 within 6 months from the card issuance date.

Fast track to Emirates Skywards Gold tier membership Complimentary Emirates Skywards Silver membership for the primary cardholder. Primary cardholders can fast-track to Gold tier status upon spending AED 5,500 with Emirates.

Supplementary cardholder can also enjoy the Emirates Skywards Gold membership on an additional minimum spend of AED 5,500 on Emirates and achieving a total spend threshold of AED 200,000 (including Emirates spend).

Earn Skywards Miles for every USD equivalent spend:

  • Emirates and flydubai spends: 3 Miles
  • Foreign currency spends: 2 Miles
  • Local currency spends: 1.5 Miles
  • Specific category spends: 0.25 Miles

Complimentary Home check-in service

Now check-in for your Emirates flights from the comfort of your home, hotel or office anywhere in Dubai.

Passengers travelling from Dubai can enjoy complimentary Emirates Home check-in service four times a year.

This complimentary benefit allows you to check-in up to 7 pieces of luggage. AED 25 will be charged for every excess bag directly to the Cardholder.

For bookings call 800200 48 hours prior to the scheduled departure

Additional terms and conditions apply. For more details please visit www.emirates.com

Airport transfers in the UAE

Take away the hassle of calling a cab or organising a ride to the airport, with your ADIB Emirates Skywards World Elite Card. Enjoy four complimentary airport transfers per year from anywhere in the UAE.

The value of rides are capped at AED 150 in Dubai and Sharjah and AED 350 in Abu Dhabi, Al Ain and other Emirates in the UAE.

Additional charges over and above the free entitlement will be charged to the Cardholder's Card Account and reflected in the Cardholder's monthly statement.

For bookings call 800200

Global Lounge Access

Enjoy unlimited complimentary Lounge Access for the cardholder and one guest companion to over 900 airport lounges across the globe.

For more information please visit https://www.loungekey.com

Valet Parking

Flash your Card at the Valet to avoid the stress of parking.

With your card you can park for free (four times a month) through Valtrans at key locations in the UAE. Please visit Valet Parking for updated list of locations.

The valet parking benefit is applicable on standard parking only and not on VIP at any Valtrans locations. Any Cardholder who valet parks his/her vehicle in VIP Valet Parking will be charged the prevailing rate as set by Valtrans. This will be charged to the Cardholder’s Card Account and reflected in the Cardholder’s monthly statement. Your Card will be charged in case of additional visits.

Free Golf

Complimentary golf for Cardholder and a guest.

PartnerFor Booking
The ELS Golf Club, Dubai
Arabian Ranches Golf Club, Dubai
The Abu Dhabi Golf Club, Abu Dhabi
800 200

ADIB Smartdeals

Download ADIB Smartdeals app and enjoy over 2,000 exciting offers

      

Concierge Services*

The 24-hour concierge provides you with a personal travel assistant. The concierge will take care of all practical considerations, so you can make the most out of every moment.

  • Luxury travel planning and access to the best and exclusive events
  • Reserving the chef’s table for a special event
  • Scheduling personalized shopping experiences at luxury retail brands

For more details please visit mastercard.ae

Travel Inconvenience Cover*

Whether your luggage goes amiss or flight delays interrupt your plans, you are covered for:

  • Baggage loss or damage up to USD 3,000
  • Baggage delay USD 500
  • Trip delay / Missed departure USD 500
  • Trip curtailment / cancellation up to USD 7,500

Travel Medical Cover*

For the greatest peace of mind while you're traveling, your health and safety needs are met promptly and efficiently. As a ADIB Emirates Skywards World Elite Cardholder, you get coverage for yourself as well as your family and helper**:

  • Travel accident cover up to USD 500,000
  • Emergency medical evacuation and repatriation up to USD 500,000
  • Medical expenses (accident or sickness) up to USD 500,00
  • Daily in-hospital cash benefit USD 100 per day

**Coverage details:
Spouse – 100%; Children – 25%; Domestic Helper – 25%

Card Services**

  • Balance Transfer

    Use Balance Transfer facility on your Card by calling 600 543216

  • Cash on Call

    Transfer cash from your Card to a selected bank account by calling 600 543216

  • Easy Installment Plan***

    With your ADIB Covered Card, you can now shop at selected merchants and payback in easy installment payments of 3/6/9/12 months with 100% waiver of Murabaha Monthly Profit and no processing fees by calling 600 543216.

ADIB Covered Card Takaful Protection

Optional Takaful cover provided to protect in the event of death, permanent total disability, critical illness and involuntary loss of employment.

FULL SUITE OF BANKING SERVICES

Ways To Pay

Covered Card payments can be made at:

  • ADIB branches, visit adib.ae for locations
  • ADIB Cash & Cheque Deposit Machines (CCDM)
  • 24x7 Phone Banking*
  • ADIB Online Services (adib.ae)*
  • Arablink centres
  • Al Fardan Exchange centres
  • UAE Exchange Centres
  • Al Ansari Exchange Centres

Bill Payments

The following bills can be paid via Online Banking (adib.ae) or Phone Banking (600 543216):

  • Etisalat and Du bills (Landline, GSM, Wasel Recharge and renewal, e-vision and internet)
  • Water and Electricity bills (DEWA, SEWA, ADWEA) and Salik

*Additional Terms & Conditions may be applied by Visa to the extent they will not contradict with the Terms & Conditions of ADIB Covered Card.
** T&Cs apply on Balance Transfer, Cash on Call and Easy Installment Plan.
***For more details on Easy Installment Plan with selected merchant please visit the "offers & promotions" page on adib.ae

Banking with ADIB

  • ADIB Online Banking – visit simple.adib.ae to view your Card statement and transact on your Card.
  • 24x7 Phone Banking: Call us at any time on 600 543216 for a quick and secure way of accessing your account.
  • E-statements: Be eco-friendly and receive your statements via email.
  • SMS alerts: Receive Card information and transaction alerts.

ADIB Mobile Banking App

You can manage your card on the go by downloading the ADIB Mobile Banking App from iTunes App Store, Google Play Store or adib.ae.

*This service is only available to customers who have an ADIB Account other than ADIB Covered Card Account.

  • ADIB Covered Card Terms and Conditions and Schedule of Charges apply in conjunction with other specific Terms and Conditions of offers. Also note that all offers are subject to change. Please refer to our website adib.ae to view the Terms and Conditions and our latest offers.
  • 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.
  • * Additional Terms and Conditions may be applied by Mastercard to the extent they will not contradict with the Terms & Conditions of ADIB Covered Card.

 

Emirates Skywards programme rules apply

Terms and Conditions

Click here for an updated Schedule of Charges​

Covered Card Annual Fee 4500
5th Supplementary Card Annual Fee(3) 4500
Monthly Profit Rate (W/ Salary Transfer) 3.33%
Monthly Profit Rate (W/O Salary Transfer) 3.33%%
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
Copy of Additional Statement Fee 45
Liability / No Liability Letter 50
Returned Cheque Fee 100
Monthly Contribution Amount (Optional)(9)0.9345 fils per 100 utilized cover amount

Notes:

(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

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)​