ADIB Etisalat Visa Platinium Card

Sign up for an ADIB Smiles Covered Card and earn Smiles Points to redeem for shopping, travel and dining

Your ADIB Smiles Classic Card offers the following:

  • 5,000 Smiles points upon sign up!*
  • 10,000 Smiles points as quarterly bonus subject to meeting the spend criteria of AED 25K each quarter.
  • 12 Smiles points on per AED 5 spent on Smiles App
  • 6 Smiles points per AED 5 spent internationally
  • 4 Smiles points per AED 5 spent locally in the UAE
  • 1 Smiles point per AED 5 spent on Specific Merchants**

*Sign up smiles points for self-funded ADIB Smiles covered cards is 2,500
**Specific merchants in the following categories will receive 1 Smiles point for AED and non – AED transactions: 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.

Your ADIB Smiles Card enables you to:

Enjoy buy 1 get 1 free and other discount deals on the Smiles app

You can conveniently redeem your Smiles points for the payment of your below Etisalat services through:


Redeem your Smiles points to book flights with over 1,000 airlines and hotel stays at any of the 50,000+ hotels worldwide

What's More,

You can conveniently redeem your Etisalat Reward Points for the payment of your below Etisalat services through Etisalat Rewards website​.​Mobile Bills

  • eLife Service
  • Air Tickets
  • Hotels
  • Holidays
  • Car Hires
  • Retail stores
  • Restaurants
  • Online Rewards Shop​​​​​​​​​​
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 ​​​

Click here for the Cards Terms and Conditions

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.

** 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 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.


Ways To Pay

Covered Card payments can be made at:

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

Banking with ADIB

  • ADIB Online Banking – visit 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

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

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 ​​​

Click here for the Cards Terms and Conditions

Terms and Conditions

  • *Smiles points are awarded at ADIB’s discretion and derived specifically from the Shareholders’ funds.
  • *ADIB Covered Card Terms and Conditions apply that prohibit using ADIB Card for any non-Shari’a compliant products/services as determined by the ADIB’s Internal Shari’a Supervisory Committee including but not limited to, alcohol, pork products, gambling, tobacco, casinos, bars, nightclubs merchants selling and/or providing pornography related products and/or services.

Click here for the Cards Terms and Conditions

Required Documents

  • Minimum salary - AED 5,000
  • ​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)​

Fees and Charges

Click here for an updated Schedule of Charges​

Covered Card Annual Fee Free(10)
5th Supplementary Card Annual Fee(3) N/A
Monthly Profit Rate (W/ Salary Transfer) 3.29%16
Monthly Profit Rate (W/O Salary Transfer) 3.29%17
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 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 Contribu tion amount shall be linked to the Principal Card.

(10) Free for life

(16) For existing ADIB Etisalat classic, Gold, Platinum and Signature covered cardholders (W/salary transfer) the monthly profit rate will remain 2.99%

(17) For existing ADIB Etisalat Classic, Gold, Platinum and Signature covered cardholders (W/O salary transfer) the monthly profit rate will remain 3.09%

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