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Introducing ADIB Exceed Rewards Loyalty Programme​

Get ready to unlock a world of rewards exclusively designed to exceed all your expectations.

The newly launched ADIB Exceed Rewards Loyalty Programme takes you on a rewarding journey when banking with ADIB.

You can earn Exceed Rewards when you get ADIB Rewards Eligible products or services.

Redeem the Exceed Rewards instantly for exciting rewards and turn your everyday banking experience into something truly extraordinary.

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Covered Cards​
Effective 1st​ July 2024

Customers can earn Exceed Reward points each time they spend using their Cards and redeem their points instantly using ADIB Mobile App to make utility payments, for retail or online shopping vouchers, flight purchases and much more. The below table shows the Exceed Rewards earned for every AED 100 (or equivalent) spend.​

ProductLocal SpendsInternational Spends1Specific Merchants2​European Economic Area (EEA)3 Spends
ADIB Exceed Visa Card0.501.000.1250.125
ADIB Exceed Visa Platinum Card0.501.500.1250.125
ADIB Booking.Com* Visa Signature Card0.501.000.1250.125
ADIB Booking.com Visa Infinite Card**0.501.000.1250.375
ADIB Value Card0.501.500.1250.250
ADIB Value+ Card0.501.000.1250.250
ADIB Edge*** Card0.501.500.1250.300
​ADIB Diamond***Visa Infinite0.501.000.1250.300​​
​ADIB Spice**** Card0.501.000.1250.250

*For ADIB Booking.com Visa Signature Card, 2.5 ADIB Exceed Rewards will be earned on every AED 100 spends made for Airline purchases (maximum cap per transaction is 50 Exceed Rewards and maximum cap in each statement cycle is 150 Exceed Rewards).
For Cards issued before 23/12/2023 earning for EEA is 0.250 for every AED 100 spends.
**For ADIB Booking.com Visa Infinite Card, 3.5 ADIB Exceed Rewards will be earned on every 100 spends made for Airline purchases (maximum cap per transaction is 50 Exceed Rewards and maximum cap in each statement cycle is 150 Exceed Rewards.
*** For ADIB Edge and Diamond Visa Infinite Card, 5 ADIB Exceed Rewards will be earned on every 100 spends made for local dining purchases (maximum cap per transaction is 50 Exceed Rewards per transaction and maximum cap in each statement cycle is 150 Exceed Rewards.
**** For ADIB Spice Card,

  • For dining spends earn rate will be 4.5 Exceed Rewards for every 100 (maximum cap in each statement cycle is 100 Exceed Rewards).
  • For supermarket / grocery spends earn rate will be 3.5 Exceed Rewards for every 100 (maximum cap in each statement cycle is 25 Exceed Rewards).
  • For Utility spends earn rate will be 0.5 Exceed Rewards for every 100 (maximum cap in each statement cycle is 25 Exceed Rewards).
  • For fuel spends earn rate will be 2 Exceed Rewards for every 100 (maximum cap in each statement cycle is 25 Exceed Rewards).​
  • For all above categories (dining/ utility/ fuel/ supermarket/ grocery) spends made in EEA regions will earn only 0.25 Exceed Points for every AED 100.
  • Minimum overall retail spends of AED 5,000 is required in the same statement cycle to be eligible for Exceed Rewards on all the above mentioned categories (dining/ utility/ fuel/ supermarket/ grocery)

(1) International Spends mean purchases made in any foreign currency (non-AED) excluding spends in EEA.
(2) Specific Merchants means any shop or any outlet or any market registered with VISA under categories like Supermarkets, Government 6 Services (e.g., Fines, Taxes, Bonds), Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport (e.g. Taxis, Metro, Buses), Road Tolls/Salik, Charities/Religious Organizations.
(3) European Economic Area (EEA) means countries which are part of the European Economic Area. Classification of merchants based in the EEA will be as per prevailing Visa/Mastercard guidelines.
(4)​​Exceed Rewards can be earned in each statement cycle for transactions up to the approved covered card limit.​​​​​​

Home Finance

Customers can earn Exceed Rewards every time they apply for a Home Finance with ADIB. The below table shows the rewards earned based on the Home Finance amount applied for.​

ProductHome Finance amountExceed Rewards Earned
Home FinanceAED 500,000 to 1,499,99910
AED 1,500,000 to 2,999,99915
AED 3,000,000+30

Exceed Rewards will be credited to customers only upon successful disbursal of the Home Finance.​​​​

Personal Finance

Customers can earn Exceed Rewards every time they apply for a Personal Finance using ADIB Mobile app only. The below table shows the Exceed Rewards earned based on the amount of Personal Finance applied for.​

ProductPersonal Finance amountExceed Rewards Earned
Personal FinanceAED 100,000 to 249,99950
AED 250,000 +125

Exceed Rewards will be credited to customers only upon successful disbursal of the Personal Finance amount.​​

International - Remittances​​

Customers can earn Exceed Rewards every time they send money internationally using ADIB Mobile App and ADIB Online Banking only. The below table shows the Exceed Rewards earned based on the remitted amount.​

ProductRemittance Transaction ValueExceed Rewards Earned
International RemittancesAED 5000 to AED 9,9992.5
AED 10,000 to AED 19,9993.5
AED 20,000+5

Customers can earn additional Exceed Rewards for 3 or more remittance transactions in a calendar month.

ProductNumber of TransactionsExceed Rewards Earned
International Remittance3 to 4 transactions/month5
>= 5 transactions/month7.5​


Takaful

ProductContribution ValueExceed Rewards Earned
Personal Finance TakafulContribution Amount equal to or greater than AED 1,00010
Motor TakafulContribution Amount equal to or greater than AED 1,00010
SME TakafulContribution Amount equal to or greater than AED 1,00010​​

ADIB Al Yusr - Salary Advance Finance

ProductAl Yusr - Finance AmountExceed Rewards Earned
ADIB Yusr- Salary Advance FinanceMinimum Finance amount of AED 10005​

Exceed Rewards will be credited to customers only upon successful disbursal of Al Yusr finance amount.​​​