TOOLS & CALCULATORS HELP ME CHOOSE A CARD

ADIB Smiles Visa Classic Card

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

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Key Benefits

5,000 Smiles points upon sign up

Travel

No Annual Fee​

Buy 1 get 1 free on smiles app​

Enjoy Buy 1 Get 1 Free and other discount deals on the Smiles app

Smiles points

5,000 Smiles points upon sign up!*

Travel

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

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

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.

Banking with ADIB

ADIB Online Banking – visit simple.adib.ae to view your Card statement and transact on your Card.
24x7 Chat Banking: chat with us at any time on WhatsApp +971600543216 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.

Ways To Pay

For your convenience there are numerous ways to make your ADIB Covered Card Payment.

ADIB Mobile Banking App

Bank anytime, anywhere with the ADIB Mobile Banking App You can manage your card on the go by downloading ADIB Mobile Banking App from iTunes App Store, Google Play Store, or the HUAWEI AppGallery.

  • *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

Key Facts Statements

Cards Comparison Document​​​

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

  • Covered Card Annual Fee - Free(10)
  • 5th Supplementary Card Annual Fee(3) - N/A
  • Monthly Profit Rate - 3.75​%(16)
Click here for an updated Schedule of Charges​

More cards for you to explore

ADIB Etihad Guest Visa Classic Card

  • Welcome bonus of 10,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!
  • Local AED Transactions: Receive up to 0.75 Etihad Guest Miles for every AED 4 spent for AED transaction*
  • International Non​​​​-AED Transactions: Receive up to 1 Etihad Guest Miles for every AED 4 equivalent spent**
  • Free roadside assistance
  • Withdraw 100% of your finance limit as cash
  • ​Redeem your Etihad Guest Miles for Travel Bookings, Home Fur​nishing, Electronics and Gifts for family & friends. Click here​ to redeem your Etihad Guest Miles.
*Specific merchants in the following categories will receive 0.25 Etihad Guest Miles per AED 4 (or equivalent) 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.​​​​​​

**0.4 miles for every AED 4 equivalent spends in Countries which are a part of the European Economic Area. Classification of merchants based in the EEA will be as per prevailing scheme guidelines.
​​

ADIB Etihad Guest Visa Platinum Card

  • ​Welcome bonus of 50,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!
  • Local AED Transactions: Receive up to 2.​2 Etihad Guest Miles for every AED 4 spent for AED transaction*
  • International Non-AED Transactions: Receive up to 3 Etihad Guest Miles for every AED 4 equivalent spent**​​
  • Free Companion Ticket on every  AED 150,000 spent yearly​
  • Fast track to Etihad Guest Gold Tier
  • Free airport lounge access via Lounge Key
  • Withdraw 100% of your finance limit as cash
  • Valet parking at select locations in the UAE
  • Free Roadside Assistance 24/7 across the UAE
​​For updated product terms on self-funded Etihad Platinum Card click here​​
*Specific merchants in the following categories will receive 1 Etihad Guest Miles per AED 4 (or equivalent) 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.

**1.2 miles for every AED 4 equivalent spends in Countries which are a part of the European Economic Area. Classification of merchants based in the EEA will be as per prevailing scheme guidelines.​
​​​

ADIB Etihad Guest Visa Gold Card

  • Welcome ​bonus of 35,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!
  • Withdraw 100% of your finance limit as cash
  • Local AED Transactions: Receive up to 1 Etihad Guest Miles for every AED 4 spent for AED transaction*
  • International Non-AED Transactions: Receive upto 1.5 Etihad Guest Miles for every AED 4 equivalent spent**
  • Free Companion Ticket on every  AED 150,000 spent yearly.​​​​​
  • Fast track to Etihad Guest Silver Tier
  • Free roadside assistance

*Specific merchants in the following categories will receive 0.5 Etihad Guest Miles per AED 4 (or equivalent) 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.

**0.6 miles for every AED 4 equivalent spends in Countries which are a part of the European Economic Area. Classification of merchants based in the EEA will be as per prevailing scheme guidelines.​
​​

Still not sure which card is for you?