ADIB Smiles Visa Signature Card

70,000 Smiles points upon sign up! Complimentary 1 Year subscription to Smiles. Unlimited Buy 1 Get 1 worth AED199, 10,000 Smiles points as quarterly bonus subject to meeting the spend criteria of AED 25K each quarter


Key Benefits

Up to 70,000 Smiles points


Unlimited Airport Lounge Access Globally

Free Roadside Assistance

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

Smiles points

Up 70,000 bonus Smiles & complimentary 1 Year subscription to Smiles Unlimited Buy 1 Get 1 worth AED 199.


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

Free Valet Parking

Show your ADIB Smiles Visa Signature Card at the standard valet parking desk and get 4 complimentary visits every month at selected locations.
(Click here for a list of locations)​​​

Free Roadside Assistance

Drive with complete peace of mind as your ADIB Smiles Visa Signature Card entitles you to FREE roadside assistance​​​ Free Unlimited City Limit Towing Services,Inter Emirate Towing limited to 3 times in a year, Jump Start Services, Flat Tyre Service,Lock Out Service Free Fuel Delivery Service, and Free transportation Vehicle Registration Service.

To avail roadside assistance service please call 600-542010​.


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.

Global Lounge Access*

Unlimited complimentary VIP airport lounge access visits for card holder across more than 1,000 lounges worldwide.

Visit to know more.​​

Concierge Services*

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

Travel arrangements (Booking flights, Hotel reservations, Hotel transfers, Car hire, and Tourist activities)​​

Medical & Travel Assistance*

You can now travel the world with ease knowing that you will always have the assistance you deserve.

Multi-trip travel cover*

The card covers you, your spouse and up to 5 children (age limit of 75 per individual), while travelling. Cover includes: 

Cover includes: Medical cover ,Personal cover, and Travel inconvenience cover​

Card Protection*

Purchase Protection
Customers will be protected against unauthorized transactions or fraudulent use of their card by unrelated third parties. This insurance benefit will provide reimbursement up to USD 2,500 per occurrence with USD 4,000 annual aggregate limit for Visa Signature Cardholders.

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

Ways To Pay

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

Banking with ADIB

ADIB Online Banking – visit 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 rece​ive your statements via email.
SMS alerts: Receive Card information and transaction alerts.

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 20,000
  • ​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 - 1,199
  • 5th Supplementary Card Annual Fee(3) - 1,199​​
  • Monthly Profit Rate (W/ Salary Transfer) 3.29%(16)
  • Annualised Profit Rate (W/ Salary Transfer) 40.03%
  • Monthly Profit Rate (W/O Salary Transfer) 3.29%(17)
  • Annualised Profit Rate (W/O Salary Transfer) 40.03%

Click here for an updated Schedule of Charges​

More cards for you to explore

ADIB Etihad Guest Visa Classic Card

  • Welcome bonus 10,000 Etihad Guest Miles
  • Pay your ADIB Etihad Guest Covered Card Annual Fees using Etihad Guest Miles
  • Receive 1 Etihad Guest Miles for every 4 AED spent​​

ADIB Etihad Guest Visa Platinum Card

  • ​​Welcome bonus 50,000 Etihad Guest Miles​.
  • Pay your ADIB Etihad Guest Covered Card Annual Fees using Etihad Guest Miles.
  • Receive up to 3 Etihad Guest Miles for every AED 4 spent.
  • Free Companion Ticket on every  AED 150,000 spent yearly.​​​​

ADIB Etihad Guest Visa Gold Card

  • Welcome bonus 35,000 Etihad Guest Miles
  • Pay your ADIB Etihad Guest Covered Card Annual Fees using Etihad Guest Miles
  • Receive up to 2 Etihad Gue​​st Miles for every AED 4 spent
  • Free Companion Ticket on every  AED 150,000 spent yearly.​

Still not sure which card is for you?