ADIB Spice Card

Get discounts, Exceed Reward points, Easy Pay option and much more with the Spice card from ADIB!

Key Benefits

Exceed Rewards Program

Upto 9% Exceed Reward points on all spends

Withdraw 100% of y​our finance limit as cash​

Access to the “Spiciest” Offers

As a Spice card holder you are entitled to Spice up your life with great discounts at the following restaurants. In addition you also enjoy 9% Exceed Reward points on the restaurants.

Restaurants Deals

Get exclusive discounts on dining at various restaurants across UAE


Convert your purchase at any of the 3 jewellers mentioned below into an Easy Payment plan of 3 or 6 months @ 0% Murabaha (profit).
A minimum spend of AED 1000 is required. Offer is not valid for gold coins or gold bars

Al Liali Jewellery
Pure Gold

Priceless Arabia offers

A unique collection of experiences especially created for MasterCard holders. From dining, shopping and sports to exciting attractions and travel.

For details visit

Complimentary Lounge access

Relax when you fly with unlimited access to the following Airport Lounges across the GCC, Present your ADIB Spice Card and enjoy privileged access to select airport lounges

Click Here for more details

Other 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.

Redeem your Exceed Reward points

Redeem your Exceed Reward points instantly using ADIB Mobile App for retail or online shopping vouchers, flight purchases, to make utility payments and much more.​

Ways To Pay

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

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​ minimum salary UAE Nationals : AED 8,000 & Expatriate : AED 12,000​(not more than 30 days old)​

Fees and Charges

  • Covered Card Annual Fee ​- 19915
  • 5th Supplementary Card Annual Fee(3) - 199
  • Monthly Profit Rate - 3.75​​​%
Click here for an updated Schedule of Charges​

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