ADIB Value Card

The ADIB Value Card opens a world of benefits for you where you get rewarded for your local and international spend.

Key Benefits

​Exceed Rewards

Advanced Chip&Pin technology

Withdraw 100% of your finance limit as cash​​

Exceed Rewards

0.50 Exceed Rewards for every AED 100 spent within UAE​
1.00 Exceed Rewards(1) for every AED 100 (or equaivalent) spent internationally
0.125 Exceed Reward for every AED 100 spent on Specific Merchants(2)

(1) 0.250 Exceed Reward for every AED 100 spent in Countries which are a part of the European Economic Area. Classification of merchants based in the EEA will be as per prevailing Visa guidelines.

(2) Specific Merchants are: Supermarkets, Government Services (e.g. Fines, Taxes), Utilities, Education, Service/Petrol Station, Real Estate Agencies, Public Transporation (e.g. Taxis, Metro, Buses), Road Tolls/Salik, Charities/Religious Organizations.

ADIB Exceed Rewards Loyalty Program

Now redeem your Exceed Reward points instantly using your ADIB Mobile App for exciting rewards and turn your everyday banking experience into something truly extraordinary.

Click here to learn more about the ADIB Exceed Rewards Loyalty Program.​


Card Protection*

Purchase Protection & Extended Warranty
Customers are eligible for a refund up to USD 7,500 per item if purchases are accidentally broken, stolen, or damaged, within 365 days from date of purchase. Manufacturer or retailer’s warranty will be automatically extendedon a range of goods for a combined total of 24 months​​


Managing your account

ADIB Online Banking – visit to view your Card statement and transact on your Card.

24x7 Phone Banking: Call us at any time on 04-4286000 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. ​


Bill Payments

The following bills can be paid via Online Banking ( or Phone Banking 04-4286000:

Etisalat bills (Landline, GSM, Wasel Recharge and renewal, eLife and internet)
Water and Electricity bills (DEWA, SEWA, ADWEA)



Islamic Covered Card Takaful Scheme Protection

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



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.​


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​ (not more than 30 days old)​

Fees and Charges

  • Covered Card Annual Fee - Free(10)
  • 5th Supplementary Card Annual Fee(3) - 250
  • Monthly Profit Rate - 3.75​%
Click here for an updated Schedule of Charges​