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Warning: If you pay only the card’s minimum monthly payment due, the un-waived profit at the discretion of the Bank will be more and it will take you longer to pay off your Present Balance.

ADIB Etisalat Visa Platinum Card*

Earn 70,000 Etisalat Smile points when you register, and enjoy up to 38 hours of free local calls when using your Etisalat Platinum Covered Card from ADIB (invitation only).

Key Benefits

70,000 Sign Up Etisalat Smiles points

Airport Lounge Access

Withdraw 100% of your finance limit as cash

70,000 Welcome Etisalat Smiles Points

Get a welcome bonus up to 70,000 Etisalat Smile point, earn up to 4 Etisalat smiles for every 1 AED spent local and internatinal transaction*

Airport Lounge Access

Free access to Airport Lounges worldwide via Veloce Lounge. Click here for more details and list of lounges.

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.

Click here for a list of all the Covered Card payment options

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.

* Features and Benefits available only for existing customer and not available for new customers.

Click here for the Cards Terms and Conditions

Cards Comparison Document

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 999
5th Supplementary Card Annual Fee⁽³⁾ 999
Monthly Profit Rate - 3.75%

Click here for an updated Schedule of Charges

Covered Card Annual Fee	999
5th Supplementary Card Annual Fee (3)	999
Monthly Profit Rate (W/ Salary Transfer)	3.75%
Cash Withdrawal Limit	100%
ATM Cash Withdrawal Fee (4)	3% minimum 99
Card Replacement Fee (5)	75
Transfer of Excess Funds over the Cash Cover from Card to Account 100.	100^*
Minimum Monthly Payment	5% minimum 100
Grace Period For Monthly Payment	Up to 55 days
Al Etihad Credit Bureau Fee	25
Donation Commitment to Charity in case of Late Payment Event (6) (VAT is not applicable)	100
Temporary Increase Limit Fee	50
Non-AED Transaction Service Fee (7)	2.3%
AED International Transaction Service Fee (8)	1.99%
Copy of Sales Receipt Fee	25
Copy of Travel Fares / Hotel Receipt Fee	25
Liability / No Liability Letter	50
Copy of Additional Statement Fee	45
Returned Cheque Fee	100
Monthly Takaful Protection Contribution Amount (Optional) (9)	0.9345 fils per 100 of the utilized cover amount

*Transfer of Excess Funds over the Cash Cover from Card to Account with fee of AED 100 is only applicable on exception when processed through ADIB Branch or ADIB Call Centre. Standard cash withdrawal fee is applicable on Card to Account Transfer performed through ADIB ATM/Online/Digital Channels.

All of the above currencies are in AED unless mentioned otherwise

Notes:

(3) Entitled to four Free Supplementary Cards until further notice. Annual fees will be applied on the 5th supplementary card and onwards.

(4) Includes cash withdrawal at ATMs, Exchange Houses or similar, transfer of the original cover of the Card to any ADIB Account. This will also include all Transactions at merchants classified as "Security Brokers/Dealers" (under Visa Merchant Category Code 6211) including but not limited to National Bonds Corporation Transactions. Additionally, such Transactions will not qualify for Etihad Miles, Cashback or any other reward scheme.

(5) For damaged Cards, no fee shall be applicable if the Cardholder delivers the damaged Card to the branch.

(6) If agreed upon with the customer and stipulated in the relevant document

(7) Added to the Non-AED transactions' wholesale foreign exchange market spot rate that is selected and applied by Visa/MasterCard on the date of conversion in addition to the fee of Visa/MasterCard.

(8) For transactions that take place outside the UAE where the Cardholder pays the merchant in AED.

(9) The Monthly Contribution includes the Monthly Takaful Contribution and the fee of the arrangement, distribution and other services related to the Takaful scheme. For Takaful products, all contribution amounts are inclusive of VAT if applicable. For all Cards including Supplementary Cards, Monthly Contribution amount shall be linked to the Principal Card

With effect from 1st January 2018, a standard rate of 5% Value Added Tax ( VAT ) applies on the above fees as per the UAE VAT Law (Federal Decree-Law No (8) of 2017 on Value Added Tax) and shall be added on the top of the above fees that are subject to VAT and shall be payable on the same due date of such fees

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ADIB Etisalat Visa Platinum Card*

Key Benefits

70,000 Welcome Etisalat Smiles Points

Airport Lounge Access

Banking with ADIB

Ways To Pay

ADIB Mobile Banking App

Required Documents

Fees and Charges

More cards for you to explore

Still not sure which card is for you?