ADIB, a leading Islamic bank in the UAE, offers credit cards that follow Islamic banking principles. When it comes to managing your money and enjoying a wide range of benefits, ADIB credit cards are a top choice in the UAE. They provide different credit cards to suit various needs, from everyday spending to travel and exclusive lifestyle perks, including cashback, rewards, etc. Here, we’ll explore the best ADIB credit cards in UAE, their benefits, and how you can apply for one.
Types of ADIB Credit Cards
ADIB provides a variety of credit cards to meet different customer needs. Here are some of the best credit card options:
- ADIB Cashback Cards
- ADIB Exceed Cover Cards
- ADIB Emirates Skywards Cards
- ADIB Etihad Guest Card
- ADIB Smiles Cards
- ADIB Booking.com Cards
List of Best ADIB Credit Cards in UAE:
ADIB Emirates Skywards Cards:
ADIB Emirates Skywards Visa Infinite Card
Features:
- Bonus Skywards Miles: Up to 50,000.
- Membership: Emirates Skywards Silver tier.
- Fast Track: To Emirates Skywards Gold tier.
- Services: Emirates Home check-in within Dubai.
- Bill Payment: Etisalat, Du bills, water and electricity bills.
- Airport Lounge Access: Unlimited for primary cardholders and guests.
Required Documents:
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 4500 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Emirates Skywards Visa Signature Card
Features
- Bonus Skywards Miles: Up to 25,000.
- Membership: Emirates Skywards Silver tier.
- Services: Two complimentary Home check-ins within Dubai.
- Airport Lounge Access: Unlimited via LoungeKey.
Required Documents:
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 1500 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Smiles Cards:
ADIB Smiles Visa Signature Card
Features:
- Sign-Up Bonus: 70,000 Smiles points.
- Subscription: Complimentary 1-year subscription to Smiles.
- Rewards:
- 30 Smiles points per AED 5 on the Smiles App.
- Up to 15 points per AED 5 internationally.
- 10 points per AED 5 locally.
Required Documents:
- Minimum Salary of 20,000 AED
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 1,199 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Smiles Classic Card
Features:
- Sign-Up Bonus: 5,000 Smiles points.
- Rewards:
- 12 Smiles points per AED 5 on the Smiles App.
- Up to 6 points per AED 5 internationally.
- 4 points per AED 5 locally.
Required Documents:
- Minimum Salary of 5,000 AED
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: Free
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Etihad Guest Cards:
ADIB Etihad Guest Visa Platinum Card
Features:
- Welcome Bonus: 50,000 Etihad Guest Miles.
- Miles Earn Rate: Up to 3 Miles per AED 4 spent internationally, 2.2 Miles locally.
- Benefits: Free companion ticket on AED 150,000 annual spend, withdrawal of 100% of your finance limit as cash, airport lounge access visa lounge key, valet parking on specific locations in the UAE, and 24/7 free roadside assistance.
Required Documents:
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 2000 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Etihad Guest Visa Gold Card
Features:
- Welcome Bonus: 35,000 Etihad Guest Miles.
- Miles Earn Rate: Up to 1.5 Miles per AED 4 spent internationally, 1 Mile locally.
- Benefits: Free companion ticket on AED 150,000 annual spending, withdrawal of 100% of your finance limit as cash, and free roadside assistance.
Required Documents:
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 1000 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Etihad Guest Visa Classic Card
Features:
- Welcome Bonus: 10,000 Etihad Guest Miles.
- Miles Earn Rate: Up to 1 Mile per AED 4 spent internationally, 0.75 Miles locally.
- Benefits: cash withdrawal of 100% of your finance limit, free roadside assistance, and flexible miles redemption.
Required Documents:
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 500 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request.”
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Exceed Cover Cards:
ADIB Exceed Visa Covered Card
Features:
- Rewards: Earn up to 1 Exceed Reward point for every AED 100 spent.
- Additional Benefits: Roadside assistance within UAE once a year.
Required Documents:
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 99 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Exceed Visa Platinum Covered Card
Features:
- Rewards: Earn up to 1.5 Exceed Reward points for every AED 100 spent.
- Additional Benefits: Airport lounge access twice a year for cardholders roadside assistance within UAE once a year.
Required Documents:
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 199 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Cashback Visa Covered Cards
ADIB New Cashback Card
Features:
Cashback:
- 4% on supermarket and grocery spending.
- 4% on fuel and automobile spending.
- 4% on school and education payments.
- 4% on dining and restaurant spending.
- 4% on utility payments.
Additional Benefits: Roadside assistance once a year.
Required Documents:
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 99 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
ADIB Booking.com Covered Cards:
ADIB Booking.com Signature Card
Features:
- Rewards:
- 2.5 Exceed Rewards per AED 100 on airline spending.
- 0.5 Exceed Reward per AED 100 spent locally.
- 1 Exceed Reward per AED 100 spent internationally.
- 0.125 Exceed Reward per AED 100 on specific merchants.
- Benefits:
- Unlimited airport lounge access for cardholders.
- 100% cash withdrawal limit
- Valet parking at select locations in the UAE.
- 10% discount on select hotel bookings through the Booking.com Genius Program.
Required Documents:
- Copy of a valid passport
- Copy of a valid Emirates ID.
- Bank statements (last 3 months)
- Salary certificate from current employer (less than 30 days old)
Charges:
- Covered annual fee: 299 AED
- Profit rate monthly: 3.75 %
How to apply?
- Go to this URL.
- Click “Apply Now” below the card.
- Select whether you are an existing customer of the bank or not.
- Enter your name, email address, and number.
- Accept the terms and conditions, clear the captcha and click “Submit Request”.
- Additionally you can visit the nearest ADIB bank branch to apply for the ADIB credit card.
Click on “Learn More” to Know More About The Best ADIB Credit Cards in Detail:
| ADIB credit card name | Click here to learn more |
| ADIB Emirates Skywards Visa Infinite Card | Learn More |
| ADIB Emirates Skywards Visa Signature Card | Learn More |
| ADIB Smiles Visa Signature Card | Learn More |
| ADIB Smiles Classic Card | Learn More |
| ADIB Etihad Guest Visa Platinum Card | Learn More |
| ADIB Etihad Guest Visa Gold Card | Learn More |
| ADIB Etihad Guest Visa Classic Card | Learn More |
| ADIB Exceed Visa Covered Card | Learn More |
| ADIB Exceed Visa Platinum Covered Card | Learn More |
| ADIB New Cashback Card | Learn More |
| ADIB Booking.com Signature Card | Learn More |
ADIB Credit Card Requirements:
To apply for an ADIB credit card, you need to meet certain criteria and provide specific documents. Here are the general requirements:
Eligibility Criteria
- Minimum Income: You should earn between 5,000 and 15,000 AED per month.
Note: This may vary from card to card. It’s better to check with the respective bank itself.
- Age: You must be at least 18 years old or above.
- Nationality: You must be a UAE national or a resident of UAE.
Required Documents
- Identification:
- Emirates ID copy
- Original passport copy
- Visa copy (for expats)
- Financial Documents:
- Salary certificate
- Bank statements (usually for the last 3-6 months)
- Application Form: Fill out the application form, which you can get from the ADIB website or any ADIB branch once they contact you regarding the further steps.
ADIB Credit Card Customer Care:
You can contact the ADIB credit customer service at the following options:
- Call Center: 600543216 (available 24/7)
- Priority Banking Call Center: 800200 (available 24/7)
- Customer Service Email: customerservice@adib.ae
Factors Influencing ADIB Credit Card Eligibility in the UAE:
ADIB credit card eligibility in the UAE is flexible and depends on the bank’s discretion. However, some common factors include:
Age
- Minimum Age: You must be at least 18 years old. If you are under 18, you can apply with a legal guardian.
- Maximum Age: The upper age limit is usually between 65 and 75 years, depending on various factors.
Minimum Income
- Each ADIB credit card has a different income requirement. Your salary must meet the minimum income needed for the specific card you want.
Credit History
- ADIB checks your credit history, including past loans, repayment history, and late payments. You may need to provide bank statements for the last 3-6 months.
- Maintaining a good credit history for at least a year is helpful. A good credit history can help you qualify for better credit card options and financing from ADIB.
Final Takeaway:
So, that was all about the best ADIB credit cards in UAE. ADIB credit cards offer many benefits to suit different financial needs and lifestyles. Whether you want cashback, travel rewards, or special perks, ADIB has a credit card for you. By learning about the features and benefits of each card, you can choose the right one and enjoy all the advantages of being an ADIB credit cardholder.
Frequently Asked Questions (FAQs):
Q. What is the minimum salary for an ADIB credit card?
The ADIB credit card minimum salary required is AED 5000. This may vary depending on the cards.
Q. Can I withdraw cash from an ADIB credit card?
Yes, you can withdraw cash using an ATM or CCDM machine.
Q. How can I activate your ADIB credit card?
You can activate your credit card online, mobile banking or by visiting a branch.
