ADIB Smiles Visa Gold Credit Card

ADIB Smiles Visa Gold Credit Card

ADIB

Min. Salary

AED 5000

Annual Fees

AED 299

Interest Rate

3.29%

FX Rate

3.1%

Benefits

Airport Lounge Access
Balance Transfer
Salary Transfer
Sharia Compliant

ADIB Smiles Gold Card is a rewards credit card. Cardholders can earn Smiles points on every transaction and redeem them for travel, lifestyle, and dining benefits. Enjoy free airport lounge access, Smiles Program subscription, sign up, and bonus reward points.

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Reward features

  • Spend AED 5,000 within the first 90 days of card issuance and get 10,000 bonus Smiles points.
  • Smiles points can also be redeemed for mobile bills, car rental bookings, eLife service, retail stores, and others.
  • Unlimited access to over 60 premium airport lounges across the world.

Features

  • Sign up bonus of 20,000 Smiles points.
  • Free subscription to Smiles Unlimited Program for 90 days.
  • Milestone bonus of 10,000 Smiles points on spending AED 25K per quarter.
  • Earn up to 16 Smiles points for every AED 5 spent on select transactions.
  • Redeem Smile points for flight bookings over 1,000 airlines and 50,000+ hotels.

Additional Benefits

  • Balance transfer facility from any other credit card to Visa Gold card.
  • Transfer money from Visa Gold card to a selected bank account with just a phone call.
  • Shop with the Visa Gold card and pay it back in easy monthly installments (EMIs) with zero monthly profit and processing fee.
  • An optional Takaful protection cover in case of death, disability, critical illness, and loss of employment.

Fees & Charges

  • Supplementary Card Annual Fee: AED 299 (from 5th card)
  • Late Payment Fee: AED 100
  • Over limit Fee: AED 50
  • Cash Advance Fee: 3% of the withdrawn amount or AED 99

Addition Information

  • Smiles points rate for every AED 5 – 1 point on merchant transactions; 6 points on domestic spends; 8 on international; and 16 on Smiles App.
  • Four free supplementary credit cards for immediate family members.
  • Card payments can be done at ADIB bank branches, cash and cheque deposit machines; phone and online banking; Al Fardan and Al Ansari Exchange centers.
  • 100% cash withdrawal limit is available on the card.
  • Up to 55 days interest-free grace period every month.
  • Low income required to apply for the card
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