Reward features
- Earn 4% cashback (up to AED 300/month) on all spends made at supermarkets and grocery stores.
- Earn 4% cashback (up to AED 300/month) on purchasing fuel and other automobile-related spends
- Earn 4% cashback (up to AED 300/month) on all payments pertaining to school or college fees for your child’s education
- Earn 4% cashback (up to AED 300/month) on all orders made at restaurants and dining places
- Earn 4% cashback (up to AED 300/month) on all utility bill payments using the card
Features
- Get up to 4% cashback on most of the daily spend categories including grocery, fuel, dining, utility bill payments, school fee payments, and more.
- Cashback is capped at AED 1,000 per month.
- Zero charges for 4 supplementary credit cards
- 100% of the credit limit on the card can be withdrawn as cash
- Maximum 55 days interest-free period
Additional Benefits
- A free ‘Roadside Assistance’ feature that covers unlimited towing services within the city limits, and other roadside assistance services like a flat tyre, lock out, fuel delivery, etc.
- You can access various online services by visiting ADIB’s official website. View card statements, transact, get e-statements, SMS alerts, and more. A 24/7 banking chatbot is also available for quick query resolution.
- Multiple credit card payment options are available to clear the credit card outstanding on time.
- Cardholders can pay at over 60 ADIB branches, at the bank’s cash & check deposit machines available 24/7, through e-ADIB internet banking, telephone banking, etc.
Fees & Charges
- Supplementary Annual Fee: 0 for 1st four cards; From 5th card onwards – AED 99
- Late Payment Fee: AED 100
- Over limit Fee: AED 50
- Cash Advance Fee: 3% of the withdrawn amount or a minimum of AED 99
Addition Information
- With ADIB Mobile Banking App cardholders can manage the card at their convenience.
- Documents required to apply for the card include a valid passport, valid Emirates ID, last 3 months’ bank statement, and last month’s salary certificate.
- From the 5th supplementary card onwards the annual fee will be AED 99
- A minimum of 5% of the outstanding amount on the cards must be repaid every month.
- Cardholders can request a temporary increase in credit limit by paying a fee of AED 50