Reward features
- Get a welcome bonus of 50,000 Skyward Miles on the first spend within 30 days of card issuance.
- Earn Skywards Miles on every AED 3.68 spent on the card in various categories
- Earn 3 Miles on Emirates and Flydubai spends
- Earn 2 Miles on foreign currency spends
- Earn 1.5 Miles on local currency spends and
- 0.25 Miles on specific category spends including supermarkets, utilities, taxes, fines, utility bill payments, petrol, real estate agents, public transport, road tolls, and for charities.
- Earn 0.8 miles for every AED 3.68 spent in countries that are part of the European Economic Area.
Features
- Welcome bonus up to 25000 skyward miles on the first spend
- The primary cardholder can achieve Emirates Skywards Gold tier membership by spending a minimum of USD 5,000 with Emirates, valid for 12 months from activation.
- Earn Skyward miles on every AED 3.68 spent using the card
- Unlimited lounge access to more than 1200 airport lounges worldwide, including 220 airports in Central Europe, the Middle East, and Africa.
- Home check-in service in Dubai four times a year.
- Four airport transfers from anywhere within city limits in the UAE
- Golf benefits for the cardholder and one guest at The ELS Golf Club & Arabian Ranches Golf Club, Dubai, and the Abu Dhabi Golf Club, Abu Dhabi
Additional Benefits
- Access to luxury travel planning and exclusive events
- Free Valet parking four times a month through Valtrans at specific locations in the UAE
- With 24/7 concierge service, plan your travel with the best events, reserve a table, and schedule a personalized shopping experience.
- Travel inconvenience cover covers lost or damaged baggage up to USD 3,000; baggage delay cover of USD 500; trip delay cover of USD 500, and trip cancellation cover of USD 7,500
- Travel Medical Cover for cardholders and family members (spouse -100%, kids -25%, helper – 25%).
- Provides travel accident cover up to USD 500,000
- Emergency medical evacuation covers up to USD 500,000
- Covers medical expenses up to USD 500,00
- Also provides an in-hospital cash benefit of USD 100 per day
- 24/7 account access with chat banking, sms alerts, and e-statements
Fees & Charges
- Supplementary Annual Fee: Free for first four cards and from 5th card onwards AED 4500
- 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- Cash Advance Fee: 3% of the withdrawn amount or a minimum of AED 99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
- One supplementary cardholder is also eligible for Emirates Skywards Gold membership by spending an additional USD 5,000 spend, subject to the payment of an annual fee of AED 4,500.
- Balance transfer facility to transfer your current outstanding other credit cards to ADIB credit card.
- Cash-on-call service to transfer cash from the Visa Signature credit card to a selected bank account
- Cardholders can shop at select merchants and pay it back in easy installments in 3, 6, 9, or 12 months. No processing fee and a 100% waiver on monthly interest.
- An optional Takaful cover to protect the cardholder in case of death, critical illness, involuntary loss of employment and permanent disability.
- 12-month Balance Transfer feature with no profit and a 3% processing fee. Cardholders can use up to 50% of the cover limit.
- 3-month Balance Transfer feature with no profit and a 2% processing fee. Cardholders can use up to 100% of the cover limit.
- Cardholders can make various bill payments through online banking or chat banking for Etisalat and Du bills (Wasel recharge, GSM, landline bills, etc.) water, and electricity bills.