New cardholders receive a welcome bonus of 25,000 Skywards Miles on their first spend within 30 days of card issuance.
Earn Skyward miles for every AED 3.68 spent.
- Earn 2.5 miles on Emirates and Flydubai spends
- Earn 1.5 miles on foreign currency spends
- 1 mile for local currency spends
- 0.25 miles on specific category spend including purchases made at supermarkets, utility payments, education, government services, real estate agents, petrol stations, etc.
- Earn 0.6 miles per AED 3.68 spent in countries part of the European Economic Area.

Welcome bonus on the first spend up to 25000 Skywards miles
Earn Skyward miles on every AED 3.68 spent using the card
Home check-in service in Dubai two times a year
Two airport transfers from anywhere within city limits in the UAE
Airport lounge access worldwide through the Visa Airport Companion app
Golf benefits for the cardholders at The ELS Golf Club & Arabian Ranches Golf Club, Dubai, and the Abu Dhabi Golf Club, Abu Dhabi
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 powered by Visa for cardholders and family members.

Cash Transfer facility from card to selected banks.
Cash on-call service to transfer cash from the Visa Signature credit card to a selected bank account
100% excess funds transfer from card to account
100% cash withdrawal limit
Anytime account access with 24/7 chat banking, e-statements, and SMS alert facility.
55 days grace period for monthly payments
Free Valet parking two times a month through Valtrans at specific locations in the UAE
Balance transfer facility to transfer your current outstanding other credit cards to ADIB credit card.

Supplementary Annual Fee: Free for first 4 cards and from 5th card onwards AED 1500
Late Payment Fee: AED 100
Over limit Fee: AED 50
Cash Advance Fee: 3% of the withdrawn amount or a minimum of AED 99

Cardholders can shop at selected merchants and pay them back in easy installments in 3,6,9 or 12-month intervals with 100% waiver and zero processing fees.
The card provides takaful cover to protect in case of death, critical illness, permanent disability, and involuntary loss of employment.
Cardholders can make payments through online banking or chat banking for Etisalat and Du bills (wasel recharge, GSM, landline bills, etc.) water, and electricity bills.
12-month balance transfer with no profit and a 3% processing fee use up to 50% of the cover limit.
3 months balance transfer with no profit and 2% processing fee use up to 100% of cover limit)
Cardholders can easily manage cards through the ADIB mobile banking app

ADIB Emirates Skywards Visa Signature Credit Card