Reward features
- 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.
Features
- 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.
Additional Benefits
- 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.
Fees & Charges
- 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- Cash Advance Fee: 3% of the withdrawn amount or a minimum of AED 99
Addition Information
- 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