ADIB Etisalat Gold Credit Card

ADIB Etisalat Gold Credit Card

ADIB

Min. Salary

AED 10000

Annual Fees

AED 299

Interest Rate

2.99%

FX Rate

3.1%

Benefits

Airport Lounge Access
Salary Transfer
Sharia Compliant

ADIB Etisalat Gold Card is a co-branded credit card issued in partnership with Etisalat Tele Communication Company. It offers Etisalat Smiles points on every Dirham spent on the card. Reward points can be redeemed for Etisalat free talk time.

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Reward features

  • Etisalat Smiles points can also be redeemed to pay mobile bills, car rental, eLife service, retail stores, and others.
  • Sign up Smiles Points are equivalent to more than 600 minutes of UAE talk time.
  • Sign up Smiles Points are equivalent to more than 320 minutes of talk time for calls to India, Pakistan, Oman, and Bangladesh.
  • More than 240 minutes of talk time for calls to Kuwait, Bahrain, and Saudi Arabia.
  • More than 200 minutes of talk time for calls to Jordan, Egypt, Lebanon, Syria, and the Philippines​.

Features

  • Sign up bonus of 20,000 Etisalat Smiles points which can be converted into more than 20 hours of UAE talk time.
  • Earn up to 3 Etisalat Smiles points for every AED 1 spent on select transactions.
  • Redeem Etisalat Smile points for free UAE talk time.
  • Cash withdrawal limit is 100% of the finance limit.
  • Access to Veloce airport lounges across the globe.

Additional Benefits

  • Four free supplementary credit cards for immediate family members.
  • Up to 55 days interest-free grace period every month.
  • Earn more Etisalat Smiles points to get Etisalat MyPackage Plan.

Fees & Charges

  • Supplementary Card Annual Fee: Free up to 4th card. From 5th card onwards – AED 299
  • Late Payment Fee: AED 100
  • Over limit Fee: AED 50
  • Cash Advance Fee: 3% of the withdrawn amount or AED 99

Addition Information

  • Reward points rate for every AED 1 (Non-self funded card) – 1 point on merchant transactions; 3 points on domestic and international spends.
  • Reward points rate for every AED 1 (Self-funded card) – 1 point on merchant transactions; 2 points on domestic and international spends.
  • Interest-free grace period of up to 55 days every month.
  • Reward points can be conveniently redeemed at the Etisalat Smiles website.
  • Credit card payments can be made conveniently at the bank branches, cash deposit machines, UAE Exchange, Al Fardan Exchange, and Al Ansari Exchange.
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