Reward features
- Cardholders earn 0.5 Exceed Rewards for every AED 100 spent within UAE
- 1.0 Exceed Rewards for every AED 100 spent internationally
- 0.125 Exceed Reward for every AED 100 spent on specific merchants such as supermarkets, utilities, public transportation, etc.
- Redeem reward points for utility payments, flight purchases, retail or online shopping vouchers, etc.
Features
- Earn Exceed reward points on every spend
- Free roadside assistance within the UAE once a year
- Zero charges for 4 supplementary credit cards
- Upto 55 days grace period for monthly payment
Additional Benefits
- 100% cash withdrawal limit
- 100% transfer of excess funds from card to account
- Cardholders can request a temporary increase in credit limit by paying a fee of AED 50
Fees & Charges
- Supplementary Annual Fee: Free for the first four cards and 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- Cash Advance Fee: 3% of the withdrawn amount or a minimum of AED 99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
- Excess funds transfer from card to account only applies when processed through the ADIB Branch or Call Centre.
- Exceed reward points can be redeemed using ADIB mobile app
- 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.