Reward features
- Earn 0.5 Exceed Reward points on every AED 100 spent within UAE
- Earn 1.5 Exceed Reward points on every AED 100 spent outside the UAE. International transactions equivalent to AED 100 will be considered.
- Earn 0.125 Exceed Reward points on every AED 100 spent at supermarkets, petrol stations, taxis, metro, and bus tickets.
- Earn 0.125 for payments related to government services like taxes, fines, utility payments, etc.
- Earn 0.125 on payments related to education, real estate agencies, road tolls, and charity payments.
- Each Exceed Reward point is equal to AED 2 and the accrued points can be redeemed to make utility bill payments, book flight tickets, and others.
Features
- Earn up to 1.5 Exceel reward points spent within and outside the UAE
- Redeem Exceed reward points for shopping vouchers, utility bill payments, flight bookings, and more.
- Get 2 complimentary airport lounge visits per year at eligible airport lounges across the globe.
- Zero charges for the first 4 supplementary credit cards
- 100% of the credit limit on the card can be withdrawn as cash
- Maximum 55 days interest-free period
Additional Benefits
- Roadside Assistance feature covers towing services within the city limits, and other roadside assistance services like a flat tyre, lockout, fuel delivery, etc. This service can be availed once a year.
- Redeem Exceed reward points through ADIB Mobile App.
- Multiple credit card payment options are available to clear the credit card outstanding on time.
- Cardholders can pay at over 60 ADIB branches, at the bank’s cash & check deposit machines available 24/7, through e-ADIB internet banking, telephone banking, etc.
Fees & Charges
- Supplementary Annual Fee: 0 for 1st four cards; From 5th card onwards – AED 199
- 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- Cash Advance Fee: 3% of the withdrawn amount or a minimum of AED 99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
- With ADIB Mobile Banking App cardholders can manage the card at their convenience.
- Only primary cardholders are eligible for airport lounge access. Supplementary cardholders are not eligible.
- 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 199
- A minimum of 5% of the outstanding amount on the cards must be repaid every month.
- Cardholders can request a temporary increase in credit limit by paying a fee of AED 50