ADIB Smiles Classic Credit Card is a zero annual fee credit card. Cardholders can earn Smiles points and redeem them for travel, lifestyle, and dining benefits. Family members can get add-on credit cards for free.
Spend AED 25,000 per quarter and earn 10,000 Smiles points as a quarterly bonus.
Redeem smile points on flight bookings over 1000 airlines and 50000+ hotel stays
Smiles points can also be redeemed to pay for select Etisalat services through the Smiles App.
Features
A no annual fee credit card with lifestyle benefits.
Download the Smiles App and get 1+1 offers and other discount deals
Balance transfer facility available to transfer outstanding on other bank credit cards to ADIB credit card.
Transfer money from the card to a selected bank account with just a phone call.
Shop with the card and pay back in easy monthly installments (EMIs) of 3/6/9/12 with zero monthly interest and processing fee.
Additional Benefits
100% cash withdrawal facility available
An optional Takaful protection cover is available in case of disability, death, loss of employment, and critical illness.
An interest-free grace period of up to 55 days
Fees & Charges
Supplementary Annual Fee: Nil
Late Payment Fee: AED 100
Over limit Fee: AED 50
Cash Advance Fee: 3% of the withdrawn amount or AED 99
Addition Information
Multiple credit card payment options are available to clear the credit card outstanding on time.
Card payments can be done at ADIB bank branches, cash, and cheque deposit machines, phone and online banking, Al Fardan, and Al Ansari Exchange centers.
With ADIB Mobile Banking App cardholders can manage the card at their convenience.
Documents required to apply for the card include a valid passport, Emirates ID, last 3 months’ bank statement, and salary certificate.
