ADIB Smiles Classic Card is a zero annual fee credit card. Cardholders can earn Smiles points on every transaction and redeem them for travel, lifestyle, and dining benefits. Family members can get four add-on credit cards for free.
Shop on Smiles mobile app for Buy 1 Get 1 free offer and other deals.
Smiles points can also be redeemed for mobile bills, car rental bookings, eLife service, retail stores, and others.
Smiles points rate for every AED 5 – 1 point on merchant transactions; 4 points on domestic spends; 6 on international; and 12 on Smiles App
Features
Sign up bonus of 5,000 Smiles points.
Quarterly milestone bonus of 10,000 Smiles points on spending AED 25K per quarter.
Earn up to 12 Smiles points for every AED 5 spent on select transactions.
Redeem Smile points for flight bookings over 1,000 airlines and 50,000+ hotels.
Four free supplementary credit cards for immediate family members.
Additional Benefits
Balance transfer facility from any other credit card to Visa Gold card.
Transfer money from Visa Gold card to a selected bank account with just a phone call.
Shop with the Visa Gold card and pay it back in easy monthly installments (EMIs) with zero monthly profit and processing fee.
An optional Takaful protection cover in case of death, disability, critical illness, and loss of employment.
Fees & Charges
Supplementary Card 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Cash Advance Fee: 3% of the withdrawn amount or AED 99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
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.
100% cash withdrawal limit is available on the card.
Up to 55 days interest-free grace period every month.
