Reward features
- 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- Cash Advance Fee: 3% of the withdrawn amount or AED 99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.