ADIB Smiles Visa Signature Credit Card

ADIB Smiles Visa Signature Credit Card

ADIB

Min. Salary

AED 2000

Annual Fees

AED 1199

Interest Rate

3.29%

FX Rate

3.1%

Benefits

Airport Lounge Access
Balance Transfer
Concierge Service
Extended Warranty
Fraudulent Card Misuse Protection
Purchase Protection
Roadside Assistance
Salary Transfer
Sharia Compliant
Travel Insurance
Valet Parking

ADIB Smiles Signature Card is a rewards credit card. It offers Smiles points on every transaction, free travel insurance, airport lounge access, valet parking, roadside assistance, etc. Smiles points can be redeemed for travel, lifestyle, and dining benefits.

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Reward features

  • Spend AED 15,000 within the first 90 days of card issuance and get 30,000 bonus Smiles points.
  • Complimentary concierge service that provides 24-hour assistance with personal travel assistance.
  • Smiles points can also be redeemed for mobile bills, car rental bookings, eLife service, retail stores and others.
  • Unlimited access to over 1,000 VIP airport lounges across the globe.
  • Free roadside assistance including towing services, jump start services, flat tyre service, lock out service, fuel delivery service, etc.

Features

  • Sign up bonus of 70,000 Smiles points.
  • Free subscription to Smiles Unlimited Program for one year.
  • Four complimentary valet parking services per month.
  • Redeem Smile points for flight bookings over 1,000 airlines and 50,000+ hotels.
  • Free travel insurance that covers medical, personal, and travel inconvenience for cardholders and their family.

Additional Benefits

  • Best shopping offers from retail partners.
  • Free medical and travel assistance across the globe.
  • Up to USD 150,000 medical cover for spouse and up to 5 children.
  • Personal accident and liability cover up to USD 500,000.
  • Travel inconvenience provides coverage up to USD 5,000 for trip cancellation, baggage delay, etc.
  • The Card Protection feature offers coverage against any unauthorised transitions on the card
  • Balance transfer facility from any other credit card.
  • Transfer money from the card to a selected bank account with just a phone call.
  • Shop with the card and payback 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: AED 1,199 (from 5th card)
  • Late Payment Fee: AED 100
  • Over limit Fee: AED 50
  • Cash Advance Fee: 3% of the withdrawn amount or AED 99

Addition Information

  • Book flights, make travel arrangements, hotel reservations, dinner arrangements, etc., through free concierge service.
  • Medical assistance includes medical advice over phone, delivery of essential medicines, arranging physicians to the cardholder’s place, etc.
  • Card Protection features offers reimbursement of up to USD 2,500 per occurrence with an annual cap of USD 4,000.
  • Four free add-on credit cards for immediate family members.
  • Earn up to 30 Smiles points for every AED 5 spent on select transactions.
  • Shop on Smiles app for exciting Buy 1 Get 1 free offers and other deals.
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