The Abu Dhabi Islamic Bank, or ADIB, was established in 1997 in Abu Dhabi. Abdullah Bin Zayed Al Nahyan, the UAE Minister of Information and Culture, formally opened it in 1999. ADIB adheres to Islamic Banking principles, and all ADIB credit cards are sharia-compliant.
There’s an ADIB card for everyone, from the ADIB credit card designed exclusively for football fans to the ADIB Platinum credit card’s famed foreign travel advantages. The characteristics and perks of ADIB credit cards are listed below.
Sharia-Compliant – Every ADIB credit card comes with a sharia-compliant and transparent banking process. The cards do not charge interest and instead share profits and risks with the depositors. One of the first Islamic Banking Business cards to be introduced in the UAE is the Business Covered ADIB credit card.
Balance Transfer – The low-profit rate balance transfer feature of the ADIB credit card makes it an ideal choice for individuals with debt. The credit limit that an ADIB credit card offers is substantially high, further making the balance transfer process convenient and profitable.
Security Measures – Chip and Pin is an innovative card technology used by ADIB credit cards. For all card transactions, this technology adds an extra degree of security. ADIB also takes online security precautions to ensure that the cardholder’s safety is not affected.
Contactless Payment – Many of the ADIB credit cards offer a contactless payment option. This prevents the credit card from damages and saves the cardholder’s valuable time that they could use for other daily activities instead.
Cash Withdrawals – The cash withdrawal facility offered by ADIB credit cards is extremely flexible. Every ADIB credit card enables the cardholder to withdraw up to 100% of their available credit limit. This can be extremely helpful in times of a financial emergency such as when the cardholder is on a trip abroad and needs financial aid.
Global Partnerships – Aside from the great GCC partnerships that ADIB has created, as evidenced by the Rotana ADIB credit card, the bank also has invaluable global connections. ADIB’s connection with major credit card payment networks such as Visa and MasterCard allows the bank to provide cardholders with a variety of global perks.
Supplementary Card – Almost every ADIB credit card comes with up to four complimentary supplemental cards for the primary cardholder. These cards can be used by eligible family members to take advantage of the ADIB cards’ privileges and perks.
Every ADIB credit card offers its own unique blend of rewards and benefits. Some of the most popular benefits common among the various cards are mentioned below:
Cashback – Visa Rewards ADIB credit cards and VISA Cashback ADIB Platinum credit cards, for example, offer guaranteed cashback on every purchase made with the card. This perk is available for purchases both locally and internationally, including restaurants, hotel reservations, flight tickets, and much more.
Travel Benefits – Apart from discounts on holiday packages, some ADIB credit cards even offer comprehensive travel insurance benefits. It provides coverage in case of travel interruptions and provides medical insurance coverage in case of a medical emergency.
Hotel Bookings – Exclusive savings on Rotana resorts across the GCC are available with cards like the Rotana Rewards ADIB credit card. Furthermore, the Visa-affiliated ADIB credit cards provide discounts on hotel and resort reservations all around the world.
Airline Advantages – Etihad Guest Miles can be earned with the Etihad line of ADIB credit cards. Guest Miles can be redeemed for free flights, premium clothing, electronic purchases, and more. While many ADIB credit cards provide access to lounges in hundreds of airports across the world, some even provide complimentary guest passes for lounge visits.
Talk-Time – The Etisalat credit cards from ADIB allow cardholders to collect Smile Points, which can be redeemed for practically limitless talk time. The Etisalat ADIB credit card, which is partnered with one of the UAE’s leading telecom brands, gives users exceptional incentives.
Football Benefits – The football-specific ADIB credit card, which caters to the UAE’s massive football fan base, offers absolutely fantastic deals in the UAE. A portion of the annual charge goes to the cardholder’s favorite sports team. In addition, the team name is printed on the card, allowing fans to demonstrate their support for their favorite team. The card also provides a flat 1% reward on all purchases.
The ADIB credit card eligibility requirements may be changed at any time at the ADIB’s discretion. However, the following are the most typical criteria for eligibility:
Age – ADIB credit card applicants must be at least 18 years of age. Minors under the age of 18 may apply for a card jointly with their legal guardian. The upper age limit defined in the ADIB credit card eligibility criteria may further vary from 65 to 75 years.
Minimum Income – Every ADIB credit card comes with a minimum income eligibility criterion. The better the ADIB credit card offers are, the greater the minimum salary requirement will be.
Credit History – All ADIB credit card applicants are vetted through a credit history check. The applicant’s past loan records, repayment history, and delinquencies are checked to ensure they can pay their credit card bills. It is recommended to maintain good banking history at least for a year since applicants may be asked to provide 3-6 months of banking statements to fulfill the ADIB credit card eligibility.
The applicant must also present all of the relevant paperwork in order to be eligible for an ADIB credit card. To apply for an ADIB credit card, you’ll need to bring the following documents:
1. Original passport and a valid copy of the same.
2. Original Emirates ID (for UAE residents) and a valid copy of the same
3. Last 3 months of the applicant’s bank statement.
4. A recent salary slip/certificate from the present employer. This should not be more than a month old.
Documents for Business Covered Cards
The documents required for a Business Covered ADIB credit card are slightly different. These are mentioned below:
1. Latest 6 – 12 months of bank statement as per the company’s
2. Any original documents from the following list as applicable:
Trade license
Membership Certificate from the Chamber of Commerce
Commercial Registration
Memorandum of Association
Power of Attorney
Board Resolutions
2. Original passports of all the partners and copies of the same.
3. Original residence visas of all the signatories and copies of the same.
4. Original Emirates IDs of all the signers and copies of the same.
5. Additional documentation for a specific ADIB credit
The applicant can apply for the ADIB credit card in the following ways:
1. The applicant can submit all the necessary documents at any of the ADIB branches in the The full list of ADIB branches may be found online.
2. The applicant can apply for the ADIB credit card The applicant can simply select the preferred ADIB credit card and click on the Apply Now button and Once you submit the form one of BankbyChoice credit card expert will reach you out soon!
The ADIB credit card allows applicants to set their own credit limit by submitting a security check for 5% higher than the chosen limit. The cardholder is expected to stay under the credit limit set by the bank. Any spending that exceeds the budget will result in a penalty fee. If the outstanding balance is not settled within two business days, the ADIB credit card may be cancelled.
The Business Covered ADIB credit cards offer a fixed credit limit as supplied by the employer. The two business covered cards and their associated credit limits are mentioned below:
ADIB Business Gold Covered Card
This ADIB credit card offers has an AED 150,000 credit limit.
ADIB Business Platinum Covered Card
1. The Business Covered ADIB Platinum credit card has an AED 250,000 credit limit.
2. The cardholder can request a temporary increase in their ADIB credit card limit by paying a nominal fee of AED 50.
Members of the ADIB credit card can engage into a Murabaha contract with the bank instead of using their personal funds to cover the established credit limit. The principal ADIB credit card member agrees to a credit limit with the bank and is expected to pay a portion of the used amount every month under a Murabaha contract. The security deposit is put into an investment account, which is then used to buy shares in various commodities, with ADIB and the cardholder sharing investment risks.
The Murabaha contract and other ADIB credit card terms and conditions can be found in its entirety online.
In full compliance with the principles of Islamic Banking, ADIB credit cards offer a completely transparent system of fees and charges. Some of the most commonly seen ADIB credit card charges are as follows:
Late Payment Charge: AED 100 (This amount is donated to charity.)
Returned Cheque Charge: AED 100
Card Replacement Charge: AED 75
No Liability Certificate Charge: AED 50
Additional Credit Card Statement Charge: AED 45
You can find the breakdown of fees and charges for all ADIB credit cards online.
The ADIB credit card payment options are incredibly diverse. ADIB credit card payments and charges can be settled in the following ways:
Offline – Payments for ADIB credit cards can be done in person at any of their branches. The cardholder must give pertinent information, including their card number and account information. Cash or a check can be used to pay for credit card transactions. Online, you can find a list of branches.
Internet Banking – The ADIB Credit Card online portal is known as e-ADIB. It offers the latest internet banking facility and can be used to make credit card payments.
Cash Deposit Machines – Payment for ADIB credit card charges and monthly dues can be made via cash or cheque at any of the available ADIB cash deposit machines in the UAE. In case the cardholder makes a payment via cheque, they ought to ensure that they have mentioned the account number on the backside of the cheque. The full list of CDMs can be found online.
Telephone Banking – Telephone banking is another ADIB credit card payment option, which can be initiated by contacting the ADIB helpline number.
Mobile Banking – The card member can use the convenient and secure ADIB mobile app to access banking details, transfer funds and more.
SMS Banking – While SMS banking cannot be used to make ADIB credit card payments, it is an extremely helpful way to track account balance. The cardholder can simply text ‘BAL’ to the dedicated number for account balance inquiries.
The primary member of an ADIB credit card can request for the cancellation of their card by submitting a written request to ADIB.
The cancellation process will be deemed to be complete only after:
1. All primary and supplementary ADIB credit cards have been
2. The outstanding amount has been paid in full by the
3. There should be a confirmation that no pending transactions have been made within 45 days of the cancel
The reasons to pick an ADIB credit card are countless. Here are some of the best reasons why one should opt for ADIB credit cards:
Sharia Compliance – The ADIB credit card allows you to bank in a way that is sharia-compliant. ADIB credit cards have no interest rates and offer a variety of charitable giving opportunities. The Business Covered ADIB credit card provides corporate cardholders in the UAE with a first-of-its-kind purchasing capacity.
Lucrative Balance Transfer – Rather than paying high fees and charges on overdue balance, tons of UAE residents opt for a 0% profit rate balance transfer that an ADIB credit card offers. These balance transfers fall into two categories:
1. The option to transfer up to 50% of the ADIB credit card credit limit at 0% profit rate and a tenor of 12 months.
2. The option to transfer 100% of the ADIB credit card limit at 0% profit rate and a tenor of 3 months.
Online Transaction Security – Every ADIB credit card offers the cardholder the opportunity to set up a WebSecure This pin is personal to the cardholder and provides an added layer of security for all online transactions. Details of the WebSecure program for ADIB credit card online purchases can be found online.
ADIB Credit Card Payment Options – ADIB offers a wide range of credit card payment alternatives, including online, mobile, telephonic, CDM, and more. Major payment networks like as Visa and MasterCard have further verified these platforms, giving them a high level of legitimacy and security.
UAE Football – With the unique Football ADIB credit card, cardholders may show their support for their favorite UAE football team. The ADIB credit card not only comes with a customised card with the team’s name on it, but it also donates 20% of the card’s yearly cost to the chosen charity. Furthermore, the cardholder receives 1% reward on all purchases made with the card.
Great Discounts – There is an ADIB credit card for anything a credit card application wants, whether it’s talk time, dining, sports, hotel booking, travel discounts, air miles, or cash back. While each ADIB credit card comes with its unique set of privileges and incentives, the ADIB Visa Platinum card allows the cardholder global Visa access.
