The ADIB Cashback Visa Covered Card is an Islamic card from ADIB that gives 4% cashback on five everyday spending categories.
Before you apply, it helps to know the fees, the income requirement, and how the cashback caps work.
What are the benefits of Abu Dhabi Islamic Bank?
Abu Dhabi Islamic Bank (ADIB) is a UAE bank that offers Sharia-compliant banking products.
Its covered cards are reviewed by the bank’s Internal Sharia Supervisory Committee and can be managed in the ADIB Mobile Banking app.
How does this credit card work?
You earn 4% cashback on groceries, fuel, school fees, dining, and utilities, up to AED 1,000 per month in total. You have up to 55 days to repay. If you don’t pay the full balance, a monthly profit rate of 3.75% applies.
The minimum payment is 5% of the balance, with a minimum of AED 100.
Requirements to apply for this credit card
- Minimum age of 18
- Minimum monthly income of AED 5,000
- Valid Emirates ID and passport
- Salary certificate (issued within 30 days) and bank statements for the last 3 months
متطلبات التقديم للحصول على هذه البطاقة الائتمانية
- ألا يقل العمر عن 18 عاماً.
- الحد الأدنى للدخل الشهري: 5,000 درهم.
- بطاقة هوية إماراتية سارية وجواز سفر.
- شهادة راتب (صادرة خلال 30 يوماً) وكشوف حساب بنكية لآخر 3 أشهر.
Card fees
- Annual fee: AED 99
- Donation commitment to charity (late payment): AED 100
- Foreign transaction fee: 2.3% on non-AED transactions
رسوم البطاقة
- الرسوم السنوية: 99 درهماً.
- مبلغ الالتزام بالتبرع للأعمال الخيرية (عند التأخر في السداد): 100 درهم.
- رسوم المعاملات الأجنبية: 2.3% على المعاملات بغير الدرهم.
Apply for your card online
- Access the official website
- Fill in the credit card application form
- Upload your documents
- Wait for bank review and contact
Apply for credit card
Compare your monthly spending in the cashback categories with each cap before you apply.
Paying only the minimum amount means paying more in profit and taking longer to clear the balance.
Disclaimer
This content is for informational purposes only and is not issued or endorsed by Abu Dhabi Islamic Bank (ADIB). All terms, rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط، ولم يتم إصداره أو اعتماده من قبل مصرف أبوظبي الإسلامي (ADIB). تخضع جميع الشروط والأسعار والرسوم للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان المعلومات الأساسية للحصول على أدق المعلومات وأحدثها.