Current Account
Qard current account; salary prizes are not cash guarantees
Published salary minimum: AED 5,000
Account source reviewed 2026-10-22.
ADIB UAE Credit Cards and Bank Accounts
Explore 3 current card products and 1 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.
ADIB accounts and salary options
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
Sharia-compliant
ADIBISLAMIC CASHBACK
ADIB Cashback Visa Covered Card
Dirham Score 3.1/590% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Official product sources linked
- + Sharia-compliant product
- − Annual fee AED 103.95
- − Salary minimum needs bank confirmation
Annual fee AED 103.95
ESTIMATED FIRST-YEAR VALUE
AED 3,496
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 3,600
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 103.95
Actual modelled netAED 3,496.05
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Cashback Visa Covered Card review and fee maths
No cinema benefit verified. · No complimentary access verified
Monthly profit rate: 3.75%. Bank FX charge: 2.415%.
Annual fee AED 99 plus 5% VAT = AED 103.95.
No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.
Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.
Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.
Official bank source · checked 2026-10-18Official product-specific reward terms
Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source
LIMITED-TIME BOOSTUp to 150,000 additional Etihad Guest milesEnds 31 Dec · Terms need confirmation
Sharia-compliant
ADIBBANK-SOURCED
ADIB Etihad Guest Visa Platinum Covered Card
Dirham Score 2.7/590% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Annual fee AED 2,100
A current product-specific salary minimum was not published in the checked official sources. Excluded from salary-filtered results; bank assessment remains necessary.
ESTIMATED FIRST-YEAR VALUE
AED 180
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,280
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 2,100
Actual modelled netAED 180
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Etihad Guest Visa Platinum Covered Card review and fee maths
2.2 Etihad Guest miles per AED 4 local retail and 3 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.
No cinema benefit verified. · Four annual visits via Visa Airport Companion from 1 October 2026; app registration and current qualifying conditions apply.
Valet: Selected UAE valet locations; confirm current allowance.
Monthly profit rate: 3.75%. Bank FX charge: 2.415%.
Verified standard non-self-funded welcome: 50,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 150,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Non-self-funded annual fee includes VAT: AED 2,000 + 100 = 2,100. Self-funded Platinum pricing/earning differs.
Local retail earns 2.2 miles per AED 4; non-AED retail outside the EEA earns 3 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.
Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.
Verified standard non-self-funded welcome: 50,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 150,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
Official bank source · checked 2026-10-18Official reward and welcome terms
Official lounge/provider notices
Current Sharia-compliant covered card; title and product copy retain Visa Platinum while the page heading shortens it to ADIB Etihad Guest Platinum Card. Transparent tilted card with shadow; VISA Platinum is visible. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 150,000 additional Etihad Guest milesOfficial product page advertises the July–December 2026 campaign; the linked campaign terms redirect to the bank’s 404 page.
Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)
- Headline is additional to standard welcome and normal earning; do not double count.
- Confirm complete acquisition/spend/activation/fee milestones directly with ADIB because the linked campaign PDF is unavailable.
Qualifying extra bonus in this forecast: AED 0.
Product-page headline is confirmed; qualifying campaign terms are not retrievable, so no campaign miles or cash-equivalent value are included.
Official offer termsLIMITED-TIME BOOSTUp to 225,000 additional Etihad Guest milesEnds 31 Dec · Terms need confirmation
Sharia-compliant
ADIBBANK-SOURCED
ADIB Etihad Guest Visa Infinite Covered Card
Dirham Score 2.6/590% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Annual fee AED 3,150
A current product-specific salary minimum was not published in the checked official sources. Excluded from salary-filtered results; bank assessment remains necessary.
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,475
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 3,150
Actual modelled netAED -675
Costs exceed estimated rewards; headline is floored at zero.
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Etihad Guest Visa Infinite Covered Card review and fee maths
2.5 Etihad Guest miles per AED 4 local retail and 3.5 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.
No cinema benefit verified. · Unlimited lounge access for cardholder and one guest via Visa Airport Companion; app registration and current qualifying conditions apply.
Valet: Four visits monthly through Valtrans at selected UAE locations.
Monthly profit rate: 3.75%. Bank FX charge: 2.415%.
Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Non-self-funded annual fee includes VAT: AED 3,000 + 150 = 3,150. Self-funded Platinum pricing/earning differs.
Local retail earns 2.5 miles per AED 4; non-AED retail outside the EEA earns 3.5 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.
Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.
Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
Official bank source · checked 2026-10-18Official reward and welcome terms
Official lounge/provider notices
Current consumer covered card with active Apply Now on the official product page. Separate product selected as replacement for Dana, not a Dana rename. Transparent tilted black card with shadow; VISA Infinite is visible. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 225,000 additional Etihad Guest milesOfficial product page advertises the July–December 2026 campaign; the linked campaign terms redirect to the bank’s 404 page.
Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)
- Headline is additional to standard welcome and normal earning; do not double count.
- Confirm complete acquisition/spend/activation/fee milestones directly with ADIB because the linked campaign PDF is unavailable.
Qualifying extra bonus in this forecast: AED 0.
Product-page headline is confirmed; qualifying campaign terms are not retrievable, so no campaign miles or cash-equivalent value are included.
Official offer termsFirst-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Read the bank’s terms before applying
The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.
Compare salary-transfer commitments and offers