ADIB Cashback Visa Covered Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
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
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 103.95
- Bank FX charge
- 2.415%; scheme fees may apply
- Monthly profit rate
- 3.75%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
Base earning: 0 % cashback.
Monthly spend gate: See issuer conditions. Monthly reward cap: AED 1,000. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 4 % cashback | AED 300 | 0 |
| Dining | 4 % cashback | AED 200 | 0 |
| Fuel | 4 % cashback | AED 300 | 0 |
| School Fees | 4 % cashback | AED 300 | 0 |
| Utilities | 4 % cashback | AED 100 | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 3,496 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
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
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
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
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary access verified
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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 sources and application information
- ADIB Cashback Visa Covered Card official product terms
- ADIB: Official product-specific reward terms
- ADIB: Official card key facts
- ADIB: Official card comparison
- ADIB: Official current card fees
- ADIB: Official notices
- ADIB Cashback Visa Covered Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.