ADIB Aldar Visa Platinum
ADIB Aldar Visa Platinum is a UAE Islamic covered card with Darna Points rewards. Its minimum salary is unconfirmed; ask the issuer. Confirm the annual fee with the bank. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 2.5/535% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
Explore all ADIB cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- Confirm with bank
- Bank FX charge
- 2.415%; scheme fees may apply
- Monthly profit rate
- 3.75%
- Reward programme
- Darna Points
- Salary transfer required
- No published requirement
Fee conflict: current tariff lists AED 99 plus VAT (AED 103.95), while the product page says AED 199 before VAT. Confirm the fee in your issued terms; no net-value estimate is shown.
The reviewed official product pages do not establish a numeric salary floor. Confirm salary, employer and underwriting criteria with ADIB. A salary transfer is not established as mandatory.
Terms checked against official ADIB product pages, the covered-card tariff and KFS. Bank FX component is 2.3% plus 5% VAT (2.415%); scheme fees and conversion still apply.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Aldar malls and hospitality | 6% value back in Darna Points | Confirm product-specific eligible-spend and credit-limit rules | Eligible Aldar destinations; points are restricted rewards. |
| Aldar education and properties | 1% value back in Darna Points | Confirm product-specific eligible-spend and credit-limit rules | Product names Aldar Education and Aldar Properties separately from reduced-rate generic education/real-estate merchants. |
| Other eligible UAE retail | 1% value back in Darna Points | Confirm product-specific eligible-spend and credit-limit rules | Excludes specific merchant categories. |
| Eligible non-EEA international spend | 1.5% value back in Darna Points | Confirm product-specific eligible-spend and credit-limit rules | EEA rate is lower. |
| EEA spend | 0.25% value back in Darna Points | Confirm product-specific eligible-spend and credit-limit rules | Visa EEA merchant classification. |
| Specific merchants | 0.25% value back in Darna Points | Confirm product-specific eligible-spend and credit-limit rules | Specific merchants include supermarkets, government, utilities, education, petrol, real estate, transport, tolls and charity. EEA follows Visa merchant classification. |
Why this card has no annual AED forecast
Published earning rates are shown separately. No annual forecast is made until product-specific caps, redemption and spend qualifications are fully represented.
Published earning rates, known fees and bank conditions remain available in this review.
Check ADIB's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
Published earning rates are shown separately. No annual forecast is made until product-specific caps, redemption and spend qualifications are fully represented.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for ADIB Aldar Visa Platinum Covered Card
ADIB Aldar Visa Platinum Covered Card
Dirham Score 2.5/535% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
Fee conflict: current tariff lists AED 99 plus VAT (AED 103.95), while the product page says AED 199 before VAT. Confirm the fee in your issued terms; no net-value estimate is shown.
The reviewed official product pages do not establish a numeric salary floor. Confirm salary, employer and underwriting criteria with ADIB. A salary transfer is not established as mandatory.
View breakdown
Published earning rates are shown separately. No annual forecast is made until product-specific caps, redemption and spend qualifications are fully represented.
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Aldar Visa Platinum Covered Card review and fee maths
Terms checked against official ADIB product pages, the covered-card tariff and KFS. Bank FX component is 2.3% plus 5% VAT (2.415%); scheme fees and conversion still apply.
No cinema benefit verified. · Up to 4 visits annually for the cardholder through Visa Airport Companion; current programme rules apply.
Monthly profit rate: 3.75%. Bank FX charge: 2.415%.
Published earning rates are shown separately. No annual forecast is made until product-specific caps, redemption and spend qualifications are fully represented.
ADIB Darna value differs from the Emirates NBD Darna programme: 20,000 ADIB Darna Points = AED 1,000, or AED 0.05 per point.
Sign-up points require activation and a first retail purchase within 30 days.
Renewal fee reversal from year two: AED 15,000 non-AED or AED 45,000 total eligible prior-year spending. Product and tariff disagree on the annual fee.
Published welcome reward: 4,000 Darna Points worth AED 200; excluded from forecasts because activation, first retail purchase and fee-payment conditions cannot be assumed from a monthly budget.
Official bank source · checked 2026-10-24ADIB covered cards schedule of charges
Exact variant artwork from ADIB current card catalogue. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Up to 4 visits annually for the cardholder through Visa Airport Companion; current programme rules apply.
- Cinema: No current offer verified
- Valet: 1 published visits per month
- Golf: No published benefit verified
Exclusions and important product notes
- ADIB Darna value differs from the Emirates NBD Darna programme: 20,000 ADIB Darna Points = AED 1,000, or AED 0.05 per point.
- Sign-up points require activation and a first retail purchase within 30 days.
- Renewal fee reversal from year two: AED 15,000 non-AED or AED 45,000 total eligible prior-year spending. Product and tariff disagree on the annual fee.
- Published welcome reward: 4,000 Darna Points worth AED 200; excluded from forecasts because activation, first retail purchase and fee-payment conditions cannot be assumed from a monthly budget.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Emirates Islamic Switch Cashback Card
Emirates Islamic · minimum salary Confirm with bank
Compare ADIB Aldar Visa Platinum Covered Card with Emirates Islamic Switch Cashback CardADIB Cashback Visa Covered Card
ADIB · minimum salary Confirm with bank
Compare ADIB Aldar Visa Platinum Covered Card with ADIB Cashback Visa Covered CardCBD Al Islami Super Saver Visa Signature Credit Card
CBD · minimum salary Confirm with bank
Compare ADIB Aldar Visa Platinum Covered Card with CBD Al Islami Super Saver Visa Signature Credit CardADIB Aldar Visa Platinum FAQs
What salary do you need for ADIB Aldar Visa Platinum?
A current minimum monthly salary is not confirmed in this record. Ask the bank before applying; salary alone never guarantees approval.
What is the annual fee for ADIB Aldar Visa Platinum?
The annual fee is not confirmed in this record. Check the official tariff and any joining or recurring plan charges before applying.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- ADIB Aldar Visa Platinum Covered Card official product terms
- ADIB: Official product page
- ADIB: ADIB covered cards schedule of charges
- ADIB: ADIB covered cards KFS
- ADIB Aldar Visa Platinum 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.