ADIB Exceed
ADIB Exceed is a UAE Islamic covered card with ADIB Exceed Rewards rewards. Its minimum salary is unconfirmed; ask the issuer. The listed annual fee is AED 103.95. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 2.2/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Official product sources linked
- + 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
- AED 103.95
- Bank FX charge
- 2.415%; scheme fees may apply
- Monthly profit rate
- 3.75%
- Reward programme
- ADIB Exceed Rewards
- Salary transfer required
- No published requirement
Annual fee is payable from year one; no first-year waiver established.
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 |
|---|---|---|---|
| Eligible UAE retail | 0.5 Exceed Rewards per AED 100 | Confirm product-specific eligible-spend and credit-limit rules | Specific merchants earn0.125. |
| Eligible non-EEA international retail | 1 Exceed Reward per AED 100 equivalent | Confirm product-specific eligible-spend and credit-limit rules | Exact non-Platinum Visa product rate; do not copy1.5 from Platinum or programme hub. |
| EEA and specific merchant spend | 0.125 Exceed Reward per AED 100 | 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 Exceed Visa Covered Card
ADIB Exceed Visa Covered Card
Dirham Score 2.2/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Official product sources linked
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
Annual fee is payable from year one; no first-year waiver established.
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 Exceed Visa 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. · No complimentary lounge entitlement published for this Visa variant.
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.
Exceed Visa is distinct from Exceed Visa Platinum. The current tariff marks Platinum discontinued for new customers; only non-Platinum Visa is proposed as available.
Redemption through ADIB app for utility bills, vouchers, flights and more; no fixed AED redemption valuation established in the reviewed product page.
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: No complimentary lounge entitlement published for this Visa variant.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Exceed Visa is distinct from Exceed Visa Platinum. The current tariff marks Platinum discontinued for new customers; only non-Platinum Visa is proposed as available.
- Redemption through ADIB app for utility bills, vouchers, flights and more; no fixed AED redemption valuation established in the reviewed product page.
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 Exceed Visa Covered Card with Emirates Islamic Switch Cashback CardADIB Cashback Visa Covered Card
ADIB · minimum salary Confirm with bank
Compare ADIB Exceed Visa Covered Card with ADIB Cashback Visa Covered CardCBD Al Islami Super Saver Visa Signature Credit Card
CBD · minimum salary Confirm with bank
Compare ADIB Exceed Visa Covered Card with CBD Al Islami Super Saver Visa Signature Credit CardADIB Exceed FAQs
What salary do you need for ADIB Exceed?
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 Exceed?
The listed annual fee is AED 103.95. Annual fee is payable from year one; no first-year waiver established.
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 Exceed Visa Covered Card official product terms
- ADIB: Official product page
- ADIB: ADIB covered cards schedule of charges
- ADIB: ADIB covered cards KFS
- ADIB Exceed 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.