ADIB credit cards
Abu Dhabi Islamic Bank P.J.S.C is licensed by the Central Bank of the UAE. Its credit card terms as published on 12 November 2026: fixed monthly profit rate 3.75% on its covered cards.
Abu Dhabi Islamic Bank P.J.S.C is on the Central Bank of the UAE’s register as a national bank licensed for islamic retail banking in Abu Dhabi.1 The figures below are quoted from its own published documents and include VAT where the bank says so.
What does a ADIB credit card cost you?
| Charge | What the bank publishes |
|---|---|
| Monthly profit rate | 3.75%, fixed (45.63% a year, worked out as the monthly rate divided by 30, times 365) |
| Annual fee | Free for life on the Smiles Visa Classic card; AED 99 to AED 4,500 plus 5% VAT on other cards |
| Minimum payment | Any instalment due plus 5% of the used cover amount, at least AED 100 |
| Late payment | AED 100 donation commitment to charity if no payment is made by the cycle date; ADIB keeps part of it towards collection costs |
| Cash withdrawal fee | 3% of the amount, at least AED 99, plus 5% VAT |
| Card replacement | AED 75 plus 5% VAT |
| Liability or no liability letter | AED 50 plus 5% VAT |
| How the card is funded | A cover limit from your own money or from a commodity Murabaha sale, held in a short-term investment account; Murabaha profit paid monthly over 10 years |
The figures come from Covered Cards, Key Facts Statement (Undated) and ADIB Smiles Visa Classic Card (Card page).23
ADIB calls its cards covered cards. Profit earned in the short-term investment account, and any bonus ADIB grants, is credited to your card account each month and may waive part or all of the monthly Murabaha profit instalment.2
What salary do you need for a ADIB card?
Central Bank rules allow a card only for an annual income of at least AED 60,000, or against a pledged deposit of at least AED 60,000.4 ADIB publishes these minimums:3
| Card | Minimum monthly salary |
|---|---|
| ADIB Smiles Visa Classic Card | AED 5,000 |
How do you complain to ADIB?
Use the bank’s official complaint channel and keep the reference number. Under Central Bank rules ADIB must acknowledge your complaint within 2 business days and send a final written answer within 30 business days.5 If you are not satisfied after 15 calendar days, you can go to Sanadak. The steps are in how to complain about your bank.
Read the bank’s key facts statement for your card before you sign, and compare its rate in the interest calculator.
Sources
5
1Central Bank of the UAE, CB Register as of June 2025. Last checked 12 Nov 2026. Source document: CB Register as of June 2025
2Abu Dhabi Islamic Bank, Covered Cards, Key Facts Statement, Undated. Last checked 12 Nov 2026. Source document: Covered Cards, Key Facts Statement
3Abu Dhabi Islamic Bank, ADIB Smiles Visa Classic Card, Card page. Last checked 12 Nov 2026. Source document: ADIB Smiles Visa Classic Card
4Central Bank of the UAE, Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards. Effective 23 Mar 2011. Last checked 12 Nov 2026. Source document: Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards
5Central Bank of the UAE, Consumer Protection Standards, Notice 1158/2021, in force. Last checked 12 Nov 2026. Source document: Consumer Protection Standards
- Owner
- Comparecreditcards.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published