Abu Dhabi Islamic Bank
    Updated January 2026

    Best ADIB Credit Cards in UAE 2026

    Abu Dhabi Islamic Bank (ADIB) is one of the leading Islamic financial institutions in the world, established in 1997. With a commitment to Sharia-compliant banking principles, ADIB has become a trusted name for customers seeking ethical financial products in the UAE.

    ADIB offers an impressive range of 10 credit cards covering Etihad Guest miles, Emirates Skywards miles, Smiles rewards, cashback, and travel benefits. Their partnerships with major airlines and the popular Smiles program provide excellent earning opportunities for every lifestyle.

    We have curated the 5 best ADIB credit cards representing the top Sharia-compliant options for different spending patterns.

    Find Your Perfect Card

    Quick Comparison

    CardAnnual FeeMin SalaryKey Benefit
    Abu Dhabi Islamic Bank - ADIB Cashback Visa Covered CardAED 99AED 0AED 1K Cashback Cap
    ADIB - Smiles Classic CardFreeAED 5,00010K Smiles Bonus
    ADIB - Booking.com Signature CardAED 299AED 15,0005% Flight Cashback
    ADIB - Etihad Guest Gold CardAED 1000AED 5,000100K Etihad Miles
    Abu Dhabi Islamic Bank - ADIB Emirates Skywards Visa Signature CardAED 1500AED 0Unlimited Lounges

    Featured Cards

    1
    Abu Dhabi Islamic Bank
    Islamic

    Abu Dhabi Islamic Bank - ADIB Cashback Visa Covered Card

    4% on groceries, fuel, education, dining, utilities | AED 1,000 monthly cap

    Abu Dhabi Islamic Bank - ADIB Cashback Visa Covered Card

    Annual Fee

    AED 99

    Min Salary

    AED 0

    Type

    Cashback

    Key Features:

    AED 1K Cashback Cap - Maximum monthly cashback cap of AED 1,000 per month
    4% Fuel Cashback - 4% cashback on all Fuel and Automobile spends (maximum AED 300 per month)
    4% Grocery Cashback - 4% cashback on all Supermarket and Grocery spends (maximum AED 300 per month)
    4% Education - 4% cashback on all School and Education payments (maximum AED 300 per month)
    4% Dining Cashback - 4% cashback on all Dining and Restaurant spends (maximum AED 200 per month)
    4% Utility Cashback - 4% cashback on all Utility payments (maximum AED 100 per month)
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    2
    Abu Dhabi Islamic Bank

    ADIB - Smiles Classic Card

    4 Smiles/AED 5 base | 12 Smiles/AED 5 on Smiles App, 6 Smiles/AED 5 Intl

    ADIB - Smiles Classic Card

    Annual Fee

    Free for Life

    Min Salary

    AED 5,000

    Type

    Points

    Key Features:

    10K Smiles Bonus - 10,000 Smiles points as quarterly bonus subject to meeting the spend criteria of AED 25K each quarter.
    5K Smiles Bonus - 5,000 Smiles points upon sign up!*
    12 Smiles/AED 5 - 12 Smiles points on per AED 5 spent on Smiles App
    6 Smiles/AED 5 Intl - 6 Smiles points per AED 5 spent internationally
    4 Smiles/AED 5 - 4 Smiles points per AED 5 spent locally in the UAE
    1 Point per AED 5 - 1 Smiles point per AED 5 spent on Specific Merchants**
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    3
    Abu Dhabi Islamic Bank

    ADIB - Booking.com Signature Card

    5% flights, 4% fuel

    ADIB - Booking.com Signature Card

    Annual Fee

    AED 299

    Min Salary

    AED 15,000

    Type

    Cashback

    Key Features:

    5% Flight Cashback - Enjoy a 5% cashback on your flight bookings when using the ADIB - Booking.com Signature Card.
    No 1st Year Fee - No annual fees (for the 1st year). Next year annual fee waived on annual spend of AED 30,000
    Free Lounge Access - Complimentary Global VIP Airport Lounge Access
    4% Fuel Cashback - Enjoy 4% cashback on all your fuel purchases with the ADIB - Booking.com Signature Card.
    Redeem Points Anywhere - Freedom to redeem points on any airline, any hotels anywhere
    Dining Offers - Enjoy exclusive discounts and promotions at a variety of top dining establishments.
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    4
    Abu Dhabi Islamic Bank
    Islamic

    ADIB - Etihad Guest Gold Card

    1 mile/AED 3 | Up to 100,000 bonus miles

    ADIB - Etihad Guest Gold Card

    Annual Fee

    AED 1000

    Min Salary

    AED 5,000

    Type

    Miles

    Key Features:

    100K Etihad Miles - Earn DOUBLE Etihad Guest Miles get up to 100,000 Etihad Guest Miles the first time you use your new card
    35K Etihad Bonus - Welcome bonus of 35,000 Etihad Guest Miles - earn up to 1.5 Etihad Guest Miles for every AED 4 spent (to a maximum of 100,000 Miles per month
    Free Lounge Access - Free Airport LoungeKey access to 850+ VIP airport lounges worldwide
    Fast Track Silver Tier - Enjoy a fast track to Etihad Guest Silver Tier status with your ADIB Etihad Guest Gold Card.
    Free Companion Ticket - Free Companion Ticket Voucher when you spend AED 150,000 or more
    1 Mile per AED 3 - Earn 1 Etihad Guest Mile and 1 Tier Mile for every AED 3 you spend across Etihad Guest “miles on the go”
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    5
    Abu Dhabi Islamic Bank
    Islamic

    Abu Dhabi Islamic Bank - ADIB Emirates Skywards Visa Signature Card

    1 mile/AED 3.68 base | 2.5 miles/AED 3.68 on Emirates, 1.5 miles/AED 3.68 on foreign currency

    Abu Dhabi Islamic Bank - ADIB Emirates Skywards Visa Signature Card

    Annual Fee

    AED 1500

    Min Salary

    AED 0

    Type

    Miles

    Key Features:

    Unlimited Lounges - Unlimited global airport lounge access via Visa Airport Companion App
    25K Skywards Bonus - Up to 25,000 welcome bonus Skywards Miles on first spend subject to meeting required spend threshold (must activate and complete first retail transaction within 30 days of card issuance)
    Travel Insurance - Travel inconvenience cover including baggage loss/damage up to USD 3,000, baggage delay USD 500, trip delay/missed departure USD 500, trip curtailment/cancellation up to USD 7,500 (provided by Visa)
    1.5 Skywards Miles - Earn 1.5 Skywards Miles per AED 3.68 spent on foreign currency transactions
    Skywards Silver Upgrad - Emirates Skywards Silver membership upgrade from card issuance date for first year (spend USD 2,500 or equivalent in AED on Emirates Airlines within 12 months required for renewal each year)
    2.5 Miles per AED 3.68 - Earn 2.5 Skywards Miles per AED 3.68 spent on Emirates and Flydubai purchases
    View Full Details

    Frequently Asked Questions

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    Find the best credit cards for your needs:

    Cashback

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    No Fee

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    Flexible

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