ADIB – Value + Card
Min. Salary 5,000 AED
Rate 3.09%
Annual Fee 0 AED
CashBack No
Balance transfer Yes
FX Rate 3%


  • Get rewarded for your local and international spend
  • Access to airport lounges across the GCC
  • Get facilities such as 24/7 emergency roadside assistance
  • Get up to 25% discount on select dining outlets across the UAE


• Dining Privileges


  • This is an Islamic card.
  • There is no annual fee on this Card.
  • Free grace period up to 55 days to repay your outstanding balance. Profit rate is 3.09% per month.
  • No cashback is rewarded for this card
  • A Balance transfer fee of 3% or AED 300 will apply;No profit for the first 12 months
  • The foreign currency rate applicable on overseas transactions is 3%
  • For salary transfer customers, the minimum salary requirement is AED 5,000 per month. For non salary transfer customers, the minimum salary requirement is AED 8,000. This is subject to the bank’s approval. Terms & conditions apply.
  • ADIB Reward Points can be redeemed for airline tickets.

Earn 1 reward point for 1 AED on domestic spend & 2 reward points for every 1 AED on international spend. Redeem reward points for flight tickets or shopping mall vouchers. Redeem 10,000 points for AED 50 and 100,000  for AED 1000.