ADIB Cashback Covered Credit Card
Earn up to 4% cashback on daily spend categories!
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ADIB Cashback Covered Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Rewards
4%
on supermarket & grocery, fuel & automobile, and school/education spends
maximum of AED 300 per category per month
4%
on dining & restaurant spends
maximum of AED 200 per month
4%
on utility payments
maximum of AED 100 per month
1,000AED
maximum monthly cashback cap
Rewards Calculator
July Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
Additional Benefits
Free Roadside Assistance
once a year
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
99AED
Covered Card Annual Fee
99AED
5th Supplementary Card Annual Fee
Entitled to four Free Supplementary Cards until further notice. Annual fees will be applied on the 5th supplementary card and onwards.
3.75%
Monthly Profit Rate
ATM Cash Withdrawal Fee3%*
*3% minimum AED 99 - Includes cash withdrawal at ATMs, Exchange Houses or similar, transfer of the original cover of the Card to any ADIB Account
Card Replacement FeeAED 75*
*For damaged Cards, no fee shall be applicable if the Cardholder delivers the damaged Card to the branch
Minimum Monthly Payment5%*
*5% minimum AED 100
Temporary Increase Limit FeeAED 50
Non-AED Transaction Service Fee2.3%*
*Added to the Non-AED transactions' wholesale foreign exchange market spot rate that is selected and applied by Visa/MasterCard
AED International Transaction Service Fee1.99%*
*For transactions that take place outside the UAE where the Cardholder pays the merchant in AED
Other credit cards from this bank
ABU DHABI ISLAMIC BANK (ADIB)
ADIB SHARE Infinite Credit Card
Salary: AED 5,000+
Annual Fee: AED 999
Welcome bonus: 10,000 SHARE Points
12% back in SHARE Points for the first 3 months
6% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
ABU DHABI ISLAMIC BANK (ADIB)
ADIB SHARE Visa Platinum Card
Salary: AED 5,000+
Annual Fee: AED 199
Welcome bonus: 2,000 SHARE Points
6% back in SHARE Points for the first 3 months
3% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
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