- Joining Fee
- AED 523.95
- Annual Fee
- AED 523.95
- Minimum Salary
- AED 5,000
Marriott Bonvoy ADIB Visa Signature Card
Earn 3 Marriott Bonvoy points per USD 1 at Marriott properties, with Silver Elite status and unlimited airport lounge access.
Updated Aug 2026
≈ AED 10,813 potential value / year · incl. perks · incl. welcome bonus
Welcome offer
50,000 Marriott Bonvoy points
Awarded as a sign-up bonus on the Signature card.
New Marriott Bonvoy ADIB Visa Signature cardholders receive 50,000 Marriott Bonvoy points. ADIB publishes no minimum-spend condition for the Signature welcome bonus.
See full breakdownRewards
3Marriott Bonvoy Points
per USD 1 spent at participating Marriott Bonvoy hotels.
Earn 3 Marriott Bonvoy points for every USD 1 (or equivalent) spent at hotels participating in Marriott Bonvoy, across 30+ brands and 9,100+ properties worldwide.
See full breakdown2Marriott Bonvoy Points
per USD 1 on international spend.
Earn 2 Marriott Bonvoy points per USD 1 spent internationally. Spend in European Economic Area currencies earns a reduced 1 point per USD 1, with merchant classification following prevailing Visa guidelines.
1.5Marriott Bonvoy Points
per USD 1 on local spend.
Earn 1.5 Marriott Bonvoy points per USD 1 (or equivalent) spent locally in the UAE.
0.25Marriott Bonvoy Points
per USD 1 at ADIB's specific-merchant categories.
Supermarkets, government services, utilities, education, service and petrol stations, real estate agents, public transport, road tolls and Salik, and charities or religious organisations earn a reduced 0.25 Marriott Bonvoy points per USD 1.
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Eligibility
21
Minimum Age
5,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
Existing UAE credit history
An active loan, mortgage or credit card held with a UAE bank may strengthen an ADIB application.
Not stated in ADIB's Key Facts Statement. An existing UAE credit relationship (personal loan, mortgage, auto finance or credit card) is sometimes cited informally as helpful for approval, but treat this as unconfirmed rather than a rule.
Debts under half your salary
Your total monthly loan and card payments must stay under 50% of your gross salary — 30% for pensioners.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Additional Benefits
Marriott Bonvoy Silver Elite status
Silver Elite on issuance, with a pathway to Gold at USD 15,000 annual spend.
Silver Elite carries 10% more points on stays, priority late checkout and free Wi-Fi. Spending USD 15,000 on the card in a year upgrades you to Gold Elite: 25% more points, enhanced room upgrades and 2pm late checkout.
See full breakdown10 Elite Night Credits
10 Elite Night Credits each calendar year.
Each calendar year the card contributes 10 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.
See full breakdown35,000 points on card anniversary
35,000 Marriott Bonvoy points when you pay the renewal annual fee.
Every card anniversary, on payment of the renewal annual fee, 35,000 Marriott Bonvoy points are credited to your account.
See full breakdownAirport lounge access
Unlimited visits for the cardholder at 1,000+ lounges worldwide.
Unlimited complimentary access for the cardholder to over 1,000 airport lounges across the globe via the Visa Airport Companion programme. Guests are not included on the Signature tier.
See full breakdownValet parking
2 complimentary sessions per month via Valtrans.
Up to 2 complimentary valet parking sessions per month through Valtrans at key locations across the UAE.
See full breakdownAirport transfers
2 complimentary transfers per year from anywhere in the UAE.
Two complimentary airport transfers per year, available from anywhere in the UAE.
See full breakdownOptional Takaful insurance
Covers involuntary unemployment, critical illness and disability.
Optional Takaful insurance covering involuntary unemployment, critical illness and disability, at a monthly contribution of 0.77 fils per AED 100 of utilised cover amount. Enrolment is optional and subject to the scheme's terms.
See full breakdownFees
523.95AED
Annual Fee
ADIB publishes no spend-based waiver for the Marriott Bonvoy cards.
Free
Supplementary Card
Free for the first 4 supplementary cards; AED 523.95 each from the 5th card onwards.
3.75%
Monthly Profit Rate
3.75% per month (45.63% APR equivalent) under the Islamic Murabaha structure. Grace period of up to 55 days.
Minimum Payment5%*
*5% of the outstanding balance, minimum AED 100.
ATM / Cash Withdrawal3%*
*3% of the withdrawal amount, minimum AED 99. Also applies to transfers of the card's cover to an ADIB account and to security broker/dealer transactions, none of which earn Marriott Bonvoy points.
International Transaction Fee (non-AED)2.3%*
*2.3% added to the Visa wholesale exchange rate on non-AED transactions.
Foreign Currency Transaction Fee (AED abroad)1.99%*
*1.99% on transactions made outside the UAE but charged in AED. ADIB's Schedule of Charges raises this to 2.75% for transactions processed on or after 10 September 2026.
Card ReplacementAED 75*
*Waived if the damaged card is returned to an ADIB branch.
Late PaymentAED 100*
*Charitable donation commitment applied when no payment is made by the cycle date, per the Islamic banking structure.
Liability CertificateAED 50
Statement CopyAED 45
Receipt CopyAED 25
Returned ChequeAED 100
Credit BureauAED 30
Excess Funds TransferAED 100
Frequently Asked Questions
Get answers to common questions about Marriott Bonvoy ADIB Visa Signature Card credit card
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