- Joining Fee
- Free
- Annual Fee
- AED 1,048.95
- Minimum Salary
- AED 5,000
ADIB SHARE Infinite Credit Card
Earn up to 6% back in SHARE Points at Carrefour and Majid Al Futtaim destinations, plus airport lounge access and valet parking.
Updated Feb 2026
≈ AED 22,636 potential value / year · incl. perks
Welcome offer
10,000 SHARE Points
Worth AED 1,000, credited within 60 days of your first annual fee payment.
New ADIB SHARE Infinite Credit Card holders receive 10,000 SHARE Points (AED 1,000 value at 10 SHARE Points = AED 1) credited to their account within 60 days of paying the first annual fee.
See full breakdownRewards
0.6SHARE Points
per AED 1 at Carrefour and Majid Al Futtaim destinations.
Earn 0.6 SHARE Points for every AED 1 spent at Carrefour and across 5,000+ Majid Al Futtaim destinations in the UAE (malls, VOX Cinemas and other MAF venues).
See full breakdown0.2SHARE Points
per AED 1 on all other purchases.
Earn 0.2 SHARE Points for every AED 1 spent on purchases outside the Carrefour/Majid Al Futtaim partner rate and the reduced-rate category list.
0.05SHARE Points
per AED 1 on fuel, transport, government, utilities, education, telecom and grocery.
These categories earn a reduced 0.05 SHARE Points for every AED 1 spent.
Rewards Calculator
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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
- 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
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Airport lounge access
Complimentary for cardholder plus 1 guest at 1,000+ lounges in 300+ cities.
No minimum spend requiredAccess 1,000+ participating airport lounges in 300+ cities worldwide for the cardholder and one guest via the Visa Airport Companion app. ADIB does not publish a per-visit or annual limit for this benefit.
See full breakdownValet parking
4 complimentary sessions per month via Valtrans.
No minimum spend requiredEnjoy up to 4 complimentary valet parking sessions per month via Valtrans at key locations across the UAE.
See full breakdownRoadside assistance
3 complimentary call-outs per year.
Up to 3 complimentary roadside assistance call-outs annually, covering towing, jump-start, lockout and fuel delivery.
See full breakdown24-hour concierge
Personal travel assistant service via Visa.
Complimentary 24-hour personal travel assistant concierge service, provided through Visa.
See full breakdownOptional Takaful insurance
Covers involuntary unemployment, critical illness and disability.
Optional Takaful insurance covering involuntary unemployment, critical illness and disability, at a premium of 0.77 fils per AED 100 of cover amount. Enrolment is optional and subject to the scheme's terms.
See full breakdownFees
1,048.95AED
Annual Fee
AED 1,048.95 in year 1. Waived from year 2 onwards if prior-year international spend was AED 30,000+ or total annual spend was AED 75,000+.
Free
Supplementary Card
Free for the first 4 supplementary cards; AED 999 each from the 5th card onwards.
3.75%
Monthly Profit Rate
3.75% per month (45.63% APR equivalent) under the Islamic Murabaha structure. 55-day grace period from the transaction date.
Minimum Payment5%*
*5% of the outstanding balance, minimum AED 100.
ATM / Cash Withdrawal3%*
*3% of the withdrawal amount, minimum AED 99. The Schedule of Charges lists no separate cash-advance fee.
Foreign Transaction (non-AED)2.3%*
*2.3% of the transaction amount for non-AED foreign currency spend.
Foreign Transaction (AED International)1.99%*
*1.99% on transactions where the merchant is charged in AED but processed internationally.
Card ReplacementAED 75*
*Waived if the damaged card is returned to an ADIB branch.
Late PaymentAED 100*
*Charitable donation commitment for late or missed payments, per the Islamic banking structure.
Temporary Limit IncreaseAED 50
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 ADIB SHARE Infinite Credit Card credit card
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