- Joining Fee
- Free
- Annual Fee
- AED 208.95
- Minimum Salary
- AED 5,000
ADIB SHARE Visa Platinum Card
Earn up to 3% back in SHARE Points at Carrefour and Majid Al Futtaim destinations, plus free valet parking.
Updated Aug 2026
≈ AED 11,100 potential value / year · incl. perks
Welcome offer
2,000 SHARE Points
Worth AED 200, credited within 60 days of your first annual fee payment.
Earn 2,000 SHARE Points (AED 200 at 10 SHARE Points = AED 1) on activation and your first retail transaction within 30 days of card issuance. Not applicable on card reissuance if already credited.
See full breakdownDouble SHARE Points for 90 Days
New applicants earn 6% (instead of 3%) at Carrefour and MAF venues for 90 days after card issuance.
For new applications submitted 15 May-31 Dec 2026 (issued by 15 Jan 2027): the Carrefour/Majid Al Futtaim rate doubles from 3% to 6% in SHARE Points for 90 days after issuance. Other spend is unaffected.
See full breakdownRewards
0.3SHARE Points
per AED 1 at Carrefour and Majid Al Futtaim destinations.
Earn 0.3 SHARE Points for every AED 1 spent at Carrefour (in-store and online) and across Majid Al Futtaim destinations (Mall of the Emirates, City Centre malls, Ski Dubai, Magic Planet).
See full breakdown0.125SHARE Points
per AED 1 on local and most international spend.
Earn 0.125 SHARE Points for every AED 1 on other UAE spend and international purchases, except EEA-region transactions which earn 0.025 points per AED 1 (0.25%).
0.025SHARE Points
per AED 1 on grocery, fuel, government, utilities, education and telecom.
A reduced 0.025 SHARE Points per AED 1 applies to supermarkets/grocery, fuel, government services, utilities, education and telecom spend. No cap is disclosed on any category rate.
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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
Valet parking
1 complimentary session per month via Valtrans.
No minimum spend requiredEnjoy 1 complimentary valet parking session per month via Valtrans at select UAE locations.
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 utilized. Enrolment is optional.
See full breakdownFees
208.95AED
Annual Fee
Waived from year 2 onwards if prior-year non-AED spend was AED 15,000+ or total spend was AED 45,000+.
208.95AED
Supplementary Card
Applies from the 5th supplementary card onwards, per the Schedule of Charges.
3.75%
Monthly Profit Rate
3.75% per month (45.63% APR equivalent) under the Islamic Murabaha structure. Grace period up to 55 days.
Minimum Payment5%*
*5% of the outstanding Present Balance, minimum AED 100 (or the full balance if under AED 100).
ATM / Cash Withdrawal3%*
*3% of the withdrawal amount, minimum AED 99. Also applies to cover-amount transfers to any ADIB account.
Foreign Transaction (non-AED)2.3%
Foreign Transaction (AED International)1.99%*
*Rises to 2.75% (1.15% Visa charge plus prevailing FX spread) for transactions processed from 10 Sept 2026.
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.
Credit BureauAED 30
Returned ChequeAED 100
Liability CertificateAED 50
Statement CopyAED 45
Receipt CopyAED 25*
*Applies to sales receipts and travel fare / hotel receipts.
Frequently Asked Questions
Get answers to common questions about ADIB SHARE Visa Platinum Card credit card
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