ADIB
Cashback %
- 4% cashback on all Supermarket & Grocery purchases (up to AED 300 per month).
- 4% cashback on all Fuel & Automobile expenses (up to AED 300 per month).
- 4% cashback on all School & Education payments (up to AED 300 per month).
- 4% cashback on all Dining & Restaurant spending (up to AED 200 per month).
- 4% cashback on all Utility bill payments (up to AED 100 per month).
Rewards Mechanism
- 4% cashback on all Supermarket & Grocery purchases (up to AED 300 per month).
- 4% cashback on all Fuel & Automobile expenses (up to AED 300 per month).
- 4% cashback on all School & Education payments (up to AED 300 per month).
- 4% cashback on all Dining & Restaurant spending (up to AED 200 per month).
- 4% cashback on all Utility bill payments (up to AED 100 per month).
Why We Choose It
- High cashback on school and education.
- Low annual fee relatively.
Welcoming Gift/Bonus
Currently, no welcome bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
- 4% cashback on all Supermarket & Grocery purchases (up to AED 300 per month).
- 4% cashback on all Fuel & Automobile expenses (up to AED 300 per month).
- 4% cashback on all School & Education payments (up to AED 300 per month).
- 4% cashback on all Dining & Restaurant spending (up to AED 200 per month).
- 4% cashback on all Utility bill payments (up to AED 100 per month).
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Key benefits
- Free Roadside Assistance.
Other benefits
- Free Roadside Assistance.
Why We Choose It
- High cashback on school and education.
- Low annual fee relatively.
What We Did Not Like
- There is no cashback on spending other than the mentioned categories.
Cashback %
Rewards Mechanism
For every AED 100 spent:
- 1.0 Exceed Rewards on international spends
- 0.125 Exceed Reward on local spends
- 2.5 Exceed Rewards on Airline Spends (capped at 50 Exceed Rewards per transaction and 150 Exceed Rewards a month).
Why We Choose It
- Low annual fee relatively.
Welcoming Gift/Bonus
Currently, no welcome bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Exceed Rewards.
Reward Mechanism:
For every AED 100 spent:
- 1.0 Exceed Rewards on international spends
- 0.125 Exceed Reward on local spends
- 2.5 Exceed Rewards on Airline Spends (capped at 50 Exceed Rewards per transaction and 150 Exceed Rewards a month).
Redeem points:
Exceed points can be redeemed for utility payments, retail or online shopping vouchers, flight purchases, and much more.
Airlines Program:
Key benefits
- Complementary lounge access for 1 person.
- 10% discount through the Booking.com Genius Program.
- Concierge Services.
Other benefits
- Free Valet Parking twice a month.
Why We Choose It
- Low annual fee relatively.
What We Did Not Like
- No welcoming bonus is available.
- The benefits included are limited.
