ADIB Exceed Visa Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by ADIB earning up to 0.01 points per AED on international spend.
AED 103.95
Up to 0.01 pts/AED
AED 5,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend regularly on international transactions and want Sharia-compliant rewards.
Not ideal if
You spend mostly within the UAE on dining, fuel, or general shopping.
Watch out for
AED 103.95 annual fee is not waivable and must be paid every year.
Calculate This Card’s Value
Earning Rates
0.005 pts/AED
0.01 pts/AED
0.00125 pts/AED
0.00125 pts/AED
0.00125 pts/AED
Key Strengths and Weaknesses
Strengths
Earns 0.01 points per AED on all international spend with no cap.
Sharia-compliant structure for customers seeking Islamic finance products.
Covers groceries, utilities, and education at 0.00125 points per AED.
Watch out for
AED 103.95 annual fee with no waiver option available.
Very low earn rates on domestic categories like groceries and utilities.
3.45% FX markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 103.95 annual fee is not waivable, so you need consistent international spend to justify the cost. If you spend less than AED 10,000 internationally per year, the modest points earned may not offset the fee.
What is the earn rate on international spend?
You earn 0.01 points per AED on all international transactions, which is double the baseline rate of 0.005 points per AED on other spending.
Can I use this card abroad?
Yes, the card works internationally and earns the highest rate (0.01 points per AED) on foreign transactions. However, a 3.45% FX markup applies to all foreign currency purchases.
Does this card earn on school or university fees?
Yes, education spending earns 0.00125 points per AED with no cap, the same rate as groceries and utilities.
Is this card Sharia-compliant?
Yes, the ADIB Exceed Visa Islamic Credit Card is structured to comply with Islamic finance principles.