ADIB SHARE Visa Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by ADIB earning up to 0.6 points per AED on groceries and shopping.
AED 208.95
Up to 0.6 pts/AED
AED 5,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 5,000 to 10,000 monthly on groceries and shopping.
Not ideal if
You spend heavily on dining, travel, or international transactions.
Watch out for
Annual fee waived only if you spend AED 45,000 per year.
Calculate This Card’s Value
Earning Rates
0.6 pts/AED
0.6 pts/AED
0.125 pts/AED
0.125 pts/AED
0.025 pts/AED
0.025 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.6 points per AED on groceries and shopping with no cap.
Sharia-compliant structure for those seeking Islamic banking.
AED 200 welcome bonus (2,000 SHARE Points) on sign-up.
Annual fee waived with AED 45,000 annual spend.
Watch out for
No rewards on dining, a common high-spend category.
Low 0.025 points per AED on education and utilities.
AED 208.95 annual fee if waiver threshold not met.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 208.95 annual fee is waived if you spend AED 45,000 per year (about AED 3,750 annually). The AED 200 welcome bonus helps offset the first year's cost if you don't meet the threshold.
What categories earn the most points?
Groceries and shopping earn 0.6 points per AED with no cap. All other spending, including international transactions, earns 0.125 points per AED. Education and utilities earn only 0.025 points per AED.
Does this card earn rewards on dining?
No, dining is not listed as a rewarded category. You will earn only the baseline 0.125 points per AED on dining transactions.
Can I use this card abroad?
Yes, but international spending earns just 0.125 points per AED, and you'll pay a 3.45% foreign exchange markup on all transactions in foreign currency.
How does the welcome bonus work?
You receive 2,000 SHARE Points (worth AED 200) on sign-up with no minimum spend requirement. This bonus can help offset the annual fee in your first year.