ADIB Smiles Classic Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by ADIB earning up to 1.2 points per AED on international spend and 0.8 points per AED elsewhere.
Free
Up to 1.2 pts/AED
AED 5,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You want a no-fee Sharia-compliant card and spend regularly on international purchases.
Not ideal if
You spend mostly on groceries, education, or utilities with low earning rates.
Watch out for
3.45% FX markup on international spend reduces the net value of bonus points.
Calculate This Card’s Value
Earning Rates
0.8 pts/AED
1.2 pts/AED
0.2 pts/AED
0.2 pts/AED
0.2 pts/AED
Key Strengths and Weaknesses
Strengths
No annual fee makes it a cost-free Sharia-compliant option.
1.2 points per AED on international spend with no cap.
5,000 Smiles points welcome bonus with no spend requirement.
0.8 points per AED on all other spending as baseline earning.
Watch out for
Groceries, education, and utilities earn only 0.2 points per AED.
3.45% FX markup on international transactions reduces net rewards abroad.
Minimum salary requirement of AED 5,000 may exclude some applicants.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the ADIB Smiles Classic Islamic Credit Card?
No, this card has no annual fee, making it a cost-free option for Sharia-compliant cardholders.
How many points do I earn on international spending?
You earn 1.2 Smiles points per AED on international transactions, with no cap. All other spending earns 0.8 points per AED.
Does this card earn points on school or university fees?
Yes, education spending earns 0.2 Smiles points per AED, which is lower than the baseline rate of 0.8 points per AED on general purchases.
What is the welcome bonus and are there any conditions?
You receive 5,000 Smiles points upon sign-up with no minimum spend requirement or time limit.
What is the foreign exchange markup on this card?
The FX markup is 3.45% on international transactions. This cost reduces the net value of the 1.2 points per AED you earn abroad.