ADIB Smiles Visa Signature Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by ADIB earning up to 3 points per AED on international spend and 2 points per AED on all other purchases.
AED 1,258.95
Up to 3 pts/AED
AED 20,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 20,000+ monthly and spend heavily on international transactions.
Not ideal if
You mainly spend domestically or rarely use the premium travel perks.
Watch out for
AED 1,259 annual fee is not waivable and requires high spend to justify.
Calculate This Card’s Value
Earning Rates
2 pts/AED
3 pts/AED
0.2 pts/AED
0.2 pts/AED
0.2 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
3 points per AED on international spend with no cap.
70,000 Smiles points welcome bonus upon sign up.
Lounge access, Entertainer benefits, and valet parking included.
Sharia-compliant structure for Islamic finance preference.
Watch out for
AED 1,259 annual fee with no waiver option.
Only 0.2 points per AED on groceries, education, and utilities.
AED 20,000 minimum monthly salary requirement limits eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,259 annual fee is not waivable, so you need high international spend and regular use of lounge access, Entertainer, and valet perks to justify the cost. The 70,000 Smiles points welcome bonus helps offset the first year fee.
How many points do I earn on international purchases?
You earn 3 points per AED on all international transactions with no cap. All other domestic spend earns 2 points per AED.
Does this card earn points on school or university fees?
Yes, education spend earns 0.2 points per AED, which is lower than the 2 points per AED baseline rate for general purchases.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 20,000 to be eligible for this card.
Can I use this card abroad?
Yes, the card works internationally and earns 3 points per AED on foreign spend. The 3.45% FX markup applies to all foreign currency transactions.