ADIB Booking.com Signature Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by ADIB earning up to 0.025 points/AED on travel and 0.01 points/AED internationally.
AED 313.95
Up to 0.025 pts/AED
AED 25,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 25,000+ monthly, want Sharia compliance, and spend regularly on travel.
Not ideal if
You mainly spend on dining, groceries, or domestic purchases with low travel activity.
Watch out for
AED 313.95 annual fee is not waivable and travel earn capped at AED 150 monthly.
Calculate This Card’s Value
Earning Rates
0.01 pts/AED
0.025 pts/AED
Cap: Up to AED 150/mo
0.005 pts/AED
0.00125 pts/AED
0.00125 pts/AED
0.00125 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Sharia-compliant card with travel and international points earning.
Lounge access, valet parking, and Entertainer perks included.
Earns 0.025 points/AED on travel and 0.01 points/AED internationally.
Watch out for
AED 313.95 annual fee with no waiver option.
Travel earn rate capped at AED 150 per month.
Low baseline and category rates on groceries, education, and utilities.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 313.95 annual fee is not waivable. You'll need to use the lounge access, valet parking, and Entertainer perks regularly, plus earn enough points on travel and international spend, to offset the cost.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 25,000 to be eligible for this card.
How much do I earn on travel?
You earn 0.025 points per AED on travel spend, but this rate is capped at AED 150 per month. Beyond that cap, you earn the baseline rate of 0.005 points/AED.
Can I use this card abroad?
Yes, you earn 0.01 points/AED on international spend. The card has a 3.45% foreign exchange markup, which is standard for most UAE credit cards.
Does this card earn on school or university fees?
Yes, you earn 0.00125 points per AED on education spend, the same rate as groceries and utilities.