ADIB Cashback Visa Islamic Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by ADIB earning 4% cashback on groceries, education, dining, and utilities.
AED 103.95
Up to 0.04 pts/AED
AED 5,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000+ monthly on groceries, education, dining, and utilities combined.
Not ideal if
You spend heavily on travel or categories outside the four rewarded spend types.
Watch out for
Monthly caps limit groceries and education to AED 300 each, dining to AED 200.
Calculate This Card’s Value
Earning Rates
0.04 pts/AED
Cap: Up to AED 300/mo
0.04 pts/AED
Cap: Up to AED 300/mo
0.04 pts/AED
Cap: Up to AED 100/mo
0.04 pts/AED
Cap: Up to AED 200/mo
Key Strengths and Weaknesses
Strengths
4% cashback on groceries, education, dining, and utilities with clear monthly caps.
Sharia-compliant structure for customers seeking Islamic banking products.
Low AED 5,000 minimum salary makes it accessible to many UAE residents.
Watch out for
AED 103.95 annual fee is not waivable regardless of spend.
Monthly caps restrict maximum cashback to AED 900 across all four categories.
3.45% foreign exchange markup makes international spending costly.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 103.95 annual fee is not waivable. If you spend around AED 10,000 monthly across groceries, education, dining, and utilities, you can earn enough cashback to cover the fee and gain net value.
Does this card earn cashback on school or university fees?
Yes, education spending earns 4% cashback, capped at AED 300 per month. This makes it useful for families paying tuition or other education expenses.
What are the monthly cashback caps?
Groceries and education are each capped at AED 300 per month, dining at AED 200, and utilities at AED 100. The combined maximum is AED 900 monthly across all four categories.
Can I use this card abroad?
You can use it internationally, but the 3.45% foreign exchange markup makes overseas purchases expensive. This card is better suited for domestic spending in the UAE.
What is the minimum salary to apply?
The minimum salary requirement is AED 5,000 per month, making this card accessible to a wide range of UAE residents.