ADIB Exceed Visa Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by ADIB earning 0.015 points per AED on international spend and 0.005 points per AED elsewhere.
AED 208.95
Up to 0.015 pts/AED
AED 5,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend regularly on international purchases and want a Sharia-compliant card.
Not ideal if
You spend mainly on dining, groceries, or domestic shopping with little international use.
Watch out for
AED 208.95 annual fee is not waivable and requires consistent international spend to justify.
Calculate This Card’s Value
Earning Rates
0.005 pts/AED
0.015 pts/AED
0.00125 pts/AED
0.00125 pts/AED
0.00125 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.015 points per AED on international spend with no cap.
Sharia-compliant structure for customers seeking Islamic finance products.
Includes lounge access and Entertainer benefits.
Watch out for
Very low earn rates on groceries, utilities, and education at 0.00125 points per AED.
AED 208.95 annual fee with no waiver option.
No bonus earning on dining or domestic shopping categories.
Fees & Conditions
Cards Worth Comparing
Explore similar UAE credit cards and alternatives worth comparing based on rewards, fees, salary requirements, and spending fit.
Similar Cards
Close alternatives with similar reward patterns, eligibility requirements, and fee positioning.
ADIB
Exceed Visa Islamic Credit Card
Similarity score98/100
Emirates Islamic
Flex Elite Credit Card
Similarity score86/100
Sharjah Islamic Bank
Smiles World Credit Card
Similarity score85/100
Citibank
Cash Back Credit Card
Similarity score81/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
Mashreq
Solitaire Credit Card
Comparison fit81/100
ADIB
Smiles Visa Signature Islamic Credit Card
Comparison fit79/100
Mashreq Al Islami
Platinum Islamic Credit Card
Comparison fit79/100
Sharjah Islamic Bank
Smiles Titanium Credit Card
Comparison fit78/100
Frequently Asked Questions
Is the annual fee worth it?
The AED 208.95 annual fee is not waivable, so you need regular international spend to earn enough points to offset the cost. If most of your spending is domestic, the fee will likely outweigh the rewards.
How much do I earn on international purchases?
You earn 0.015 points per AED on international transactions, which is three times the baseline rate of 0.005 points per AED on all other spend.
Does this card earn on school or university fees?
Yes, education spending earns 0.00125 points per AED, which is lower than the baseline rate and much lower than the international rate.
Can I use this card abroad?
Yes, the card works internationally and earns 0.015 points per AED on foreign transactions. The foreign exchange markup is 3.45 percent.
What perks come with this card?
The ADIB Exceed Visa Platinum Islamic Credit Card includes lounge access and Entertainer benefits, which can add value if you travel or dine out frequently.