The Abu Dhabi Islamic Bank Visa Cashback Card is designed for individuals and families who want to make their everyday expenses more rewarding.
With up to 4% cashback on essential spending such as groceries, fuel, dining, and utilities, this Shari’a-compliant card combines practical value with ethical banking.
This guide explains everything you need to know about how to apply for the card online, what benefits to expect, and the fees and contact information.
What is Abu Dhabi Islamic Bank?
Abu Dhabi Islamic Bank (ADIB) is a leading financial institution in the United Arab Emirates, established in 1997.
Headquartered in Abu Dhabi, the bank has grown to serve more than one million customers, offering personal, business, and corporate banking products.
ADIB operates on a model that avoids interest-based transactions, instead using ethical financing structures such as Murabaha and Ijara.
It has built a reputation for innovation in digital banking, customer service excellence, and socially responsible banking.
Why Choose the ADIB Visa Cashback Card?
Here are some of the top reasons why thousands of UAE residents choose this card:
- 4% Cashback on five everyday spending categories: groceries, fuel, dining, education, and utility bills.
- No minimum spend required to qualify for cashback.
- Free roadside assistance (one service per year).
- Supplementary cards are available for family members.
- Shari’a-compliant banking with ethical investment and usage terms.
- Cashback is automatically credited to your monthly statement.
This card is especially beneficial for households that spend consistently in the categories mentioned above and want to be rewarded for their loyalty.
Step-by-Step: How to Apply Online
The application process is quick, fully digital, and designed to take only a few minutes. Here’s how it works:
1. Visit the ADIB Website
Go to the official Abu Dhabi Islamic Bank website and navigate to the Visa Cashback Card section under “Personal > Cards”.
You can also search for “ADIB Visa Cashback Card” on Google and follow the official link to the product page.
2. Click “Apply Now”
On the product page, click on the “Apply Now” button. This will take you to the online application form.
3. Fill Out the Online Form
You will be prompted to provide your basic contact information, including:
- Full name
- Mobile number
- Email address
- City of residence
Make sure all fields are accurate to avoid delays in processing.
4. Wait for a Follow-Up
After submitting the form, the bank will display a confirmation message:
“Thank you. One of our representatives will be in touch within the next 48 hours to guide you through the next steps.”
This personalized follow-up helps verify your details, assess eligibility, and support you in uploading necessary documents.
Follow all instructions and be polite. The application will be completed when both parties work together.
5. Prepare Supporting Documents
After the call or email, you will be asked to submit the following:
- A copy of your valid Emirates ID
- A copy of your passport and a valid UAE residency visa
- A salary certificate from your employer or your last 3-month bank statement
- A tenancy contract or a utility bill may be requested as proof of address
Documents can typically be submitted via email or uploaded to a secure link shared by the representative.
Who Is Eligible?
To be eligible for the ADIB Visa Cashback Card, you must meet the following criteria:
- Be at least 21 years old
- Be a UAE resident with a valid residency visa
- Have a minimum monthly salary of AED 8,000
- Be able to submit all required documents for income and ID verification
Approval is subject to credit assessment by the bank. If they reject you, ask for feedback and look for ways to improve your financial situation.
Interest Rates and Fees
Understanding the financial obligations of owning this card is important. You may end up in debt if you don’t take them into account.
Below are the main charges:
| Fee/Charge | Amount |
|---|---|
| Annual Fee (Gold Card) | AED 500 |
| Annual Fee (Platinum Card) | AED 1,000 |
| Monthly Profit Rate (without salary transfer) | 3.09% |
| Cash Advance Fee | 3% or AED 99 (whichever is higher) |
| Foreign Currency Transaction Fee | 3.10% |
| Card Replacement Fee | AED 75 |
| Late Payment Fee | AED 100 |
| Supplementary Cards | First 4 free, AED 100 thereafter |
| Grace Period | Up to 55 days on retail purchases |
Note: These rates are indicative and may be updated by ADIB. Always verify on the bank’s official website or with a representative.
Maximize the Card’s Benefits
To get the most value out of your ADIB Visa Cashback Card, pay your full balance on time to avoid interest charges.
Use it for everyday spending in the 4% cashback categories. Take advantage of seasonal ADIB offers, including travel deals and dining partnerships.
Link the card to Apple Pay or Google Pay for fast, secure tap-and-go payments.
Register for ADIB Online Banking or the Mobile App to track your cashback earnings and spending in real time.
Customer Service and Bank Contact Information
If you have any questions about your application, card features, or transactions, you can reach out to ADIB directly:
- Within UAE: 600 543216
- International Line: +971 2 6100600
- Email: [email protected]
- Website: www.adib.ae
- Mailing Address: Abu Dhabi Islamic Bank PJSC, Sheikh Rashid Bin Saeed Street (Old Airport Road), Opposite Millennium Al Rawdah Hotel, Abu Dhabi, United Arab Emirates
Customer support is available 24/7 for all clients regarding their issues.
Conclusion
The ADIB Visa Cashback Card is a compelling option for those who value rewards on everyday spending while respecting Islamic financial principles.
With strong cashback returns, user-friendly features, and a quick online application, it’s a solid financial tool for working professionals and families across the UAE.
If you’re eligible and ready, complete the short online form today and expect a follow-up from an ADIB representative within 48 hours.
Disclaimer: This article is intended for informational purposes only. Terms, interest rates, and eligibility criteria are subject to change by Abu Dhabi Islamic Bank without prior notice. Always confirm current details directly with the bank before applying.
