ADIB | ADIB Etisalat Visa Platinium Card

70,000 Sign Up Etisalat Smiles points equivalent to 38 hours of UAE talk time!
For non-Self-funded Card earn 4 Etisalat Smiles points for every Dirham spent local and international transactions on the Card so every AED 100 spent is 13 minutes of UAE talk time.
For non-Self-funded Card earn 1 Etisalat Smiles points for every Dirham spent on Specific merchant* transactions on the Card so every AED 100 spent is 3 minutes of UAE talk time.
For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent local and international transactions on the Card so every AED 100 spent is 6 minutes of UAE talk time.
For Self-funded Card earn 1 Etisalat Smiles points for every Dirham spent on Specific merchant* transactions on the Card so every AED 100 spent is 3 minutes of UAE talk time.
Special Etisalat MyPackage Plan for even More points
Withdraw 100% of your finance limit as cash
55 days Grace Period
Convenience to make your Card payments at ADIB Branches, ADIB deposit machines, UAE Exchange, Al Ansari Exchange and Al Fardan Exchange.

*Specific merchants are Supermarkets, Government Services (e.g. Fines, Taxes), Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport (e.g. Taxis, Metro, Buses), Road Tolls/Salik, Charities/Religious Organisation.

YOUR BENEFITS INCLUDE:

Sign Up Etisalat Smile points

Your ADIB Etisalat Visa Platinum Card comes with 70,000 Etisalat Smile Points that’s equal to:

More than 2100 minutes of talk time on calls within the UAE
More than 1100 minutes of talk time on calls to India, Pakistan, Bangladesh and Oman
More than 850 minutes of talk time on calls to Bahrain, Kuwait and Saudi Arabia
More than 700 minutes of talk time on calls to Jordan, Syria, Egypt, Lebanon and the Philippines

What's More,

You can conveniently redeem your Etisalat Reward Points for the payment of your below Etisalat services through Etisalat Smiles website.

Mobile Bills
eLife Service
Air Tickets
Hotels
Holidays
Car Hires
Retail stores
Restaurants
Online Rewards Shop

Access to Airport Lounges worldwide via Veloce Lounge (Click here for a list of airport lounges)

Valet parking at select locations in the UAE (Click here for a list of locations)

For your convenience there are numerous ways to make your ADIB Covered Card Payment.
Click here for a list of all the Covered Card payment options

Click here for the cards Terms and Conditions

Fees and Charges:

Click here for an updated Schedule of Charges

Covered Card Annual Fee	999
5th Supplementary Card Annual Fee (3)	999
Monthly Profit Rate (W/ Salary Transfer)	2.99%
Monthly Profit Rate (W/O Salary Transfer)	3.09%
Cash Withdrawal Limit	100%
ATM Cash Withdrawal Fee (4)	3% minimum 99
Card Replacement Fee (5)	100
Transfer of Excess Funds over the Cash Cover from Card to Account	100
Minimum Monthly Payment	5% minimum 100
Grace Period For Monthly Payment	Up to 55 days
Donation Commitment to Charity in case of Late Payment Event	100
Temporary Increase Limit Fee	50
Non-AED Transaction Service Fee (6)	3.1%
AED International Transaction Service Fee (7)	1.8%
Copy of Sales Receipt Fee	25
Copy of Travel Fares / Hotel Receipt Fee	100
Copy of Additional Statement Fee	50
Returned Cheque Fee	100
Monthly Contribution Amount (Optional) (8)	0.89 fils per 100 of the utilized cover amount

All of the above currencies are in AED unless mentioned otherwise

Notes:

(3) Entitled to four Free Supplementary Cards until further notice. Annual fees will be applied on the 5th supplementary card and onwards.

(4) Includes cash withdrawal at ATMs, Exchange Houses or similar, transfer of the original cover of the Card to any ADIB Account. This will also include all Transactions at merchants classified as "Security Brokers/Dealers" (under Visa Merchant Category Code 6211) including but not limited to National Bonds Corporation Transactions. The new ATM Cash Withdrawal fee (3% of the Transaction amount or AED 99, whichever is greater) shall be applicable on these Transactions from 1st October 2017, and until such date the existing ATM Cash Withdrawal fee (3% of the Transaction amount or AED 90, whichever is greater) shall continue to be applicable on these transactions. Additionally, such Transactions will not qualify for Etihad Miles, Cashback or any other reward scheme.

(5) For damaged Cards, no fee shall be applicable if the Cardholder delivers the damaged Card to the branch.

(6) Added to the Non-AED transactions' wholesale foreign exchange market spot rate that is selected and applied by Visa on the date of conversion. The new Non-AED Transaction Service Fee (3.1% of the transaction amount) includes the Visa International Service Assessment Fee and shall be applicable on these Transactions from 1st October 2017, and until such date the existing Non-AED Transaction Service Fee (3% of the transaction amount) which already includes the Visa International Service Assessment Fee shall continue to be applicable on these such transactions.

(7) For transactions that take place outside the UAE where the Cardholder pays the merchant in AED. The new AED International Transaction Service Fee (1.8% of the transaction amount) shall be applicable on these Transactions from 1st October 2017, and until such date the existing AED International Transaction Service Fee (1.5% of the transaction amount) shall continue to be applicable on these such transactions.

(8) The Monthly Contribution includes the Monthly Takaful Contribution and the fee of the arrangement, distribution and other services related to the Takaful scheme. For all Cards including Supplementary Cards, Monthly Contribution amount shall be linked to the Principal Card.

With effect from 1st January 2018, a standard rate of 5% Value Added Tax ( VAT ) applies on the above fees as per the UAE VAT Law (Federal Decree-Law No (8) of 2017 on Value Added Tax) and shall be added on the top of the above fees that are subject to VAT and shall be payable on the same due date of such fees