PlatinumCovered Card limit up to AED 250,000 and a world of benefits to best suit your business needs

  • Covered Card limit up to AED 250,000
  • Free Road-Side Assistance
  • Advanced Chip&Pin Technology
  • 60% Cash withdrawal limit​​

Dear Customer your ADIB Travel Desk service have been discontinued. Please visit our offer and promotions page to explore attractive offers as an ADIB covered card holder https://www.adib.ae/en/Pages/Personal_Offers_And_Promotions.aspx

​​

Overivew:

ADIB offers you the first Islamic Visa Business Covered Card in the UAE to help you better
manage your day-to-day business. In times when liquidity and efficiency is key, it provides
extra flexibility and secure alternative to cash payments.

    - Covered Card limit up to AED 250,000
    - Free Airport Lounge Access
    - ADIB Roadside Assistance Service
    - Advanced Technology
    - 60% Cash withdrawal limit

ADIB Business Visa Platinum Covered Card
ADIB offers you the first Islamic Visa Business Covered Card in the UAE to help you better manage your day-to-day business. In times when liquidity and efficiency is key, it provides extra flexibility and secure alternative to cash payments.

Covered Card limit up to AED 250,000
You can have a limit up to AED 250,000 after management approval.   

Free Airport Lounge Access
Relax before your flight! Just show your relevant ADIB Covered Card before flying from Dubai or Abu Dhabi airport to get unlimited free access.

ADIB Roadside Assistance Service
With your ADIB Business Visa Platinum Covered Card you will receive complimentary Platinum Membership from AutoPal for 24×7 roadside assistance. You will also be entitled to 1 free vehicle registration per year. In case of an accident, you will be provided with a free luxury car chauffeur service for 24 hours.

Advanced Technology
Advanced technology means both advanced safety and greater convenience. With Chip&Pin security, your Card is one of the most advanced in the world.​

Fees and Charges


Annual Fees  
Subscription fee for Principal Card400
Principal Card annual fee400
Subscription fee for100
Supplementary Card100
Supplementary Card annual fee2%
​Other fees and charges ​
Murabaha monthly profit rate amount3% of the amount, minimum
Cash withdrawal feeAED 90
Obligatory donation fee in case of late payment100
Non-AED transaction service fee3%
Receipt copy request fee for retail or cash25
Receipt copy request fee for travel or entertainment*100
Card replacement fee100
Statement re-print fee50
Temporary increase limit fee50
International transaction fee1.50%
Minimum amount due10%
Cash advance limit60%
Grace period for paymentUp to 55 days

All of the above currencies are in AED unless mentioned otherwise
Notes:
(1) Free for the first year.
(2) 20% of annual fee collected donated to Football Club printed on your Card.
(3) 4 Free Supplementary Cards until further notice. 5th Card onwards charged for. For all Cards, Takaful contribution amount will be linked to the Primary Card.
(4) The Monthly Profit Rate applies for covered card booked until 15th May 2015 only.
(5) Whichever is greater. Includes cash withdrawal at ATMs, Exchange Houses or similar, transfer original cover of the Card to Bank Account. Please note that all Transactions at merchants classified as “Security Brokers/Dealers” (under Visa Merchant Category Code 6211) including but not limited to National Bonds Corporation Transactions shall be subject to a 3% fee of the Transaction amount or a minimum AED 75, whichever is greater. Additionally, such Transactions will not qualify for Etihad Miles, Cashback or any other reward scheme. This change shall become effective on 9 December 2011.
(6) For damaged Cards. No fee shall be applicable if the Cardholder delivers the damaged Card to the branch.
(7) Added to the Non-AED transactions’ wholesale foreign exchange market spot rate that is selected and applied by Visa on the date of conversion.
(8) For transactions that take place outside the UAE where the Cardholder pays the merchant in AED.
(9) Includes the fee of ADIB as an agent of the Cardholder.
(10) The Monthly Profit Rate applies new covered card booked from 16th May 2015 onwards.
(11) Free for life
(12) No annual fee for Diamond customers
(13) 2.75% for Diamond customers
(14) Free for Diamond customers
(15) AED750 for Diamond customers​​​

  • ​Bank statement for the past 6 or 12 months (based on business requirement) 
  • Valid and Original documents: Trade/Professional License, Commercial Registration, Chamber of Commerce Membership Certificate, Memorandum of Association, and any subsequent amendments and Power of Attorney, Board Resolution -if any- and others as applicable 
  • Original valid passport and passport Copies of all Partners including Residence Visa for signatories
  • Original valid passport and Emirates ID for the signatory.
  • Other docum​ents (as per financing requirements)​​