Etisalat ClassicNo Annual Fee. 5,000 Sign Up Etisalat Reward points equivalent to more than 2 ½ hours of UAE talk time!

  • No Annual Fee
  • 5,000 Sign Up Etisalat Reward points equivalent to more than 2 ½ hours of UAE talk time!
  • 1.5 Etisalat Smile points for every Dirham spent locally and internationally
  • 1 Etisalat Smile points for every Dirham spent on Specific merchant* the Card so every AED 100 spent is 3 minutes of UAE talk time
  • Withdraw 100% of your finance limit as cash
  • Up to 55 days Grace Period
  • Convenience to make your Card payments at ADIB Branches, CCDMs, UAE Exchange, Al Ansari Exchange and Al Fardan Exchange    

*Specific merchants in the following categories will receive 1 Smiles point for AED and non – AED transactions: 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.

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


 

Sign Up Etisalat Smile points

Your ADIB Etisalat Visa Classic Card comes with 5,000 Etisalat Smile Points that’s equal to: 

  • More than 150 minutes of talk time on calls within the UAE 
  • More than 80 minutes of talk time on calls to India, Pakistan, Bangladesh and Oman 
  • More than 60 minutes of talk time on calls to Bahrain, Kuwait and Saudi Arabia 
  • More than 50 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 Rewards website​.​Mobile Bills

  • eLife Service
  • Air Tickets
  • Hotels
  • Holidays
  • Car Hires
  • Retail stores
  • Restaurants
  • Online Rewards Shop​​​​​​​​​​
 
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 an updated Schedule of Charges​

 

Covered Card Annual Fee Free (10)
5th Supplementary Card Annual Fee (3) NA
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) 75
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 (6)100
Temporary Increase Limit Fee 50
Non-AED Transaction Service Fee (7) 3.1%
AED International Transaction Service Fee (8) 1.8%
Copy of Sales Receipt Fee 25
Copy of Travel Fares / Hotel Receipt Fee 25
Liability / No Liability Letter 50
Copy of Additional Statement Fee 45
Returned Cheque Fee 100
Monthly Contribution Amount (Optional) (9) 0.9345 fils per 100 of the utilized cover amount

 

*Transfer of Excess Funds over the Cash Cover from Card to Account with fee of AED 100 is only applicable on exception when processed through ADIB Branch or ADIB Call Centre. Standard cash withdrawal fee is applicable on Card to Account Transfer performed through ADIB ATM/Online/Digital Channels.


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. 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) If agreed upon with the customer and stipulated in the relevant document

(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) The Monthly Contribution includes the Monthly Takaful Contribution and the fee of the arrangement, distribution and other services related to the Takaful scheme. For Takaful products, all contribution amounts are inclusive of VAT if applicable. For all Cards including Supplementary Cards, Monthly Contribution amount shall be linked to the Principal Card.

(10) Free for life

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

 

 
  • ​Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer​ (not more than 30 days old)​



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