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ADIB Cashback Visa Covered Card card
Abu Dhabi Islamic Bank

ADIB Cashback Visa Covered Card

Visa Platinum Islamic — profit rate, not interest Verified 1 Oct 2026

Fees and eligibility, as published

Annual fee
AED 103.95 a year KFS fee table lists ADIB Cashback Visa Card annual fee as AED 99 (last column in the row), with footnote 5 stating '5% VAT applicable' to fees marked with that footnote, so the AED 99 figure is exclusive of VAT. No spend-based fee waiver is mentioned for the Cashback Visa Card (only the ADIB SHARE cards have an annual-spend fee reversal clause per the T&Cs). Minimum monthly income requirement of AED 5,000 is stated as a UAE Central Bank mandated eligibility criterion for all ADIB Covered Cards. This is a Shari'a-compliant Covered Card structured via Murabaha; costs are expressed as 'Monthly Profit Rate' (3.75%) / APR (45.63%) rather than interest, and any late-payment related charge is described as a 'donation commitment to Charity' rather than a late fee/interest penalty.
Annual fee waived at
Not published
Minimum monthly salary
AED 5,000
Profit rate
Not published

6 verified benefits

Quoted from Abu Dhabi Islamic Bank's published terms. Anything we could not match to the issuer's own words is not listed.

Airport lounge 1 benefit

Airport Lounge Access

Verified 1 Oct 2026

Access to over 500 VIP airport lounges worldwide through LoungeKey for ADIB Cashback card holders.

How often
Per event
How to use it
Activate in the bank's app — Cardholder must register with LoungeKey app, present eligible card at lounge entry
Caps and limits
Access based on card tier; guests charged separately at $32 USD per visit
Exclusions
Must have eligible card present at time of lounge access
Where
International
“Access over 500 VIP airport lounges worldwide with LoungeKey”

Source: https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/adib-covered-cards-terms-and-conditions.pdf · Last checked 1 Oct 2026

Dining 1 benefit

Cashback on Dining and Restaurants Spends

Verified 1 Oct 2026

Earn 4% cashback on dining and restaurant purchases with a monthly cap of AED 200.

How often
Monthly
How to use it
Applied automatically
Caps and limits
Monthly cap of AED 200; transactions coded as restaurants/dining (codes 5812, 5814, 7011)
Exclusions
Cash withdrawals, travellers cheques, finance charges, card repayments, balance transfers, security broker transactions, transactions above card limit, cash transactions, EEA transactions
Where
All emirates
“Cashback of 4% on dining and restaurants spends. Maximum monthly Cashback on dining and restaurants spends is AED 200.”

Source: https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/adib-covered-cards-terms-and-conditions.pdf · Last checked 1 Oct 2026

Education 1 benefit

Cashback on School and Education Payments

Verified 1 Oct 2026

Earn 4% cashback on school and education payments with a monthly cap of AED 300.

How often
Monthly
How to use it
Applied automatically
Caps and limits
Monthly cap of AED 300; transactions coded as education (codes 8211, 8220, 8241, 8244, 8249, 8299)
Exclusions
Cash withdrawals, travellers cheques, finance charges, card repayments, balance transfers, security broker transactions, transactions above card limit, cash transactions, EEA transactions
Where
All emirates
“Cashback of 4% on school/education payments. Maximum monthly Cashback on school/education payments is AED 300.”

Source: https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/adib-covered-cards-terms-and-conditions.pdf · Last checked 1 Oct 2026

Fuel 1 benefit

Cashback on Fuel and Automobile Spends

Verified 1 Oct 2026

Earn 4% cashback on fuel and automobile purchases with a monthly cap of AED 300.

How often
Monthly
How to use it
Applied automatically
Caps and limits
Monthly cap of AED 300; transactions coded as fuel/auto (codes 5511, 5521, 5532, 5533, 5541, 5542, 5561, 5571, 5592, 5598, 5599, 5983, 7538)
Exclusions
Cash withdrawals, travellers cheques, finance charges, card repayments, balance transfers, security broker transactions, transactions above card limit, cash transactions, EEA transactions
Where
All emirates
“Cashback of 4% on fuel and automobile spends. Maximum monthly Cashback on fuel and automobile spends is AED 300.”

Source: https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/adib-covered-cards-terms-and-conditions.pdf · Last checked 1 Oct 2026

Grocery 1 benefit

Cashback on Grocery and Supermarket Spends

Verified 1 Oct 2026

Earn 4% cashback on all grocery and supermarket purchases with a monthly cap of AED 300.

How often
Monthly
How to use it
Applied automatically
Caps and limits
Monthly cap of AED 300; transactions coded as supermarket/grocery (merchant codes 5310, 5331, 5399, 5411, 5422, 5499)
Exclusions
Cash withdrawals, travellers cheques, finance charges, card repayments, balance transfers, security broker transactions, transactions above card limit, cash transactions, EEA transactions
Where
All emirates
“Cashback of 4% on grocery and supermarket spends. Maximum monthly Cashback on grocery and supermarket spends is AED 300.”

Source: https://www.adib.ae/-/media/project/adib/adibsite/docs/personal/cards/adib-covered-cards-terms-and-conditions.pdf · Last checked 1 Oct 2026

Other 1 benefit

Roadside Assistance

Verified 24 Aug 2026

Complimentary roadside assistance provided once per year to cardholders.

How often
Yearly
How to use it
Applied automatically
Caps and limits
Once per year only
Where
All emirates
“Roadside assistance once a year”

Source: https://www.adib.ae/en/personal/cards/cashback-visa-card · Last checked 24 Aug 2026

Where this card sits

All 15 Abu Dhabi Islamic Bank cards Airport lounge cards in the UAEDining cards in the UAE Every UAE card

Questions

What is the annual fee on the ADIB Cashback Visa Covered Card?

The ADIB Cashback Visa Covered Card has a published annual fee of AED 103.95. KFS fee table lists ADIB Cashback Visa Card annual fee as AED 99 (last column in the row), with footnote 5 stating '5% VAT applicable' to fees marked with that footnote, so the AED 99 figure is exclusive of VAT. No spend-based fee waiver is mentioned for the Cashback Visa Card (only the ADIB SHARE cards have an annual-spend fee reversal clause per the T&Cs). Minimum monthly income requirement of AED 5,000 is stated as a UAE Central Bank mandated eligibility criterion for all ADIB Covered Cards. This is a Shari'a-compliant Covered Card structured via Murabaha; costs are expressed as 'Monthly Profit Rate' (3.75%) / APR (45.63%) rather than interest, and any late-payment related charge is described as a 'donation commitment to Charity' rather than a late fee/interest penalty.

What salary does the ADIB Cashback Visa Covered Card require?

Abu Dhabi Islamic Bank publishes a minimum monthly salary of AED 5,000 for the ADIB Cashback Visa Covered Card.

What benefits does the ADIB Cashback Visa Covered Card include?

The ADIB Cashback Visa Covered Card carries 6 verified benefits across 6 categories: Airport lounge, Dining, Education, Fuel, Grocery, Other. Each is quoted from Abu Dhabi Islamic Bank's own published terms on this page.

How current is this page?

Every benefit here carries the date it was last read from the issuer's published terms. This page is verified this month. Anything we could not verify against the issuer's own words is not shown at all.

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Every benefit on this page is quoted from the issuer's own published terms and links back to the page it was read from, with the date it was last checked. Bustan is not affiliated with any bank. Issuers and rights holders who want a quotation corrected or removed can write to support@getbustan.com and we will act on it. Published by Jasmine Entertainment FZE.