Quoted from Abu Dhabi Islamic Bank's published terms. Anything we could not match to the issuer's own words is not listed.
The ADIB Smiles Visa Classic Card has no annual fee.
“Covered Card Annual Fee - Free”
Source: https://www.adib.ae/en/personal/cards/smiles-covered-cards/adib-smiles-visa-classic-card · Last checked 24 Aug 2026
Cardholders can use the Balance Transfer facility on their card by calling 600 543216.
“Use Balance Transfer facility on your Card by calling 600 543216”
Source: https://www.adib.ae/en/personal/cards/smiles-covered-cards/adib-smiles-visa-classic-card · Last checked 24 Aug 2026
With the ADIB Smiles Covered Card, cardholders can shop at selected merchants and pay back in easy installment payments of 3, 6, 9, or 12 months with 100% waiver of Murabaha monthly profit and no processing fees by calling 600 543216.
“With your ADIB Covered Card, you can now shop at selected merchants and payback in easy installment payments of 3/6/9/12 months with 100% waiver of Murabaha Monthly Profit and no processing fees”
Source: https://www.adib.ae/en/personal/cards/smiles-covered-cards/adib-smiles-visa-classic-card · Last checked 24 Aug 2026
Cardholders can enjoy deals and discounts on the Smiles app on shopping, travel, dining, and other categories.
“Enjoy deals and discounts on Smiles app”
Source: https://www.adib.ae/en/personal/cards/smiles-covered-cards/adib-smiles-visa-classic-card · Last checked 24 Aug 2026
Earn 10,000 Smiles points as a quarterly bonus when meeting the quarterly spend criteria of AED 25,000 each quarter.
“10,000 Smiles points as quarterly bonus subject to meeting the spend criteria of AED 25K each quarter.”
Source: https://www.adib.ae/en/personal/cards/smiles-covered-cards/adib-smiles-visa-classic-card · Last checked 24 Aug 2026
Earn 5,000 Smiles points upon card sign-up that can be redeemed for shopping, travel, dining, Etisalat bill payments, Careem rides, food and grocery via Smiles App, shopping vouchers, flights on 1,000+ airlines, and hotels at 50,000+ properties worldwide.
“5,000 Smiles points upon sign up.”
Source: https://www.adib.ae/en/personal/cards/smiles-covered-cards/adib-smiles-visa-classic-card · Last checked 24 Aug 2026
Transfer cash from your card to a selected bank account by calling 600 543216.
“Transfer cash from your Card to a selected bank account by calling 600 543216”
Source: https://www.adib.ae/en/personal/cards/smiles-covered-cards/adib-smiles-visa-classic-card · Last checked 24 Aug 2026
Redeem Smiles points easily through the Smiles App to book flights with over 1,000 airlines and hotel stays at any of the 50,000+ hotels worldwide.
“Redeem your Smiles points to book flights with over 1,000 airlines and hotel stays at any of the 50,000+ hotels worldwide”
Source: https://www.adib.ae/en/personal/cards/smiles-covered-cards/adib-smiles-visa-classic-card · Last checked 24 Aug 2026
The Smiles Classic Card is free for life — Abu Dhabi Islamic Bank publishes no annual fee. ADIB Smiles Visa Classic Card has no annual fee. The card is Shariah-compliant and free from Murabaha profit charges (Riba) and uncertainty (Gharar), with Smiles Points derived from ADIB Shareholders' funds.
The Smiles Classic Card carries 8 verified benefits across 5 categories: Annual fee waiver, Installments, Online shopping, Other, Travel insurance. Each is quoted from Abu Dhabi Islamic Bank's own published terms on this page.
Every benefit here carries the date it was last read from the issuer's published terms. This page is last verified 24 Aug 2026. Anything we could not verify against the issuer's own words is not shown at all.
Bustan tracks every perk across all the cards in your wallet at once, and reminds you before the ones that reset run out. It never asks for a card number or a bank login.
See what you're wasting.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.