ADIB Smiles Classic Card

Minimum Salary: AED 5,000

Annual Fee: Free for Life | Rate: 3.29%

✨Features:

Sharia Compliant, No Salary Transfer

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Smiles Classic Credit Card Features

10,000 Smiles points as quarterly bonus subject to meeting the spend criteria of AED 25K each quarter.

1 Smiles point per AED 5 spent on Specific Merchants

Your minimum income should be AED 5,000 per month

Age 21 or older

Credit Card Highlights

5,000 Smiles points upon sign up!*
10,000 Smiles points as quarterly bonus subject to meeting the spend criteria of AED 25K each quarter.
12 Smiles points on per AED 5 spent on Smiles App
6 Smiles points per AED 5 spent internationally
4 Smiles points per AED 5 spent locally in the UAE
1 Smiles point per AED 5 spent on Specific Merchants**

Top 3 ADIB Credit Card Benefits

Calculator Definitions

Amount
The total amount of financing requested, also referred to as the principal amount.
Rate (%)
The annual profit rate applicable to the product. This rate is used to determine the Annual Percentage Rate (APR).
Years
The original tenure of the financing, expressed in years.
Effective Monthly Payment
The actual monthly installment payable, taking into account the profit rate, fees, and other applicable charges. This amount forms the basis for the APR calculation.
Calculated Annual Percentage Rate (APR %)
The APR represents the total cost of the financing, including the profit rate and applicable fees. As fee structures may vary between banks, APR is useful for comparing different financial products.

Additional Information

By clicking Submit, I acknowledge that my details will be submitted to Gulf Policy Souq and then shared with Abu Dhabi Islamic Bank (“ADIB”). I consent to Gulf Policy Souq sharing my information with ADIB and acknowledge and agree that ADIB may, at its sole discretion, share my details with any UAE credit bureau and make enquiries about me with such credit bureaus.

By inquiring about ADIB services, offers, or products, I authorize ADIB representatives to contact me using my provided contact details, including my telephone or mobile number, regarding any ADIB product or service within a 12-month period from the date of this acknowledgment.

I hereby represent and warrant that all information provided is true, accurate, and complete. I agree to remain responsible for the information provided and to indemnify ADIB against any losses, claims, and/or liabilities arising from reliance on such information. ADIB is not obligated to verify the information provided nor required to offer any financing or credit facility based on this inquiry.