ADIB Spice Card

Minimum Salary: AED 12,000

Annual Fee: AED 199 | Rate: 3.09%

✨Features:

Cash Back, Discounts / Vouchers / Offers, Islamic Finance, Sharia Compliant, No Salary Transfer

Apply Now

Spice Card Features

Flights, redeem your ADIB Rewards Points against flight tickets on Any Airline

Withdraw 100% of your finance limit as cash

Your minimum income should be AED 12,000 per month

Age 21 or older

Credit Card Highlights

Up to 9% cashback
Up to 4% on fuel
Withdraw 100% of your finance limit as cash
ADIB Reward points
All Priceless Arabia offers
Discounts at restaurants
Flights, redeem your ADIB Rewards Points against flight tickets on Any Airline
Easy Pay Plan option
Shopping mall vouchers
Redeem your ADIB Rewards Points for shopping mall vouchers from the list of malls below in Abu Dhabi and Sharjah
Jewellers, Convert your purchase at any of the 3 jewellers mentioned below into an Easy Payment plan of 3 or 6 months @ 0% Murabaha (profit). A minimum spend of AED 1000 is required
Priceless Arabia offers
Complimentary Lounge access, unlimited access to the following Airport Lounges across the GCC

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.