ADIB Aldar Visa Infinite
Earn 20,000 sign-up Darna Points worth AED 1,000
via the ADIB mobile app or any ADIB branch
Activate and make your first purchase within 30 days. Terms apply. See rates & fees.
Rewards rate
"If Yas, Saadiyat and the Aldar malls are where your family spends its weekends, this is the Islamic card to carry there — 10% back, a 2% foreign-spend rate and unlimited lounges with a guest. Do the fee maths first: about AED 875 a month at Aldar covers the AED 999, and AED 75,000 a year of total spend makes it disappear from year two."
Earning and redeeming Darna Points
Darna is Aldar's loyalty programme, and the ADIB Aldar cards earn its points on every purchase. The Infinite pays 200 Darna Points per AED 100 (10% back) at eligible Aldar Malls and Aldar Hospitality entities, 40 points (2%) on international spend outside the European Economic Area (EEA) and 30 points (1.5%) on other local spend — Aldar Education and Aldar Development included. EEA merchants and ADIB's "specific merchants" list (supermarkets, fuel, utilities, government, non-Aldar education, real estate agents, transport, Salik, charities) drop to 5 points (0.25%).
ADIB values 1 Darna Point at AED 0.05. You track and redeem points in the Darna Rewards / Live Aldar app — as cashback to your card or to friends, as Aldar mall gift cards, for Khidmah services or charity, or to boost your Darna tier. There are no airline or hotel transfer partners, so the value stays inside Aldar's ecosystem.
Rates and fees
- Annual fee
- AED 999 + 5% VAT. From year 2, reversed if you spent AED 30,000 in non-AED or AED 75,000 total the previous year
- Welcome bonus
- 20,000 Darna Points (AED 1,000); activate and make your first retail purchase within 30 days of issuance
- Monthly profit rate
- 3.75% fixed murabaha profit (45.63% APR)
- Grace period
- Up to 55 days
- Foreign transaction fee
- 2.3% non-AED service fee, on top of Visa's rate and charges; AED-priced transactions abroad 2.75%
- Cash withdrawal
- 3% of the amount (minimum AED 99)
- Late payment
- AED 100 donation commitment to charity (no VAT)
- Minimum payment
- 5% of the outstanding amount, minimum AED 100
- Supplementary cards
- First 4 free; AED 999/year from the 5th card
- Minimum income
- Not published for this card; ADIB's covered-card KFS sets AED 5,000/month as the general floor
Figures from ADIB's Aldar Visa Infinite product page and Aldar Cards page (October 2026) and the ADIB Covered Cards Schedule of Charges (V-45, August 2026); the Aldar Key Facts Statement is not published online. ADIB fees exclude 5% VAT unless stated. Verify on adib.ae before applying.
Card benefits
Unlimited lounge access +1
Unlimited entry to 1,000+ lounges in 300+ cities for you and a guest, via the Visa Airport Companion app.
Darna Platinum status
A complimentary upgrade to Darna Platinum status in Aldar's Darna Rewards programme.
Valet parking, 4x a month
Free valet through Valtrans at key UAE locations, four times a month — just show the card.
Travel medical & inconvenience cover
Visa-provided cover: baggage loss up to USD 3,000, trip cancellation up to USD 7,500, and travel medical cover for you, family and helper.
Roadside assistance
Free roadside assistance inside the UAE, three times a year.
24-hour Visa concierge
A personal travel assistant around the clock for bookings and practical arrangements.
Pros and cons
- 10% value back at eligible Aldar malls and Aldar hospitality — 200 Darna Points per AED 100
- Sharia-compliant covered card with a fee reversal from year 2 at AED 75,000 total or AED 30,000 non-AED spend
- Unlimited airport lounge access for the cardholder plus one guest, and valet parking four times a month
- Complimentary Darna Platinum status, 20,000-point sign-up bonus (AED 1,000) and roadside assistance 3 times a year
- Solid 2% on international spend outside the European Economic Area, plus Visa travel medical and inconvenience cover
- AED 999 annual fee (plus 5% VAT) is payable in year one regardless of spend
- Supermarkets, fuel, utilities, government and non-Aldar education earn only 0.25%
- Darna Points only redeem inside the Aldar / Darna app ecosystem — no miles or transfer partners
- Fixed 3.75% monthly murabaha profit rate (45.63% APR) if you don't settle in full
- 2.3% non-AED fee on foreign-currency spend, and EEA merchants earn just 0.25%
Is it right for you?
Get this card if
- You spend AED 875+ a month at Aldar malls, hotels and resorts
- You want a Sharia-compliant card with unlimited lounge access for you and a guest
- You can reach AED 75,000 a year in total spend so the fee is reversed from year 2
Consider skipping it if
- Most of your spending is groceries, fuel, bills and school fees outside Aldar — those earn 0.25%
- You carry a balance — the fixed 3.75% monthly profit rate is among the UAE's highest
- Your Aldar spend is modest — the Aldar Visa Platinum keeps 6% back for AED 199
Alternatives to consider
Emirates NBD's Darna Infinite also targets Aldar destinations, but it is not Islamic, costs AED 1,575 a year plus a joining fee and needs an AED 30,000 salary.
Same AED 999 fee and reversal rule, but 6% back in SHARE Points at Carrefour and Majid Al Futtaim malls and 2% on other local spend.
The same Darna formula at 6% back on Aldar retail and hospitality, with Darna Gold status, for an AED 199 fee.
Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Does the ADIB Aldar Visa Infinite have an annual fee?+
Yes — AED 999 plus 5% VAT. From the second year onwards the fee is reversed if, in the previous year, you spent the equivalent of AED 30,000 in non-AED transactions or AED 75,000 in total local and international spend. The first four supplementary cards are free; the fifth and later cost AED 999 a year.
What is the welcome bonus?+
20,000 sign-up Darna Points, worth AED 1,000 at ADIB's stated value. You must activate the card and make your first retail purchase within 30 days of the card being issued.
How much are Darna Points worth?+
ADIB values 1 Darna Point at AED 0.05, redeemable through the Darna app — so 200 points per AED 100 is 10% back. You can take points as cashback to your card (or send them to friends), use them for Aldar mall gift cards, Khidmah services or charity, or put them towards a higher Darna tier.
Where do I earn the 10% rate?+
At eligible Aldar Malls and Aldar Hospitality entities (200 Darna Points per AED 100). Aldar Education and Aldar Development payments earn the local rate of 1.5% (30 points per AED 100), international spend outside the EEA earns 2%, and EEA spend earns 0.25%.
Which spending earns the least?+
ADIB's "specific merchants" earn 5 Darna Points per AED 100 (0.25%): supermarkets, government services (fines, taxes), utilities, education, petrol stations, real estate agents, public transport, road tolls/Salik and charities.
Does it include airport lounge access?+
Yes — unlimited complimentary access to over 1,000 lounges in more than 300 cities for the cardholder and one guest, through the Visa Airport Companion app.
Is the card Sharia-compliant?+
Yes. ADIB Aldar cards are covered cards structured free from interest (riba). If you don't pay in full, a fixed monthly profit rate of 3.75% (45.63% APR) applies; paying the full balance within the up-to-55-day grace period avoids it.
How do I apply, and what salary do I need?+
The "Apply Now" button on ADIB's Aldar page sends you to the ADIB mobile app, or you can apply at a branch. Bring your passport, Emirates ID, three months of bank statements and a salary certificate under 30 days old. ADIB doesn't publish a card-specific minimum salary; its covered-card Key Facts Statement sets AED 5,000 a month as the general floor.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.