ADIB Booking.com Visa Signature
Unlimited lounges and 10% off Booking.com stays
at ADIB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"Price the perks and the maths is easy: unlimited lounges plus family travel cover for AED 299 undercuts most premium cards by a wide margin. Just don't apply for the points — everyday UAE spend earns half an Exceed Reward per AED 100, and ADIB won't even tell you what one is worth."
Earning and redeeming Exceed Rewards
The card earns through the ADIB Exceed Rewards Loyalty Program: 0.5 Exceed Rewards per AED 100 in the UAE, 1 per AED 100 internationally, and a headline 2.5 per AED 100 on airline tickets — though the airline rate is capped at 50 Exceed Rewards per transaction and 150 a month, so roughly AED 6,000 of flights exhausts it.
Mind the reduced-rate list: supermarkets, government services (fines, taxes), utilities, education, petrol stations, real estate, public transport, Salik and charities all earn just 0.125 per AED 100, and so does everything in the European Economic Area. Redemption happens instantly in the ADIB Mobile App against a rewards catalogue — ADIB publishes no per-point value, so treat the points as a light bonus on top of the card's travel perks rather than a reason to apply.
Rates and fees
- Annual fee
- AED 299 (plus 5% VAT); no first-year waiver advertised
- Monthly profit rate
- 3.75% fixed (45.63% APR) Murabaha profit, calculated on the full cover limit and waived fully or partially via investment profit and a discretionary bank bonus when you pay on time
- Grace period
- Up to 55 days from the transaction date when the balance is paid in full
- Foreign transaction fee
- 2.3% non-AED transaction service fee, added on top of Visa's exchange rate and fee; AED-priced international transactions carry a 2.75% service fee from 10 Sep 2026 (1.99% before)
- Cash withdrawal
- Up to 100% of the cover limit; fee of 3% of the amount (minimum AED 99)
- Late payment
- AED 100 donation commitment to charity (no VAT); missed payments are reported to the credit bureau
- Minimum monthly payment
- 5% of the outstanding amount, minimum AED 100
- Supplementary cards
- Four free; AED 299 a year from the fifth card
- Minimum salary
- Not published for this card — the Central Bank covered-card floor is AED 5,000/month
- Card network
- Visa Signature
Rates verified against the ADIB Covered Cards Key Facts Statement (V15, April 2026), Schedule of Charges (V-45, August 2026) and adib.ae on October 16, 2026. Fees exclude 5% VAT unless stated. Always confirm on ADIB's site before applying.
Card benefits
Unlimited lounge access
Unlimited airport lounge visits worldwide via the Visa Airport Companion (VAC) app — download and register to see your lounges.
Booking.com Genius Level 2
Instant Genius Level 2: an extra 10% off select Booking.com properties, plus free upgrades and breakfast at selected Genius properties when available. Registration required.
Family travel cover
Multi-trip cover for you, your spouse and up to 5 children — medical, personal and travel inconvenience — plus 24/7 medical assistance.
Valet parking
Free standard valet parking twice a month through Valtrans at key UAE locations; extra visits charged to the card.
24-hour concierge
A personal travel assistant for flights, hotels, transfers, car hire and tourist activities, around the clock.
Card protection & warranty
Cover against unauthorised card use (up to USD 2,500 per occurrence, USD 4,000 a year) and warranties extended to a combined 24 months.
Pros and cons
- Unlimited worldwide lounge access at a mid-tier AED 299 fee
- Instant Booking.com Genius Level 2 with an extra 10% off select hotels
- Multi-trip travel cover for the family plus 24/7 medical assistance
- Free valet parking twice a month via Valtrans
- Card fraud protection (up to USD 2,500 per incident) and a 24-month extended warranty
- Base earning is thin — 0.5 Exceed Rewards per AED 100 in the UAE
- Supermarkets, fuel, utilities, education and government spend earn almost nothing (0.125 per AED 100)
- Airline earning capped at 150 Exceed Rewards a month
- ADIB doesn't publish what an Exceed Reward is worth, and non-AED spend carries a 2.3% service fee
- EEA spend earns the same near-zero rate as penalty categories
Is it right for you?
Get this card if
- You want unlimited lounge access without paying a premium-card fee.
- You book hotels on Booking.com and will register for the Genius upgrade.
- You travel with family and value the multi-trip cover and assistance services.
Consider skipping it if
- You're chasing rewards value — the earn rates and unpublished point values won't reward big spending.
- Most of your budget goes to supermarkets, fuel, utilities or school fees, which earn 0.125 per AED 100.
- You carry a balance — the 3.75% monthly Murabaha profit rate will dwarf any perk value.
Alternatives to consider
ADIB's Etihad Guest Gold earns published Etihad Guest Miles with a big welcome bonus — a clearer rewards story at a similar price point.
Best Etihad Guest cards →
The Emirates NBD Skywards Infinite pairs unlimited lounges with strong Skywards earning — a bigger fee, but the miles actually add up.
Best travel cards →
ADIB's Cashback card pays a flat 4% on groceries, fuel, dining, education and utilities for just AED 99 a year.
Best cashback cards →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
What is the annual fee on the ADIB Booking.com Signature card?+
AED 299 a year (plus 5% VAT), per the ADIB Covered Cards Key Facts Statement. Supplementary cards are free up to four; a fifth costs AED 299 a year.
How does the Booking.com discount work?+
As a cardholder you get instant Booking.com Genius Level 2 status (normally requires 5 completed bookings): an extra 10% off select properties, plus free room upgrades and free breakfast at selected Genius properties when available, Genius-only deals and priority customer service. You need to register to activate the status.
How do I earn and redeem Exceed Rewards?+
You earn 0.5 Exceed Rewards per AED 100 in the UAE, 1 per AED 100 internationally (outside the EEA) and 2.5 per AED 100 on airlines (capped at 50 per transaction and 150 a month). Certain merchants — supermarkets, government services, utilities, education, petrol stations, real estate, public transport, tolls and charities — earn just 0.125. Redemption is instant through the ADIB Mobile App.
Does the card include airport lounge access?+
Yes — unlimited lounge access worldwide through the Visa Airport Companion (VAC) app, which you download and register with to see the lounges available to you.
Is the card Sharia-compliant?+
Yes. It's an ADIB covered card structured as a commodity Murabaha. A fixed 3.75% monthly Murabaha profit is calculated on the cover limit and waived fully or partially — via investment profit and a discretionary bank bonus — when you pay on time.
What travel insurance comes with the card?+
Multi-trip travel cover for you, your spouse and up to 5 children (age limit 75 per person), including medical, personal and travel inconvenience cover, plus 24/7 medical and travel assistance services. These benefits are at the bank's discretion and can change after notice.
What is the minimum salary for this card?+
ADIB doesn't publish a card-specific minimum salary on the product page. The Key Facts Statement lists only the UAE Central Bank's general covered-card floor of AED 5,000 monthly income — check your eligibility with ADIB before applying.
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.