ADIB Exceed Visa
Earn Exceed Rewards on every spend
at ADIB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
" 99 a year is close to the floor for a Sharia-compliant rewards card, and the instant app redemption with no minimum threshold is genuinely user-friendly. But the earn rates are thin — 0.5 per 100 at home, a quarter of that on groceries, fuel and bills — and ADIB never publishes what a point is worth. Take it as a cheap Islamic daily card; the 100 jump to the Platinum buys the actual travel perks."
Earning and redeeming Exceed Rewards
The structure mirrors the Platinum at softer rates: 1.0 Exceed Rewards per 100 internationally, 0.5 per 100 at home, and a long 'Specific Merchants' list — supermarkets, government services, utilities, education, petrol stations, real estate agencies, public transport, Salik and charities — earning just 0.125 per 100. Europe is the trap to know about: spend in EEA countries earns 0.125, not the international rate, per Visa's country classification.
Redemption is the programme's best feature: points convert instantly in the ADIB mobile app to utility bill payments (DEWA, Etisalat, du), retail and online shopping vouchers, or money towards flights and hotels — no minimum threshold, no blackout dates. Points land within 45 days of your billing cycle and last three years. What ADIB does not publish is the value of a point, so treat the earning as a bonus rather than a reason to choose the card.
Rates and fees
- Annual fee
- 99 per year, plus 5% VAT — no first-year waiver advertised
- Profit rate
- 3.75% per month fixed Murabaha rate (45.63% APR); ADIB may waive it fully or partially each month at its discretion when you pay in full
- Grace period
- Up to 55 days from the transaction date
- Minimum salary
- 5,000 per month (UAE Central Bank minimum; age 21+)
- Foreign transaction fee
- 2.3% on non- transactions, added to Visa's wholesale rate and Visa's own fee; 1.99% if you pay in abroad (DCC)
- Cash withdrawal fee
- 3% of the amount (minimum 99) — cash withdrawals earn no rewards
- Late payment
- 100 donation commitment to charity (VAT not applicable) — ADIB's Sharia-compliant alternative to a late fee
- Minimum payment
- 5% of the utilized amount or 100, whichever is higher, plus any instalment due
- Supplementary cards
- First 4 free; 99 each from the 5th card onwards
- Card network
- Visa — covered card (commodity Murabaha, 10-year tenor)
Rates verified against ADIB's Covered Cards Key Facts Statement (V10, Dec 2024) and Schedule of Charges (V-43, March 2026); fees are VAT-exclusive. Always confirm on adib.ae before applying.
Card benefits
Exceed Rewards on every spend
0.5 Exceed Rewards per 100 in the UAE and 1.0 per 100 internationally, redeemed instantly in the ADIB mobile app.
Roadside assistance
Free roadside assistance within the UAE once a year — call 600-542010 to use it.
Sharia-compliant structure
A covered card built on a fully disclosed commodity Murabaha contract, with an optional Takaful protection scheme.
School fee instalments
Split school and university fees paid on the card into monthly instalments, anytime.
Instant redemption
Convert points to utility bill payments, shopping vouchers, flights and hotel bookings — no minimum threshold or blackout dates.
Free supplementary cards
Up to four supplementary cards at no charge for family members; the annual fee applies only from the fifth card.
Pros and cons
- Very low 99 annual fee for a Sharia-compliant rewards card
- Covered-card structure on a fully disclosed commodity Murabaha contract
- 1.0 Exceed Rewards per 100 abroad — double the domestic rate
- Instant redemption in the ADIB app for utility bills, vouchers and flights, with no minimum threshold
- Free roadside assistance in the UAE once a year, plus school-fee instalments
- Supermarkets, fuel, utilities, education and government payments earn almost nothing (0.125 per 100)
- European Economic Area spend drops to the reduced 0.125 rate — the 1.0 international rate excludes Europe
- High 3.75% fixed monthly profit rate (45.63% APR); the waiver when you pay in full is at the bank's discretion
- 2.3% fee on non- transactions plus Visa's own conversion fee
- No lounge access, no travel insurance, and no published value for an Exceed Reward
Is it right for you?
Get this card if
- You want the cheapest Sharia-compliant rewards card ADIB offers, at 99 a year.
- You pay your balance in full every month and just want simple points on daily spend.
- Roadside assistance and school-fee instalments matter more to you than travel perks.
Consider skipping it if
- Your spending is mostly groceries, fuel, bills and school fees — those earn a token 0.125 per 100.
- You carry a balance — the fixed 3.75% monthly profit rate (45.63% APR) is among the market's highest.
- You travel even a little — 100 more buys the Platinum's 2 lounge visits and a 50% higher international rate.
Alternatives to consider
100 more a year buys 2 LoungeKey lounge visits and lifts the international rate from 1.0 to 1.5 per 100 — the better Exceed card for anyone who flies.
ADIB's Smiles Classic is free for life — a Sharia-compliant card with no annual fee at all if even 99 feels unnecessary.
Best no-annual-fee cards →
Same bank, same Sharia-compliant structure, but rewards paid as cashback with a clear value instead of unpriced Exceed points.
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 Exceed Visa card?+
AED 99 per year, plus 5% VAT. The first four supplementary cards are free; from the fifth supplementary card onwards the same AED 99 fee applies.
What is the minimum salary for the ADIB Exceed Visa?+
AED 5,000 per month, the UAE Central Bank minimum for covered cards. You must also be at least 21 years old.
Is the ADIB Exceed Visa Sharia-compliant?+
Yes. It is a covered card, ADIB's fully Sharia-compliant credit card structure, based on a commodity Murabaha contract over a 10-year tenor with the cost and profit fully disclosed upfront.
How do I earn Exceed Rewards with this card?+
0.5 Exceed Rewards per AED 100 spent in the UAE, 1.0 per AED 100 (or equivalent) internationally, and 0.125 per AED 100 at 'Specific Merchants' — supermarkets, government services, utilities, education, petrol stations, real estate agencies, public transport, Salik and charities. EEA countries also earn the reduced 0.125 rate.
Does the ADIB Exceed Visa have airport lounge access?+
No. Lounge access starts with the Exceed Visa Platinum, which includes 2 free LoungeKey visits per year for AED 199 annually.
What is the profit rate on the ADIB Exceed Visa?+
A fixed 3.75% monthly Murabaha profit rate (45.63% APR). ADIB may waive it fully or partially each month — via STI account profit and a discretionary bonus — typically when you pay your balance in full by the due date, with up to 55 days grace.
How do I redeem Exceed Rewards?+
Instantly in the ADIB mobile app: pay utility bills (DEWA, Etisalat, du), get retail or online shopping vouchers, or put points towards flights and hotel bookings. There is no minimum redemption threshold.
Do Exceed Rewards expire?+
Points are credited within 45 days of your billing cycle and remain valid for three years from the date they were earned.
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.