ADIB Marriott Bonvoy Visa Infinite
Earn up to 200,000 Marriott Bonvoy points
at ADIB's secure site
Second 100,000 points need US$15,000 of spend in 90 days; card must be issued by 15 Dec 2026. See rates & fees.
Rewards rate
The best Marriott card an Islamic banking customer can get: Gold Elite, 15 night credits, solid 3x local earn and a yearly free night. At AED 2,500 plus VAT it rewards people who actually stay with Marriott — and applying by 30 November makes you eligible for the full 200,000 points.
Earning and redeeming Marriott Bonvoy points
Points post straight to your Marriott Bonvoy account: 8 per USD 1 (≈ AED 3.67) charged directly at participating Marriott hotels, 4 per USD 1 (≈ AED 3.67) on international spend (1.5 in the European Economic Area), 3 per USD 1 (≈ AED 3.67) in the UAE and 0.5 per USD 1 (≈ AED 3.67) at supermarkets, petrol stations, utilities, schools, government services, real estate agents, public transport, Salik and charities.
Yajool values Bonvoy points at roughly AED 0.008 each: the full 200,000-point welcome offer is worth about AED 1,600 and the 85,000-point Free Night Award about AED 680 — more at peak-priced hotels. Redeem at 9,100+ hotels across 30+ brands or convert to miles with 40+ airline partners; points don't expire while your account has activity at least every 24 months.
Related: Best Marriott Bonvoy credit cards
Rates and fees
- Annual fee
- AED 2,500 + 5% VAT; no first-year waiver advertised
- Welcome bonus
- Up to 200,000 points — 100,000 on issuance and a first purchase within 30 days + 100,000 after US$15,000 of spend in 90 days (limited-time; apply by 30 Nov 2026)
- Monthly profit rate
- 3.75% fixed Murabaha monthly profit (45.63% APR); may be waived fully or partly when you pay in full, at the bank's discretion
- Grace period
- Up to 55 days from the transaction date
- 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
- Cash withdrawal fee
- 3% of the amount (minimum AED 99); withdrawals earn no points
- Late payment
- AED 100 donation to charity (no VAT)
- Minimum payment
- 5% of the balance (minimum AED 100)
- Supplementary cards
- First 4 free until further notice; AED 2,500 from the 5th card
- Optional Takaful cover
- 0.77 fils per AED 100 of utilized cover per month
- Card replacement
- AED 75 (free if you hand in the damaged card)
Figures from the ADIB Covered Cards Key Facts Statement, Schedule of Charges (V-45, Aug 2026) and Covered Card Terms & Conditions (V-30, Aug 2026); 5% VAT applies to fees unless stated otherwise. Verify with ADIB before applying.
Card benefits
Gold Elite, path to Platinum
Gold Elite from day one (25% bonus points, room upgrades, 2PM late checkout); spend US$25,000 in a card year for Platinum Elite.
Annual Free Night Award
One standard-room night at hotels up to 85,000 points each year after you pay the annual fee; top up with up to 25,000 points.
15 Elite Night Credits
A 15-night head start towards the next Bonvoy tier, credited every year by 31 March.
US$100 property credit
Up to US$100 to spend in-hotel on 2+ night stays at The Ritz-Carlton and St. Regis booked at the dedicated card rate.
Lounge access with a guest
Unlimited visits for you and one guest to 1,000+ airport lounges, per ADIB's card comparison document.
Valet parking & airport transfers
Valtrans valet parking four times a month at key UAE locations, plus four airport transfers a year.
Pros and cons
- Up to 200,000 Marriott Bonvoy welcome points during the current offer
- Gold Elite from day one, 15 Elite Night Credits a year and Platinum Elite at US$25,000 of annual spend
- Annual Free Night Award at hotels up to 85,000 points
- 3 points per USD 1 (≈ AED 3.67) on local spend — about 0.65% back, on par with the conventional World Elite rival
- Unlimited lounge access for you and a guest, four valet parkings a month and four airport transfers a year
- AED 2,500 + 5% VAT a year with no first-year waiver advertised
- The second 100,000 points need US$15,000 (about AED 55,000) of spend within 90 days
- Supermarkets, fuel, utilities and education earn only 0.5 points per USD 1 (≈ AED 3.67)
- The 2.3% non-AED fee outweighs the 4-point international earn
- The limited-time 50,000 bonus ends with applications on 30 November 2026
Is it right for you?
Get this card if
- You stay at Marriott hotels several times a year and value Gold Elite perks
- You can put US$15,000 on the card in the first 90 days and apply by 30 November 2026
- You'll use the annual free night at a hotel priced well above AED 680
- You pay your balance in full every month
Consider skipping it if
- AED 2,500 + VAT a year is more than the perks you would realistically use
- You rarely stay at Marriott — the points shine only there
- Most of your spend is groceries, fuel or school fees, which earn 0.5 points per USD 1 (≈ AED 3.67)
Alternatives to consider
Emirates NBD's World Elite matches Gold Elite and 15 night credits, with a smaller 50,000-point annual free night, for AED 1,575 incl. VAT — but it's an interest-bearing card.
Best Marriott Bonvoy cards →
ADIB's Skywards Infinite keeps the Islamic covered-card structure and unlimited lounges, earning Skywards Miles and Silver tier instead.
Best Emirates Skywards cards →
The AED 499 Signature still gives you Silver Elite, lounge access and 35,000 anniversary points — enough if you stay with Marriott only occasionally.
Best Marriott Bonvoy 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
Is the Marriott Bonvoy® ADIB Visa Infinite Card Sharia-compliant?+
Yes. It is an ADIB covered card — a Sharia-compliant structure based on a commodity Murabaha contract, supervised by ADIB's Internal Shari'a Supervisory Committee. It cannot be used for non-Sharia-compliant purchases such as alcohol or gambling.
What is the annual fee?+
AED 2,500 a year plus 5% VAT, per ADIB's Key Facts Statement and Schedule of Charges. The first four supplementary cards are free until further notice; AED 2,500 applies from the fifth. No first-year waiver is advertised.
How does the 200,000-point welcome offer work?+
It's a limited-time offer for applications from 27 August to 30 November 2026, with the card issued by 15 December 2026: 100,000 points on card issuance (the product page adds a first retail transaction within 30 days), plus 100,000 more after US$15,000 of retail spend in the first 90 days — the standard 50,000 plus a 50,000 limited-time bonus. Outside the campaign the total is up to 150,000. Upgrades from the Signature and supplementary cardholders don't qualify.
How many Marriott Bonvoy points does the card earn?+
Per US$1 (or equivalent): 8 points charged directly at participating Marriott hotels and Marriott-branded stores, 4 points on international spend outside the European Economic Area (1.5 inside it), 3 points on UAE spend, and 0.5 points at 'Specific Merchants' — supermarkets, government services, utilities, education, petrol stations, real estate agents, public transport, Salik and charities.
What Marriott Bonvoy status do I get?+
Gold Elite from card-account opening (25% bonus points on stays, enhanced room upgrades, 2PM late checkout), plus 15 Elite Night Credits every year. Spend US$25,000 in a card-account year to move up to Platinum Elite (55% bonus points, 4PM late checkout and a choice of welcome gift).
How does the annual Free Night Award work?+
Each year, 8-10 weeks after you pay the annual fee at your card anniversary, you receive a Free Night Award for one standard-room night at a participating hotel costing up to 85,000 points. You can add up to 25,000 of your own points for a pricier hotel. It's valid for 12 months and unused value is forfeited.
What is the US$100 property credit?+
Book a stay of two nights or more at The Ritz-Carlton or St. Regis directly with Marriott at the '$100 Property Credit, Luxury Credit Card Rate', pay with the card at checkout, and you get up to US$100 off in-hotel spend such as dining. It doesn't cover the room rate, taxes or third-party outlets, and applies once per booking.
Does the card include airport lounge access?+
ADIB's card comparison document lists unlimited lounge access for the cardholder and one guest companion to over 1,000 airport lounges, plus Valtrans valet parking four times a month and four airport transfers a year. The product page doesn't detail these perks, so confirm the access method with ADIB.
What is the minimum salary required?+
ADIB does not publish a card-specific minimum salary for this card. Its Key Facts Statement sets a minimum monthly income of AED 5,000 for covered cards in general; the bank assesses eligibility case by case — confirm directly with ADIB.
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.