ADIB Marriott Bonvoy Visa Signature
Earn 50,000 Marriott Bonvoy welcome points
at ADIB's secure site
Principal cardholders only; terms and conditions apply. See rates & fees.
Rewards rate
The cheapest Islamic route into Marriott Bonvoy status: Silver Elite, 10 night credits, lounge access and 35,000 points a year for AED 499. Use it for Marriott stays and travel — its 1.5x local earn won't make everyday spending rewarding.
Earning and redeeming Marriott Bonvoy points
Points go straight into your Marriott Bonvoy account: 3 per USD 1 (≈ AED 3.67) charged directly at participating Marriott hotels, 2 per USD 1 (≈ AED 3.67) on international spend (just 1 in the European Economic Area), 1.5 per USD 1 (≈ AED 3.67) in the UAE, and only 0.25 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, so the 50,000-point welcome bonus is worth about AED 400 and the 35,000 anniversary points about AED 280 — more if you redeem for peak-priced nights. 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 499 + 5% VAT; no first-year waiver advertised
- Welcome bonus
- 50,000 points — one-time offer for the principal cardholder
- 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 499 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
Silver Elite, path to Gold
Silver Elite from day one (10% bonus points, priority late checkout, free Wi-Fi); spend US$15,000 in a card year for Gold Elite.
10 Elite Night Credits a year
A 10-night head start towards the next Bonvoy tier, credited every year by 31 March.
35,000 anniversary points
35,000 Marriott Bonvoy points every card anniversary while your account is in good standing.
Unlimited lounge access
Unlimited visits for the cardholder to 1,000+ airport lounges worldwide, per ADIB's card comparison document.
Valet parking & airport transfers
Valtrans valet parking twice a month at key UAE locations, plus two airport transfers a year from anywhere in the UAE.
Points to airline miles
Convert Marriott Bonvoy points to miles with more than 40 airline partners.
Pros and cons
- Low AED 499 fee for a Marriott co-brand card with Silver Elite and 10 Elite Night Credits a year
- 35,000 Marriott Bonvoy points every card anniversary
- Gold Elite unlocked at US$15,000 of annual card spend
- Unlimited lounge access for the cardholder at 1,000+ airport lounges, plus valet parking and airport transfers
- Sharia-compliant covered card with four free supplementary cards
- Only 1.5 points per USD 1 (≈ AED 3.67) on local spend — about 0.33% back at Yajool's valuation
- Supermarkets, fuel, utilities, education and government payments earn just 0.25 points per USD 1 (≈ AED 3.67)
- The 2.3% non-AED fee outweighs the 2-point international earn
- No annual Free Night Award — that's reserved for the Infinite
- AED 499 is quoted before 5% VAT, with no first-year waiver advertised
Is it right for you?
Get this card if
- You stay at Marriott brands a few times a year and want Silver Elite with a realistic path to Gold
- You want a Sharia-compliant card with lounge access for under AED 500 a year
- You pay your balance in full every month
Consider skipping it if
- You want strong everyday earn — 1.5 points per USD 1 (≈ AED 3.67) locally is modest
- You would use an annual free night — only the Infinite includes one
- Most of your spend is groceries, fuel or school fees, which earn 0.25 points per USD 1 (≈ AED 3.67)
Alternatives to consider
Emirates NBD's no-annual-fee Marriott card also gives Silver Elite and 10 Elite Night Credits, plus a free night after US$6,000 of spend — but it's a conventional card, not Islamic.
Best Marriott Bonvoy cards →
ADIB's Skywards Signature keeps the Islamic covered-card structure and unlimited lounge access but earns Skywards Miles instead — for AED 1,500 a year.
Best Emirates Skywards cards →
The Infinite doubles local earn to 3 points per USD 1 (≈ AED 3.67) and adds Gold Elite, 15 night credits and an annual free night up to 85,000 points — for AED 2,500 a year.
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 Signature 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 499 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 499 applies from the fifth. No first-year waiver is advertised.
How many Marriott Bonvoy points does the card earn?+
Per US$1 (or equivalent): 3 points charged directly at participating Marriott hotels and Marriott-branded stores, 2 points on international spend outside the European Economic Area (1 point inside it), 1.5 points on UAE spend, and 0.25 points at 'Specific Merchants' — supermarkets, government services, utilities, education, petrol stations, real estate agents, public transport, Salik and charities.
How do I get the 50,000-point welcome bonus?+
ADIB's terms describe it as a one-time 50,000-point offer for the principal cardholder, with no spend threshold published. Points post within about 8 weeks, and the card account must be open and not delinquent. It isn't available to supplementary cardholders, if you cancel and re-apply, or if you downgrade from the Infinite.
What Marriott Bonvoy status do I get?+
Silver Elite from card-account opening (10% bonus points on stays, priority late checkout, free Wi-Fi), plus 10 Elite Night Credits every year. Spend US$15,000 in a card-account year and you're upgraded to Gold Elite (25% bonus points, enhanced upgrades, 2PM late checkout).
What do I get when I renew?+
35,000 Marriott Bonvoy points every card anniversary, starting with the first, as long as the card account is active and not delinquent. There is no annual Free Night Award on this card.
Does the card include airport lounge access?+
ADIB's card comparison document lists unlimited lounge access for the cardholder to over 1,000 airport lounges, plus Valtrans valet parking twice a month and two 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.