ADIB SHARE Visa Infinite
Earn 10,000 bonus SHARE Points worth 1,000
at ADIB's secure site
See rates & fees.
Rewards rate
"If your trolley comes from Carrefour and your weekends happen at City Centre, no UAE card out-earns this one there — 6% ongoing, 12% to start, and a genuine 2% floor elsewhere. Just respect the 999 fee maths: it needs roughly 1,400 a month of MAF spend to pay for itself, or 75,000 a year of total spend to disappear."
Earning and redeeming SHARE Points
SHARE is Majid Al Futtaim's loyalty programme, and ADIB is an official banking partner. The Infinite earns 6% back in SHARE Points at Carrefour (in-store and online), Mall of the Emirates, every City Centre mall, Ski Dubai, Magic Planet and all MAF brands — doubled to 12% for your first 90 days if you apply between 15 May and 31 December 2026. Other local spend earns a solid 2%, as does international spend outside Europe; EEA merchants and the "specific merchants" list — supermarkets, fuel, government, utilities, education — drop to 0.5%.
Redemption is instant and simple: 1 SHARE Point = 0.10, spendable at any Majid Al Futtaim merchant through the SHARE app — pay entirely with points or points plus cash, with no minimum. There are no transfer partners and no award charts, which also means no way to move value outside the MAF ecosystem.
Rates and fees
- Annual fee
- 999 + 5% VAT. From year 2, reversed if you spent 30,000 in non- or 75,000 total the previous year
- Welcome bonus
- 10,000 SHARE Points ( 1,000), credited within 60 days of first-year fee payment; activate and transact within 30 days
- Monthly profit rate
- 3.75% fixed murabaha profit (45.63% APR); may be offset by STI profit and a discretionary bank bonus when you pay in full
- Grace period
- Up to 55 days from the transaction date
- Foreign transaction fee
- 2.3% non- service fee, added to Visa's wholesale rate plus Visa's own charges; -denominated international transactions 2.75%
- Cash withdrawal
- 3% of the amount (minimum 99); up to 100% of the cover limit
- Late payment
- 100 donation commitment to charity (no VAT)
- Minimum payment
- 5% of the outstanding amount, minimum 100
- Supplementary cards
- First 4 free; 999/year from the 5th card
- Minimum income
- 5,000/month — the Central Bank floor stated in the KFS; ADIB publishes no card-specific requirement
Figures from the ADIB SHARE Visa Covered Cards Key Facts Statement (V1, December 2025) and the ADIB Covered Cards Schedule of Charges; ADIB fees are exclusive of 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.
Valet parking, 4x a month
Free valet through Valtrans at key UAE locations, four times a month — just flash 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.
24-hour Visa concierge
A personal travel assistant around the clock for bookings and practical arrangements.
Roadside assistance
Free roadside assistance inside the UAE, three times a year.
School fee instalments
Pay school or university fees on the card and split them into monthly instalments, anytime.
Pros and cons
- 6% back at Carrefour, Mall of the Emirates, City Centre malls, Ski Dubai and Magic Planet — doubled to 12% for the first 90 days until 31 Dec 2026
- Strong 2% base rate on other local spend, instantly redeemable (1 point = 0.10, no minimum)
- Unlimited airport lounge access for cardholder plus one guest
- 10,000-point welcome bonus ( 1,000) plus Visa travel medical and inconvenience cover
- Sharia-compliant covered card; annual fee reversed from year 2 at 75,000 total or 30,000 non- spend
- 999 annual fee (plus 5% VAT) is payable every year unless you hit the spend-based reversal
- Steep 3.75% fixed monthly murabaha profit rate (45.63% APR) if you don't settle in full
- Supermarkets outside Carrefour, fuel, government, utilities and education earn just 0.5%
- 2.3% non- transaction service fee — added on top of Visa's own rate and charges — and EEA spend earns only 0.5%
- SHARE Points are locked to the Majid Al Futtaim ecosystem — no miles or cash conversion
Is it right for you?
Get this card if
- Carrefour and Majid Al Futtaim malls take a big share of your monthly budget
- You want a Sharia-compliant card with premium perks — unlimited lounge access with a guest, valet, concierge
- You can clear 75,000 a year in spend so the fee disappears from year 2
Consider skipping it if
- Your supermarket is Lulu, Spinneys or Union Coop — those earn 0.5% here
- You carry a balance — the fixed 3.75% monthly profit rate is among the UAE's highest
- Your MAF spend is modest — the SHARE Platinum keeps most of the formula at 199
Alternatives to consider
The same Sharia-compliant SHARE formula at 3% back for an 199 fee — better below ~ 1,400 a month of MAF spend.
See the ADIB SHARE Visa Platinum →
Emirates NBD's SHARE Signature earns 6% at MAF malls and Carrefour with no annual fee — but only 1% elsewhere and it isn't Islamic.
See the Emirates NBD SHARE Visa Signature →
ADIB's Skywards Infinite turns the same Sharia-compliant spending into Emirates flights instead of mall credit.
Best Emirates Skywards 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
Does the ADIB SHARE Visa Infinite have an annual fee?+
Yes — AED 999 plus 5% VAT. From the second year onwards the fee is reversed if you spent the equivalent of AED 30,000 in non-AED transactions, or AED 75,000 in total local and international spend, in the previous year.
What is the welcome bonus?+
10,000 SHARE Points, worth AED 1,000. It is credited within 60 days of paying the first-year annual fee, and you must activate the card and make your first retail transaction within 30 days of issuance. It doesn't apply to card reissuances.
What is the limited-time 12% offer?+
Apply between 15 May and 31 December 2026 and you earn double points — 12% instead of 6% — at Carrefour, Mall of the Emirates, all City Centre malls, Ski Dubai and Magic Planet during your first 90 days. The promotional points are credited by 30 April 2027.
How much are SHARE Points worth?+
1 SHARE Point = AED 0.10, so 6% back means AED 6 per AED 100 spent at Majid Al Futtaim destinations. Points redeem instantly at any MAF merchant via the SHARE app, with no minimum.
Is the card Sharia-compliant?+
Yes. It is a covered card based on a commodity murabaha structure, approved by ADIB's Internal Shari'a Supervisory Committee. The fixed 3.75% monthly profit may be offset by short-term investment profit and a discretionary bank bonus when you pay your balance in full.
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.
What do supermarkets, fuel and government payments earn?+
Just 0.5% back. ADIB's "specific merchants" list covers supermarkets (outside Carrefour), government services, utilities, education, petrol stations, real estate agents, public transport, Salik and charities.
What is the minimum salary?+
ADIB doesn't publish a card-specific salary requirement. The Key Facts Statement states the UAE Central Bank minimum monthly income of AED 5,000 for covered-card eligibility; approval is at the bank's discretion.
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.