ADIB Smiles Visa Signature
70,000 Smiles points upon sign-up
at ADIB's secure site
Terms & conditions apply. See rates & fees.
Rewards
"This is a first-year card. The 70,000-point bonus, Smiles Unlimited trial and unlimited lounges are worth well over the 1,199 fee — but from year two you're paying premium money for a card with no published earn rate, so set a renewal reminder and re-run the maths."
Earning and redeeming Smiles points
Unusually for a co-brand card, ADIB publishes no per- earn rate on Smiles covered cards. Rewards come in lumps instead: 70,000 Smiles points on sign-up, then 10,000 points each quarter in which you spend 25,000 on the card — a maximum of 40,000 points a year, and nothing for a quarter where you fall short. The bank also notes points are granted at its discretion from shareholders' funds.
Redemption is the strong half of the story. Smiles points spend like money inside the Smiles app — food and grocery orders, home services, vouchers, devices and etisalat bills — and stretch to flights on 1,000+ airlines and 50,000+ hotels worldwide. If your household already runs on Smiles, the points are genuinely liquid.
Rates and fees
- Annual fee
- 1,199 (plus 5% VAT); no first-year waiver advertised
- Welcome bonus
- 70,000 Smiles points on sign-up; 42,000 on the self-funded variant
- Quarterly bonus
- 10,000 Smiles points per quarter, only when quarterly spend reaches 25,000
- 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
- Minimum salary
- 20,000 per month
- Cash withdrawal
- Up to 100% of the cover limit; fee of 3% of the amount (minimum 99)
- Late payment
- 100 donation commitment to charity (no VAT); missed payments are reported to the credit bureau
- Supplementary cards
- Four free; 1,199 a year from the fifth card
- Card network
- Visa Signature
Rates verified against the ADIB Covered Cards Key Facts Statement (V14-A, April 2026) and adib.ae on August 21, 2026. Fees exclude 5% VAT unless stated. Always confirm on ADIB's site before applying.
Card benefits
70,000 Smiles points
A large sign-up bonus you can spend in the Smiles app on food delivery, groceries, vouchers, devices and etisalat bills.
Unlimited lounge access
Unlimited airport lounge visits globally through the Visa Airport Companion (VAC) app — download and register to see your lounges.
Smiles Unlimited — 90 days free
Buy 1 Get 1 dining offers, free food and grocery delivery and waived home-service fees for your first 90 days ( 199 value).
Valet parking
Four complimentary standard valet visits every month at selected locations.
Roadside assistance
Free 24/7 roadside help: unlimited city-limit towing, 3 inter-emirate tows a year, jump starts, flat tyres, lock-outs, fuel delivery and vehicle registration transport.
Family travel cover
Multi-trip cover for you, your spouse and up to 5 children — medical, personal and travel inconvenience — plus purchase protection up to USD 2,500 per occurrence.
Pros and cons
- Big 70,000-point Smiles welcome bonus
- Unlimited global lounge access via Visa Airport Companion
- Free valet parking 4 times a month and 24/7 roadside assistance
- Multi-trip travel cover for the family plus medical assistance
- Smiles points redeem widely — flights, hotels, food delivery, vouchers and etisalat bills
- 1,199 annual fee with no first-year waiver advertised
- No published per- earn rate — ongoing rewards are only the quarterly bonus
- The quarterly bonus needs 25,000 spend every quarter ( 100,000 a year)
- Smiles points are awarded at ADIB's discretion, and the self-funded variant gets only 42,000 welcome points
- High 20,000 minimum salary
Is it right for you?
Get this card if
- You already order food, groceries and home services through the Smiles app most weeks.
- You'll reliably spend 25,000 a quarter on the card to trigger the bonus.
- You want unlimited lounges, valet and roadside assistance bundled with the points.
Consider skipping it if
- You want rewards that scale with spending — there's no published per- earn rate.
- Your quarterly spend hovers below 25,000, which would leave the fee uncovered after year one.
- You earn under 20,000 a month — the Smiles Classic takes salaries from 5,000 with no fee.
Alternatives to consider
The Smiles Classic keeps the quarterly 10,000-point bonus and Smiles app redemptions with no annual fee — you give up the lounges and the big welcome bonus.
Best no-annual-fee cards →
ADIB's Booking.com Signature delivers the same unlimited lounge access, valet and family travel cover for a quarter of the fee — 299 a year.
Best lounge access cards →
At a similar tier, ADIB's Emirates Skywards Signature converts your spending into Skywards Miles with published earn rates.
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
How many Smiles points do I get for signing up?+
70,000 Smiles points upon sign-up, plus a complimentary 90-day Smiles Unlimited subscription. Note the bank's footnote: the self-funded version of the card earns a 42,000-point welcome bonus instead, and points are awarded at ADIB's discretion from shareholders' funds.
How do I keep earning Smiles points on this card?+
ADIB doesn't publish a per-dirham earn rate for Smiles covered cards. The ongoing reward is a 10,000-point quarterly bonus, paid only when you spend AED 25,000 on the card in that quarter.
What can I redeem Smiles points for?+
Through the Smiles app: food and grocery orders, home services, shopping vouchers, devices and etisalat bill payments — plus flights with over 1,000 airlines and stays at 50,000+ hotels worldwide.
What is the annual fee and minimum salary?+
AED 1,199 a year (plus 5% VAT) with a minimum salary of AED 20,000 a month. Supplementary cards are free up to four; a fifth costs AED 1,199 a year.
Does the card include lounge access?+
Yes — unlimited airport lounge access globally through the Visa Airport Companion (VAC) app; download and register 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. Card use is restricted to Sharia-compliant purchases.
What is Smiles Unlimited?+
etisalat's paid subscription tier of the Smiles app — Buy 1 Get 1 offers, free delivery on food and grocery orders and waived home-service fees. The card includes it free for the first 90 days (a AED 199 value).
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.