ADIB Smiles Visa Signature
70,000 Smiles points upon sign-up
at ADIB's secure site
Terms & conditions apply. See rates & fees.
Rewards
"The first year is excellent: 70,000 points, a Smiles Unlimited trial and unlimited lounges are worth well over the AED 1,199 fee. After that, 2 points per dirham — 6 on the Smiles app — has to carry the fee, so it only keeps paying if Smiles is where your household already spends."
Earning and redeeming Smiles points
ADIB doesn't print earn rates on the product page, but its Covered Card Terms and Conditions and card comparison sheet do: 10 Smiles points per AED 5 spent in the UAE (2 per dirham), 15 per AED 5 abroad (6 in the European Economic Area) and 30 per AED 5 on the Smiles app. 'Specific merchants' — supermarkets, government services, utilities, education, petrol stations, real estate agents, public transport, Salik and charities — drop to 1 point per AED 5.
On top come the lumps: 70,000 points on sign-up (after a purchase within 30 days of receiving the card), then 10,000 bonus points for each 90-day quarter in which you spend AED 25,000. Points are granted at ADIB's discretion from shareholders' funds and credited by etisalat within 60 business days of the statement date.
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
- AED 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
- Earn rate
- 10 Smiles points per AED 5 in the UAE; 15 abroad (6 in the EEA); 30 on the Smiles app; 1 per AED 5 at supermarkets, fuel, utilities, government, education and other 'specific merchants'
- Quarterly bonus
- 10,000 Smiles points per 90-day quarter (counted from card issuance), only when that quarter's spend reaches AED 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
- Foreign transaction fee
- 2.3% service fee on non-AED transactions on top of the Visa rate; 2.75% on AED-priced transactions made abroad (from 10 September 2026)
- Minimum salary
- AED 20,000 per month
- Cash withdrawal
- Up to 100% of the cover limit; fee of 3% of the amount (minimum AED 99)
- Late payment
- AED 100 donation commitment to charity (no VAT); missed payments are reported to the credit bureau
- Supplementary cards
- Four free; AED 1,199 a year from the fifth card
- Card network
- Visa Signature
Rates verified against ADIB's Covered Cards Key Facts Statement (V15, April 2026), Schedule of Charges (V-45, August 2026), Covered Card Terms and Conditions (V-30, August 2026), card comparison sheet (V11, February 2026) and adib.ae on October 16, 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 (AED 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 cover against fraudulent card use up to USD 2,500 per occurrence and manufacturer warranties extended to a combined 24 months.
Pros and cons
- Big 70,000-point Smiles welcome bonus
- 10 Smiles points per AED 5 locally, 15 abroad and 30 on the Smiles app
- 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
- AED 1,199 annual fee with no first-year waiver advertised
- Supermarkets, fuel, utilities, government services and education earn just 1 point per AED 5
- The quarterly bonus needs AED 25,000 spend every quarter (AED 100,000 a year)
- Smiles points are awarded at ADIB's discretion, and the self-funded variant gets only 42,000 welcome points
- High AED 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 AED 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
- Most of your spend is groceries, fuel, utilities and school fees — those earn just 1 point per AED 5.
- You won't use the lounges, valet or Smiles app enough to cover AED 1,199 a year after the welcome bonus.
- You earn under AED 20,000 a month — the Smiles Visa Classic takes salaries from AED 5,000 with no fee.
Alternatives to consider
The Smiles Visa Classic keeps the 10,000-point quarterly bonus and Smiles app redemptions with no annual fee — you give up the lounges and the big welcome bonus, and earn 4 points per AED 5 instead of 10.
Best no-annual-fee cards →
ADIB's Booking.com Signature gives the same unlimited lounge access and family travel cover, plus valet twice a month (not four), for a quarter of the fee — AED 299 a year.
Best lounge access cards →
At a similar tier, ADIB's Emirates Skywards Signature turns your spending into Skywards Miles instead of Smiles points.
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, credited once you make a qualifying purchase within 30 days of receiving the card, plus a complimentary 90-day Smiles Unlimited subscription. The self-funded version of the card gets 42,000 points instead, sign-up points are paid only once (not again if you re-apply or upgrade), and points are awarded at ADIB's discretion from shareholders' funds.
How do I keep earning Smiles points on this card?+
Every eligible purchase earns points: 10 Smiles points per AED 5 spent in the UAE, 15 per AED 5 abroad (6 in the European Economic Area), 30 per AED 5 on the Smiles app, and 1 per AED 5 at 'specific merchants' — supermarkets, government services, utilities, education, petrol stations, real estate agents, public transport, Salik and charities. On top, you get 10,000 bonus points for each 90-day quarter (counted from card issuance) in which you spend AED 25,000. The rates come from ADIB's Covered Card Terms and Conditions and can be changed by ADIB and etisalat.
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 for the cardholder at more than 1,000 lounges worldwide, through the Visa Airport Companion (VAC) app; download and register to see the lounges available to you. ADIB doesn't mention free guest visits.
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.