Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
ADIB - Value Card ADIB - Value Card Minimum Salary: AED 5,000 Salary Transfer: No Islamic Finance: Yes Cashback: No Annual Fee: AED 0 Rate: 3.09%
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Rewards Program
  • Earn 1 reward point for 1 AED you spend on your card domestically, and earn 2 reward points on every 1 AED spent internationally.
  • Points earned can be used towards airline tickets, shopping mall vouchers, and Club Apparel gifts cards.
Redeem your ADIB Rewards Points against flight tickets on Any Airline, Any Destination, Anytime.

Shopping mall vouchers
Redeem your ADIB Rewards Points for shopping mall vouchers from the list of malls below in Abu Dhabi, Dubai, and Sharjah:
  • Dubai Festival City
  • Sahara Centre – Sharjah
  • Sharjah Mega Mall
  • Abu Dhabi Mall

Redemption Value: Every 10,000 points = 50; every 100,000 points = AED 1,000

Club Apparel gift card
Redeem your ADIB Rewards Points for Club Apparel gift card.

ADIB Dining offers
Enjoy up to 25% discount on dining across the UAE at participating restaurants

Purchase Protection
Customers are eligible for a refund up to USD 5,000 per item if purchases are accidentally broken, stolen, or damaged, within 365 days from the date of purchase.

Extended Warranty
Manufacturer or retailer’s warranty will be automatically extended on a range of goods for a combined total of 24 months.

Islamic Covered Card Takaful Scheme Protection
Optional Takaful cover provided to protect in the event of involuntary unemployment, death, permanent disability, critical illness and accidental medical expenses.
  • Get rewarded for your local and international spend
  • Redeem points earned for free flights and shopping vouchers
  • Enjoy up to 25% discount on selected dining outlets across the UAE.
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure​​​​​​​​
  • Free grace period up to 55 days to repay your outstanding balance
Additional Information
Required Documents:
  • Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer​ (not more than 30 days old)​
Representative Example
If you spend AED 1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Najm - ONE Cashback Credit Card
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AED 8,000
Najm - Platinum Plus Cashback Credit Card
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AED 7,000
Najm - Platinum Cashback Credit Card
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AED 7,000
HSBC - Cashback Credit Card
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AED 10,000