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ADIB Cashback Visa Card

This card covers one of the widest ranges of everyday spending categories, making it a great choice for households that want to earn cashback effortlessly.

Card Snapshot:

Annual Fee: ​ ​ ​AED 105 per year
Card Type: ​ ​ ​​Visa®
Income Required: ​ ​AED 8,000 per month (not advertised)

Valet parking: ​ ​ ​✘ 
Per Trans. Rewards Tracking: ​✘ 
Airport Lounge: ​ ​ ​✔ (Limited)
Discounted Airport Transfer: ​​✘ 
Cinema Offer: ​ ​ ​​​​✘
No Min. Qualifying Spend: ​​​ ​✔
​No Annual Fee: ​ ​ ​​✘
Insurance: ​ ​ ​ ​✔
Golf:​ ​ ​ ​ ​ ​​✘


Earning Rates

  • 4% Cashback on Supermarket & Hypermarket (up to AED 300 per month)
  • 4% Cashback on School Fees (up to AED 300 per month)
  • 4% Cashback on Automobile Servicing/Gas (up to AED 300 per month)
  • 4% Cashback on Utility Bills (up to AED 100 per month)
  • 4% Cashback on Dining & Restaurants (up to AED 100 per month)

In total, AED 1,000 in cashback can be earned per statement cycle.

 


Perks

  • Xperiance App: Download the app and add your card to avail "buy-1-get-1" offers. 
  • Free roadside assistance including a rental car for 24 hours.



Details

The ADIB Cashback Card offers a broad range of cashback categories, making it a strong all-rounder for everyday spending.

You’ll earn 4% cashback on supermarket and hypermarket purchases, school and education expenses, car servicing and fuel, utility bills, and even dining. Cashback is capped at AED 1,000 per statement cycle and is credited as a statement credit at the end of the same month.

This card competes directly with the DIB Platinum and non-Platinum Cashback Cards. However, with DIB recently increasing both their annual fees and adding a minimum spend requirements, the ADIB Cashback Card stands out as the better option.

An added bonus: ADIB credits your cashback at the end of the current month, whereas DIB only does so at the end of the following month.

Perks: 

Xperiance App: Download the app and add your card to avail "buy 1 get 1" offers.

Free roadside assistance, including offering a rental car for 24 hours when involved in a car crash.


Our Take

For most people, this is a must-have second card. It offers 4% cashback across one of the widest sets of categories on the market, and it's the only card that gives cashback on both dining and utilities ( including telecom, gas etc.) with no minimum spend required.

When paired with the Wio Credit Card, you can earn up to 5% cashback on most of your daily expenses. Plus, Wio gives 2% cashback on all other spending, meaning nearly every category is covered between the two.

This combo is the perfect two-card strategy for anyone who prefers straightforward cashback over complex points systems.

ADIB Cashback Card




Abu Dhabi Islamic Bank

Abu Dhabi Islamic Bank (ADIB), founded in 1997, is a leading Sharia-compliant financial institution based in the UAE. It offers retail, corporate, and investment banking services to over 1.3 million customers, with operations in several countries including Egypt, the UK, and Saudi Arabia. 

ADIB emphasizes digital banking, with most transactions now conducted online, and is listed on the Abu Dhabi Securities Exchange.

 

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