Abu Dhabi Islamic Bank credit cards

• Earn 4% cashback on groceries, fuel, dining, education and utilities
• Cashback capped per category (AED 100-300/month), up to AED 1,000 total

Updated July 2026

• Earn 6% back at MAF destinations (Carrefour, City Centre malls, dining) and 2% on all other local and international spend
• Unlimited airport lounge access for cardholder + 1 guest across 1,000+ lounges worldwide

Updated July 2026

• Earn 4% back at Carrefour and MAF malls, 3.25% dining at MAF destinations
• 1.25% back on local and international spend (0.25% on utilities/govt/transport)

Updated July 2026

• Earn 1 Exceed Reward per AED 100 on international spend, 0.5 on UAE spend
• 1 Exceed Reward = AED 2, redeemable instantly for flights, vouchers and bills

Updated July 2026

• Earn 1.5 Exceed Rewards per AED 100 on international spend, 0.5 on UAE spend (1 Reward = AED 2)
• 2 complimentary airport lounge visits a year via LoungeKey (850+ lounges)

Updated July 2026

• Earn 12 Smiles Points per AED 5 on Smiles App, 6 on international, 4 on local spend
• Redeem points for food, groceries, vouchers, devices, flights and Etisalat bills

Updated June 2026

• Earn 30 Smiles Points per AED 5 on Smiles App, 15 on international, 10 on local spend
• Unlimited global airport lounge access via Visa Airport Companion

Updated July 2026

• Earn 2.5 Exceed Rewards per AED 100 on airlines, 1.0 on international spend, 0.5 locally
• Free Booking.com Genius status, extra 10% off select hotels

Updated July 2026

• Earn 3 Skywards Miles per AED 3.68 on Emirates/flydubai, 2 on foreign spend, 1.5 local
• Complimentary Skywards Silver (Business lounge access); fast-track to Gold with USD 5,000 Emirates spend

Updated July 2026

• Earn 2.5 Skywards Miles per AED 3.68 on Emirates/flydubai, 1.5 on foreign spend, 1 on local
• Complimentary Skywards Silver tier: Business Class lounge access, 25% bonus miles, priority boarding

Updated July 2026

• Earn 1.5 Etihad Guest Miles per AED 4 on international spend, 1 on local
• Fast-track to Etihad Guest Silver after 4 return flights within 12 months

Updated July 2026

• Earn 3.5 Etihad Guest Miles per AED 4 on Etihad & foreign spend, 2.5 on local
• Complimentary Silver Tier; fast-track to Gold with AED 4,500 Etihad spend in year one

Updated July 2026

• Earn 3 Etihad Guest Miles per AED 4 on international spend, 2.2 on local
• Fast-track to Etihad Guest Gold after 2 return Etihad flights within 12 months

Updated July 2026