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 September 2026

• Earn 6% back in SHARE Points at Carrefour and all Majid Al Futtaim brands, 2% on other local and international spend
• Unlimited airport lounge access for cardholder plus 1 guest (1,000+ lounges, 300+ cities)

Updated September 2026

• Earn 3% SHARE Points at Carrefour and Majid Al Futtaim (malls, dining, Ski Dubai)
• 1.25% SHARE Points on other local and international spend (excluding EEA and restricted categories)

Updated September 2026

• Earn 1 Exceed Reward per AED 100 on international spend, 0.5 on UAE spend (1 Reward = AED 2)
• Low earn rate (0.125 per AED 100) on supermarkets, utilities, fuel, transport and government spend

Updated September 2026

• Earn 1.5 Exceed Rewards per AED 100 on international spend, 0.5 on UAE spend (1 Reward = AED 2)
• Low earn rate (0.125) on supermarkets, utilities, fuel, transport, government and education spend

Updated September 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, Etisalat bills, flights and hotels

Updated September 2026

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

Updated September 2026

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

Updated September 2026

• Earn 3 Skywards Miles per AED 3.68 on Emirates, flydubai and Emirates Holidays, 2 on foreign spend, 1.5 on local
• Complimentary Skywards Silver, fast-track to Gold on USD 5,000 Emirates spend, valid 12 months

Updated September 2026

• Earn 2.5 Skywards Miles per AED 3.68 on Emirates, flydubai and Emirates Holidays, 1.5 on foreign spend
• Complimentary Skywards Silver membership (Year 1, renewable with USD 2,500 Emirates spend)

Updated September 2026

• Earn 1.5 Etihad Guest Miles per AED 4 on international spend, 1 Mile on local spend
• 2 complimentary airport lounge visits a year via Visa Airport Companion

Updated September 2026

• Earn up to 3.5 Etihad Guest Miles per AED 4 on Etihad and foreign spend, 2.5 on local spend
• Complimentary Etihad Guest Silver Tier, fast-track to Gold on AED 4,500 Etihad spend in 12 months

Updated September 2026

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

Updated September 2026

• Earn 8 Bonvoy Points per USD at Marriott, 4 on international spend, 3 on local
• Automatic Gold Elite status, 15 Elite Night Credits, pathway to Platinum at USD 25,000 spend

Updated September 2026

• Earn up to 3 Marriott Bonvoy Points per USD at Marriott, 2 on international spend, 1.5 on local spend
• Automatic Silver Elite status, 10 Elite Night Credits yearly, Gold Elite pathway at USD 15,000 spend

Updated September 2026