Abu Dhabi Islamic Bank
Exceed Visa Covered
The Exceed Visa Covered is a rewards credit card from Abu Dhabi Islamic Bank. It has an annual fee of AED 103.95.
Annual fee
AED 103.95
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Exceed Rewards
Material
Plastic
Minimum salary: Abu Dhabi Islamic Bank publishes no minimum salary for this card; AED 5,000 is the UAE's minimum for any credit card.
Card highlights
- 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
- Redeem instantly via ADIB Mobile App for flights, vouchers and utility payments
- Free roadside assistance within the UAE once a year
Earn rates
| Category | Rate |
|---|---|
| International spend | 2% |
| Travel | 1% |
| Retail | 1% |
| Dining & food | 1% |
| Online shopping | 1% |
| Supermarket | 0.25% |
| Fuel | 0.25% |
| Utilities | 0.25% |
| Education | 0.25% |
| Transport | 0.25% |
| Real estate | 0.25% |
Spend in the European Economic Area and the UK earns less on this card: about 0.25% back, against 2% on other international spend.
Benefits & perks
- •Free roadside assistance within UAE once a year
- •4 free supplementary cards
- •Easy payment plan (EPP) and balance transfer facilities
Every card is checked against official bank sources. Last updated September 2026.
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Questions people ask
What does the Abu Dhabi Islamic Bank Exceed Visa Covered earn?
An ADIB Islamic card with an AED 103.95 annual fee that earns Exceed Rewards worth about 2% on international spending outside the European Economic Area, 1% on UAE spending and 0.25% on supermarkets, fuel and everyday bills.
What does the Abu Dhabi Islamic Bank Exceed Visa Covered cost?
Annual fee AED 103.95 including VAT (AED 99 before VAT). No joining fee. 4 supplementary cards are free.
What does spending abroad cost on the Abu Dhabi Islamic Bank Exceed Visa Covered?
Spending abroad costs about 3.57% all in on non-AED transactions: ADIB's 2.3% Non-AED Transaction Service Fee plus 5% VAT (2.415%), plus 1.15% for Visa, which is Perkly's standard estimate because ADIB's schedule says its fee is charged in addition to Visa's without giving a figure. A transaction outside the UAE billed in AED carries ADIB's 2.75% instead (since 10 September 2026), which already includes Visa's charge; some ADIB product pages still show the older 1.99%. Spending in the European Economic Area earns 0.125 Exceed Rewards per AED 100, not 1.
What should I watch out for with the Abu Dhabi Islamic Bank Exceed Visa Covered?
UAE spending earns about 1%; the higher rate is only on international spending outside the European Economic Area. Supermarkets, fuel, utilities, public transport and Salik earn only about 0.25%. Spending in the European Economic Area also earns only about 0.25%.
More from Abu Dhabi Islamic Bank
ADIB Booking.com Visa Signature
- 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 October 2026