RewardsIslamic
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, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 103.95
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Exceed Rewards
Material
Plastic
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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More from Abu Dhabi Islamic Bank
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ADIB Exceed Visa Platinum Covered
- 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
AED 208.95/yrView card
Updated September 2026