RewardsIslamic
Abu Dhabi Islamic Bank
Smiles Visa Classic
The Smiles Visa Classic is a rewards credit card from Abu Dhabi Islamic Bank. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Smiles Points
Material
Plastic
Card highlights
- 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
- Free-for-life card with optional Takaful cover
Earn rates
| Category | Rate |
|---|---|
| International spend | 1.2% |
| Travel | 0.8% |
| Retail | 0.8% |
| Dining & food | 0.8% |
| Online shopping | 0.8% |
| Supermarket | 0.2% |
| Fuel | 0.2% |
| Utilities | 0.2% |
| Education | 0.2% |
| Transport | 0.2% |
| Real estate | 0.2% |
Current welcome offer
Earn 5,000 Smiles points on sign-up
- 10,000 Smiles points quarterly bonus when you spend AED 25,000 per quarter
Benefits & perks
- •Free-for-life card (no annual fee)
- •4 free supplementary cards
- •Easy payment plan (EPP) with 0% profit over 3 to 12 months
- •Balance transfer at 0% for 3 or 12 months
- •Optional Takaful cover
Every card is checked against official bank sources. Last updated June 2026.
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