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, Etisalat bills, flights and hotels
- Free-for-life card with no annual fee
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% |
Rewards on this card are capped at AED 1,000 a month across all categories (about AED 12,000 a year).
Spend in the European Economic Area and the UK earns less on this card: about 0.4% back, against 1.2% on other international spend.
Current welcome offer
Earn 5,000 Smiles points on sign-up
- Points credited once a qualifying transaction is made within 30 days of receiving the card
- 10,000 Smiles points quarterly bonus for spending AED 25,000 in each 90-day quarter from card issuance
- Sign-up points are one-time only and not earned again on re-application
Benefits & perks
- •Free-for-life card (no annual fee)
- •Up to 4 free supplementary cards
- •0% profit easy payment plan over 3 to 12 months
- •Balance transfer at 0% profit for 3 or 12 months (processing fee applies)
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 Smiles Visa Classic earn?
A free-for-life ADIB Islamic card earning Smiles Points: 12 per AED 5 on spending through the Smiles by e& app, 6 on international spending outside the European Economic Area and 4 on most other local spending (about 2.4%, 1.2% and 0.8% at Perkly's indicative value), though ADIB's Specific Merchants, such as supermarkets, fuel, utilities, schools, Salik and government payments, earn only 1 point per AED 5 (about 0.2%); up to 100,000 points a month.
What does the Abu Dhabi Islamic Bank Smiles Visa Classic cost?
No annual fee and no joining fee; ADIB's schedule and product page both call it free for life. 4 supplementary cards are free.
What does spending abroad cost on the Abu Dhabi Islamic Bank Smiles Visa Classic?
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 2 Smiles Points per AED 5, not 6.
What should I watch out for with the Abu Dhabi Islamic Bank Smiles Visa Classic?
The card has no lounge, valet or other lifestyle benefits. Most other local spending earns only about 0.8%, ADIB's Specific Merchants, such as supermarkets, fuel, utilities, schools, Salik and government payments, about 0.2%, and the 2.4% is only for spending made through the Smiles by e& app. The AED value of Smiles Points depends on what you redeem them for; Perkly's AED 0.01 is indicative, not ADIB's.
More from Abu Dhabi Islamic Bank
ADIB Smiles Visa Signature
- 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