RewardsIslamic
Abu Dhabi Islamic Bank
Smiles Visa Signature
The Smiles Visa Signature is a rewards credit card from Abu Dhabi Islamic Bank. It has an annual fee of AED 1,258.95, and needs a minimum salary of AED 20,000 a month.
Annual fee
AED 1,258.95
Joining fee
Free
Min. salary
AED 20,000/mo
Rewards in
Smiles Points
Material
Plastic
Card highlights
- 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
- 4 complimentary valet parking visits a month plus free roadside assistance (unlimited city towing, 3 inter-emirate tows a year)
- Multi-trip travel insurance covering cardholder, spouse and up to 5 children, plus 24-hour concierge and medical assistance
Earn rates
| Category | Rate |
|---|---|
| International spend | 3% |
| Travel | 2% |
| Retail | 2% |
| Dining & food | 2% |
| Online shopping | 2% |
| Supermarket | 0.2% |
| Fuel | 0.2% |
| Utilities | 0.2% |
| Education | 0.2% |
| Transport | 0.2% |
| Real estate | 0.2% |
Spend in the European Economic Area and the UK earns less on this card: about 1.2% back, against 3% on other international spend.
Current welcome offer
Earn 70,000 Smiles points on sign-up plus a complimentary Smiles Unlimited subscription
- 70,000 points credited after your first qualifying transaction within 30 days of receiving the card
- Complimentary 90-day Smiles Unlimited subscription (Buy 1 Get 1 offers, free food and grocery delivery, waived home service fees)
- Ongoing: 10,000 bonus points per quarter when you spend AED 25,000 in each 90-day quarter from card issuance
- Sign-up points are a one-time offer and do not apply if you cancel and re-apply, or upgrade from another ADIB Smiles card
Benefits & perks
- •Unlimited global airport lounge access via Visa Airport Companion app
- •Multi-trip travel insurance covering cardholder, spouse and up to 5 children (age limit 75)
- •Purchase protection up to USD 2,500 per occurrence
- •Extended warranty: +24 months
- •24-hour concierge, medical and travel assistance
- •Free valet parking 4 times per month at selected locations
- •Free roadside assistance: unlimited city towing and 3 inter-emirate trips per year
- •4 free supplementary cards
- •Easy payment plan (EPP) over 3-12 months with 100% profit waiver
- •Balance transfer with no profit for 3 months (up to 100% of limit) or 12 months (up to 50%)
Every card is checked against official bank sources. Last updated September 2026.
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More from Abu Dhabi Islamic Bank
RewardsIslamicWelcome offer
ADIB Smiles Visa Classic
- 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
No annual feeView card
Updated September 2026