Smiles Visa Signature

An ADIB Islamic card with an AED 1,258.95 annual fee earning Smiles Points: 30 per AED 5 on spending through the Smiles by e& app, 15 on international spending outside the European Economic Area and 10 on most other local spending (about 6%, 3% and 2% 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%); unlimited lounge access.

Annual fee AED 1,258.95 including VAT (AED 1,199 before VAT). No joining fee. 4 supplementary cards are free.

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 6 Smiles Points per AED 5, not 15.

The 6% headline is only for spending made through the Smiles by e& app; most other local spending earns about 2%, and ADIB's Specific Merchants, such as supermarkets, fuel, utilities, schools, Salik and government payments, about 0.2%. The AED value of Smiles Points depends on what you redeem them for; Perkly's AED 0.01 is indicative, not ADIB's. The annual fee is AED 1,258.95 including VAT, and Perkly has no record of a waiver.