ADIB Smiles Visa Signature Card review
The earn rate is among the strongest in the Smiles line-up: 10 points per AED 5 locally, 15 points per AED 5 internationally (6 within the EEA) and a headline 30 points per AED 5 on Smiles App transactions, with Specific Merchants earning 1 point per AED 5. Points are redeemable through the Smiles app and programme.
Signature-tier privileges round out the package, including unlimited access to over 1,000 airport lounges, Valtrans valet parking four times a month and roadside assistance via Autopal. The AED 1199 annual fee and the ecosystem-linked value mean the card pays off best for high spenders who redeem Smiles points regularly.
Card details
| Bank | ADIB |
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| Card type | Rewards |
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| Card network | Visa |
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| Co-brand | Smiles |
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| Minimum salary | AED 20,000 |
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| Annual fee | AED 1,258.95 |
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| Fee waiver | Annual fee AED 1199 +5% VAT. |
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| Interest (monthly) | 3.75% |
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| Reward type | Smiles points |
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| Reward rate | 10 Smiles points per AED 5 on local spend; 15 points per AED 5 international (6 in the EEA); 30 points per AED 5 via the Smiles App; 1 point per AED 5 at Specific MerchantsSpecific Merchants earn the reduced 1 rate and international spend within the EEA earns the reduced 6 rate. The boosted 30 points per AED 5 applies only to Smiles App spend. Smiles points are redeemable through the Smiles app and loyalty programme. |
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| Welcome bonus | 70,000 Smiles points on sign-up plus a 90-day complimentary Smiles Unlimited subscription70,000 Smiles points on sign-up | 90-day complimentary Smiles Unlimited subscription | No fixed expiry date published |
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| Lounge access | Unlimited access for the cardholder to more than 1,000 lounges worldwide. |
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Welcome bonus: 70,000 Smiles points on sign-up plus a 90-day complimentary Smiles Unlimited subscription
Terms: 70,000 Smiles points on sign-up | 90-day complimentary Smiles Unlimited subscription | No fixed expiry date published
ADIB Smiles Visa Signature Card benefits
✓Earn 10 Smiles points per AED 5 on local spend
✓30 Smiles points per AED 5 on the Smiles App
✓Unlimited lounge access to 1,000+ lounges
✓Valet parking via Valtrans 4x monthly plus roadside assistance through Autopal
ADIB Smiles Visa Signature Card fees & charges
| Annual percentage rate (APR) | 45.63% |
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| Cash advance fee | 3% of withdrawal amount, minimum AED 103.95 (AED 99 + 5% VAT) |
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| Late payment fee | 100 |
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| Foreign currency fee | 2.3% non-AED transaction service fee (plus Visa/MC FX spread); 1.99% for AED international transactions |
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| Minimum payment | 5% of Present Balance plus any installment/EPP amounts, minimum AED 100 |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 78.75 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits heavy Smiles users who want the highest Smiles points earn alongside premium lounge access.
What works well
- ✓Very high Smiles earn rate
- ✓Unlimited airport lounge access
- ✓Includes valet parking and roadside assistance
What to weigh up
- −High annual fee of AED 1199
- −Reduced earn rate at Specific Merchants
- −Value is tied to the Smiles ecosystem
ADIB Smiles Visa Signature Card eligibility
Minimum salary AED 20000 (per third-party source mymoneysouq); UAE resident aged 21 or above.
▤Emirates ID▤Passport/Visa▤Salary certificate / bank statements
ADIB Smiles Visa Signature Card FAQs
Minimum salary AED 20000 (per third-party source mymoneysouq); UAE resident aged 21 or above.
The listed annual fee is AED 1,258.95. Annual fee AED 1199 +5% VAT.
10 Smiles points per AED 5 on local spend; 15 points per AED 5 international (6 in the EEA); 30 points per AED 5 via the Smiles App; 1 point per AED 5 at Specific Merchants
This card suits heavy Smiles users who want the highest Smiles points earn alongside premium lounge access.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
