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ADIB Smiles Visa Classic Card

ADIBVisaClassicIslamic

ADIB Smiles Visa Classic Card has no annual fee, according to ADIB. The bank asks for a minimum monthly salary of AED 5,000.

Go to the bank's page
Checked against the bank's own pages on 27 Sep 2026. Apply opens the bank's own site.
Annual feeFree
Min. salaryAED 5,000
Monthly profit rate3.75%45% a year
Foreign fee2.3%

Rewards

  • 5,000 Smiles points on sign up10,000 Smiles points quarterly bonus with AED 25K spend per quarter

Benefits the bank lists

  • No annual fee
  • Withdraw 100% of finance limit as cash
  • Balance transfer and easy instalment plans

Questions people ask

What is the annual fee for the ADIB Smiles Visa Classic Card?

ADIB Smiles Visa Classic Card has no annual fee, according to ADIB.

What salary do I need for the ADIB Smiles Visa Classic Card?

The bank asks for a minimum monthly salary of AED 5,000.

What is the profit rate on the ADIB Smiles Visa Classic Card?

The profit rate on purchases is 3.75% a month, which is 45% a year.

Does the ADIB Smiles Visa Classic Card charge a foreign transaction fee?

Purchases in a foreign currency carry a fee of 2.3% of the amount.

Fee conditions

Free for life

Notes from our check

ADIB's schedule of charges lists the 2.3% non-AED fee in addition to the fee Visa or Mastercard applies. From 10 Sep 2026 a separate 2.75% fee applies to AED purchases made outside the UAE.

Sources

Where a bank does not publish a figure, we leave it blank instead of guessing.

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