4ADAbu Dhabi Islamic Bank (ADIB)ADIB Cashback Visa CoveredAED 103.95/yr · AE
Cash Back · United Arab Emirates
ADIB Cashback Visa Covered Card
4.2 / 5 editorial score
Best for: Shariah-compliant cashback on groceries, fuel, school fees and dining for a low annual fee.
Annual feeAED 103.95/yr
IssuerAbu Dhabi Islamic Bank (ADIB)
NetworkVisa
Welcome offerSee issuer for the current offer
Interest rate3.75% monthly profit rate (45.63%…
Foreign fee2.3% service fee on non-AED sp…
Who qualifiesSee issuer (ADIB does not publish a…
Why it ranks
- High 4% rate across five everyday categories
- Very low annual fee
- Shariah-compliant structure
What holds it back
- Per-category caps stall heavy spend in one area
- Minimum salary not published
- No lounge access listed
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The ADIB Cashback Visa Covered Card pays 4% across groceries, fuel, school fees, dining and utilities for an annual fee of AED 99 plus VAT, with a separate monthly cap on each category. Figures are as of September 2026.
ADIB Cashback Visa Covered Card at a glance
| Issuer | Abu Dhabi Islamic Bank (ADIB) |
| Card network | Visa |
| Annual fee | AED 99 a year plus 5% VAT |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 4% cashback on groceries (AED 300 cap), fuel and automobile (AED 300), school and education (AED 300), dining (AED 200) and utilities (AED 100) per month; total cap AED 1,000 a month |
| Intro APR | None |
| Regular APR | 3.75% monthly profit rate (45.63% APR) under commodity Murabaha |
| Foreign transaction fee | 2.3% service fee on non-AED spend plus Visa's fee; 2.75% on international spend billed in AED from 10 September 2026; VAT extra |
| Airport lounge access | None listed |
| Credit needed | See issuer (ADIB does not publish a minimum salary for this card online) |
| Best for | Shariah-compliant cashback on groceries, fuel, school fees and dining for a low fee |
Key features
- 4% on groceries, fuel and automobile, and school fees, each up to AED 300 a month
- 4% on dining (up to AED 200) and utilities (up to AED 100) a month
- Roadside assistance within the UAE once a year
- Covered card structured as a commodity Murabaha; ADIB may offset monthly profit through STI profit and a discretionary bonus when you pay in full
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
How it ranks against similar UAE cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | ADAbu Dhabi Islamic Bank (ADIB)ADIB Cashback Visa CoveredAED 103.95/yr · AE ADIB Cashback Visa Covered CardShariah-compliant cashback on groceries, fuel, school fees and dining for a low fee |
AED 103.95/yr | 4% cashback on groceries (AED 300 cap), fuel and automobile (AED 300), school an… | See issuer for the current offer | 2.3% service fee on non-AE… | See issuer (ADIB does not publis… | |
| 2 | ADAbu Dhabi Commercial Bank (ADCB)ADCB 365 CashbackAED 383.25/yr · AE ADCB 365 Cashback Credit CardDining, fuel and grocery spenders who put AED 5,000+ a month on one card |
AED 383.25/yr | 6% dining (incl. online orders), 5% fuel and Salik, 5% home digital entertainmen… | See issuer for the current offer | See issuer | Minimum monthly salary AED 5,000… | |
| 3 | MMashreq BankMashreq CashbackNo annual fee · AE Mashreq Cashback Credit CardEveryday spenders wanting fee-free cashback |
None | Up to 5% on dining, 2% on groceries, 1% elsewhere | Welcome cashback offer for new cardholders | Foreign currency markup ap… | Stable income, UAE residency | |
| 4 | FAFirst Abu Dhabi Bank (FAB)FAB CashbackNo annual fee · AE FAB Cashback Credit CardHouseholds wanting fee-free cashback on essentials |
None | Up to 5% on groceries and dining, 3% on fuel | Welcome cashback offer for new cardholders | Foreign currency markup ap… | Stable income, UAE residency |
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