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ADIB Spice card

ADIB Spice card
Minimum Salary

8,000 AED

Salary Transfer






Annual Fee





The ADIB Spice Card has the best and the most flexible rewards program to best suit your needs!

Major Benefit: Up to 9% cashback on your spends

Points to Consider: There is an annual fee


Main Features:

Convert your jewelry purchases into easy monthly installments of up to 6 months at 0% profit rate at participating outlets*

Cashback: MInimum AED 3,000 in a month (locally & internationally) and enjoy

  • 1% cashback on all utility payments
  • 4% cashback on fuel
  • 7% cashback on all supermarket & grocery spends
  • 9% cashback on all restaurant spends


Maximum cashback of AED 50 on utility payments, AED 200 on restaurant spends, AED 50 on fuel and AED 100 on grocery spends can be earned.


Financial Features:

Annual Fees: AED 199

Minimum Salary Requirement: 

  • For Expats: AED 12,000
  • For UAE Nationals: AED 8,000


Retail Interest Rate:  From 3.09% will be charged on the outstanding amount on monthly basis after 55 days interest free period

Foreign Currency Transactions Rate: 3.1% per transaction; Applicable on oversees transactions only

Balance Transfer Fees:  A Balance transfer fee of 3% or AED 300 will apply; No profit for the first 12 months

Repayment Period: Up to 55 days

Purchase Protection: No

Cashback: Get up to 9% cashback on your spends

Other Features: ADIB Easy Pay Plan option with selected merchants


Travel Benefits:

Airport Lounge Access: Access to airport lounges across the GCC/MENA region

Travel Medical Insurance: No

Air Miles: No

Other Travel Benefits: ADIB Reward Points can be redeemed for airline tickets


Leisure and Entertainment benefits:

Movie Tickets: No

Golf Benefits: No

Other Benefits:

  • Earn 1 reward point for 1 AED on domestic spend & 2 reward points for every 1 AED on international spend
  • Redeem reward points for flight tickets or shopping mall vouchers
Documents Required
  • Original and copy of valid Passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer (not more than 30 days old)
Additional Info

All info mentioned can change at any point in time as per the discretion of the bank. The Bank will determine eligibility. All info above is subject to change. 

*Terms & Conditions apply

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