ADIB Exceed Visa Covered Card source profile (November 2026)

ADIB Exceed Visa Covered Card is an ADIB covered-card product. This is a partial source profile, not an assurance that you qualify or that every cost and benefit has been reconciled.

Annual fee

AED 103.95 incl. VAT

Min salary

Pending

How the rewards work

The Exceed programme defines different qualifying expenditure categories. Its contractual rows must be read with the programme guide, rather than treating the largest multiplier as an everyday return.

Qualifying UAE spendNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.

0.5 Exceed Reward points per AED 100Source-stated qualifying rate

Non-AED qualifying spend outside the UAE, excluding the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.

1 Exceed Reward points per AED 100Source-stated qualifying rate

Non-AED qualifying spend outside the UAE in the EEANamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply. Only non-AED Qualifying Expenditure outside the UAE in the named geography qualifies for this row.

0.125 Exceed Reward points per AED 100Source-stated qualifying rate

Issuer-defined specific merchantsNamed current card tier only. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.

0.125 Exceed Reward points per AED 100Source-stated qualifying rate

These are named source-qualified rows, not a universal earn rate or guaranteed total return. All figures apply only to qualifying expenditure; specific merchants, EEA, card-limit, payment-status and other issuer conditions remain applicable. The full foreign-currency cost has not been confirmed. Check issuer charges, VAT and any scheme charges separately. Issuer-stated equivalent value towards Exceed rewards; not cash cashback

The displayed rows are source-qualified observations. They are not a universal base rate, a cash conversion or a total-return ranking. Native reward limits and purchase-channel conditions remain part of the issuer terms.

What the fee figure does and does not cover

The displayed annual fee is the standard primary-card charge from the reviewed source row. It is not a first-year or total annual cost. Joining charges, any waiver and profit charges remain Pending; an omitted field does not mean zero. Welcome incentives and perks have not been fully verified or assigned a cash value.

Before applying

Check the programme’s specific-merchant definitions and exclusions before choosing this card for regular spending.

Read the current issuer product page, KFS and linked programme conditions. Salary, residency, employment and transfer requirements are not fully reconciled in this profile. Any income amount retained in the source record does not establish complete eligibility or guarantee approval.

Use the comparison tool to inspect the source-qualified terms beside the existing Cashback profile, without assuming that unlike reward units or unresolved charges are equivalent.