ADIB Smiles Visa Signature Card source profile (November 2026)

ADIB Smiles Visa Signature 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 1,258.95 incl. VAT

Min salary

Pending

How the rewards work

The contractual Smiles rows distinguish app purchases from other qualifying expenditure. Smiles Points are not presented here as cash and no redemption conversion is invented.

Qualifying UAE spendSmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.

10 Smiles Points per AED 5Source-stated qualifying rate

Non-AED qualifying spend outside the UAE, excluding the EEASmiles section 21.2.1; not legacy Etisalat section 21.2.2. 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.

15 Smiles Points per AED 5Source-stated qualifying rate

Non-AED qualifying spend outside the UAE in the EEASmiles section 21.2.1; not legacy Etisalat section 21.2.2. 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.

6 Smiles Points per AED 5Source-stated qualifying rate

Qualifying Smiles app spendSmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.

30 Smiles Points per AED 5Source-stated qualifying rate

Issuer-defined specific merchantsSmiles section 21.2.1; not legacy Etisalat section 21.2.2. Qualifying expenditure only; issuer merchant, EEA, card-limit and payment-status conditions apply.

1 Smiles Points per AED 5Source-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.

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

Read the Smiles-app purchase scope, reduced categories and issuer rules. A large points figure is not directly comparable with another programme’s currency.

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.