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CashbackVisa
ADIB
Cashback Covered Credit Card
IslamicNo salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 103.95
Monthly rate
3.75%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
55.5%
No standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 103.95
- Fee note
- No standard waiver
- Monthly rate
- 3.75%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 55.5%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 4% cashback on all Supermarket & Grocery spends (maximum of AED 300 per month)
- 4% cashback on all Fuel & Automobile spends (maximum of AED 300 per month)
- 4% cashback on all School/Education payments (maximum of AED 300 per month)
- 4% cashback on all Dining & Restaurant spends (maximum of AED 200 per month)
- 4% cashback on all Utility payments (maximum of AED 100 per month)
- Maximum monthly cashback cap of AED 1,000 per month
- Free roadside assistance within UAE once a year
- Four free supplementary cards
- Withdraw 100% of the finance limit as cash; up to 55 days grace period
- Optional Covered Card Takaful protection
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.