← All 169 cards
RewardsVisa
ADIB
Exceed Visa Covered 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.
- 0.5 Exceed Rewards for every AED 100 spent within UAE
- 1.0 Exceed Rewards for every AED 100 (or equivalent) spent internationally (0.125 in EEA countries)
- 0.125 Exceed Reward for every AED 100 spent on Specific Merchants (supermarkets, government services, utilities, education, petrol, real estate, public transport, Salik, charities)
- Free roadside assistance within UAE once a year (call 600-542010)
- Instant redemption of Exceed Reward points via ADIB Mobile App (utility payments, shopping vouchers, flights)
- Four free supplementary cards; up to 55 days grace period
- Optional Covered Card Takaful protection
- No airport lounge access on this tier
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.