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TravelVisa
ADIB
Smiles Visa Classic Card
IslamicNo salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
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%
Free for life
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 0
- Fee note
- Free for life
- 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.
- 5,000 Smiles points upon sign up
- 10,000 Smiles points as quarterly bonus subject to meeting the spend criteria of AED 25K each quarter
- 4 Smiles points per AED 5 spent locally
- 6 Smiles points (2 points in EEA region) per AED 5 (or equivalent) spent internationally
- 12 Smiles points per AED 5 spend on Smiles App
- 1 Smiles point per AED 5 on Specific Merchants (supermarkets, government, utilities, education, petrol, transport, Salik, charities)
- Redeem points on Smiles app for food and grocery orders, home services, vouchers, devices and etisalat bill payments; flights with 1,000+ airlines and 50,000+ hotels
- No annual fee (free for life)
- 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.