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TravelVisa
ADIB
Smiles Visa Signature Card
IslamicNo salary transfer needed
Min. salary
AED 20,000
Annual fee
AED 1,258.95
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 1,258.95
- 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 20,000
- 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.
- 70,000 Smiles points upon sign up plus complimentary 90-day subscription to Smiles Unlimited (Buy 1 Get 1 offers, free food/grocery delivery, waived home service fees)
- 10,000 Smiles points as quarterly bonus subject to meeting the spend criteria of AED 25K each quarter
- 10 Smiles points per AED 5 spent locally
- 15 Smiles points (6 points in EEA region) per AED 5 (or equivalent) spent internationally
- 30 Smiles points per AED 5 spend on Smiles App
- 1 Smiles point per AED 5 on Specific Merchants
- Unlimited airport lounge access for the cardholder to over 1,000 lounges worldwide (Visa Airport Companion)
- Free valet parking 4 times every month at selected locations (Valtrans)
- Free roadside assistance: unlimited city-limit towing, inter-emirate towing up to 3 times a year, jump start, flat tyre, lock out, fuel delivery
- 24-hour concierge; multi-trip travel cover for cardholder, spouse and up to 5 children (age limit 75)
- Purchase protection up to USD 2,500 per occurrence (USD 4,000 annual aggregate for Visa Signature)
- Redeem points for flights with 1,000+ airlines and 50,000+ hotels via Smiles app
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.