ADIB Value+ Card

Q: Q1: How can I check my ADIB balance?

Ans: Send an SMS with the text 'BAL' to 2400 to check your ADIB balance.

Q: Q2: Can I get international airport lounge access with an ADIB Value+ card?

Ans: Yes, you can enjoy free access to airport lounges in the GCC/MENA region with this credit card.

Q: Q3: What are the benefits of using an ADIB Value+ credit card?

Ans: ADIB Value+ card offers flexible reward programs. You can redeem these rewards for travel, shopping, and flights.

Q: Q4: What is the minimum salary for an ADIB credit card?

Ans: You must have a monthly salary of AED 5,000 or more to apply for an ADIB credit card.

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Airport Lounge
Shopping Benefits
Fuel benefits
Movie Discounts

Cashback up to AED 2,000
Rewards + Welcome Offers
No Annual Fee
Travel benefits
Dining Discounts
Entertainment Benefits

Written ByChanchal SinghContent Executive

Reviewed ByRavindra DhakarProduct Manager

Last updated on 26 February 2026Editorial Standards

ADIB Value+ Card is your ultimate companion if you’re looking for rewards and benefits on your spends. This credit card by Abu Dhabi Islamic Bank (ADIB) offers flexible programs and the choice to redeem your rewards for shopping, travel, dining, and more.

To know about how this card can enhance your lifestyle, keep on reading! We will explore the ADIB Value+ credit card, its features, perks, eligibility criteria, and more.

Features and Benefits of ADIB Value+ Credit Card

Here is a breakdown of the key features and benefits of this ADIB credit card —

ADIB Value+ Card is a lifetime free credit card without any annual fees
Earn rewards on domestic and international spending
- 0.5 Exceed Rewards for each AED 100 spent domestically
- 1 Exceed Reward for every AED 1 spent internationally
Option to redeem your rewards points on airline ticket booking, vouchers, and more
Enjoy access to airport lounges in the GCC and MENA region
Total card limit’s 100% cash withdrawal available
Up to 25% off on dining in the UAE
Facilities like balance transfer, easy installment plan, and more available

ADIB Value+ Credit Card- Eligibility Criteria

You must fulfill the following eligibility criteria to get the ADIB Value+ card —

Eligibility Requirement	Criteria
Minimum Income	AED 5,000
Age	21 years old

Documents for the ADIB Value+ Credit Card

To apply for the ADIB Value+ card, you need to submit the documents listed below —

Passport (original and copy)
Salary certificate
Emirates ID (original and copy)
3 months' bank account statement

✍🏻Things to Keep in Mind

All the documents, whether copies or originals, must be valid.
Be prepared to submit additional documents, if required.

Charges and Fees of ADIB Value+ Card

Be aware of the following charges before applying for this ADIB credit card —

Fees Type	Amount or Percentage
Annual Fees	Nil
5th Supplementary Card Annual Fee	AED 250 No fee till 4 supplementary cards
Monthly Profit Rate	3.75%
ATM Cash Withdrawal Fees	Higher of 3% of the outstanding amount and AED 99
Card Replacement Fees	AED 75
Non-AED Transaction Service Fees	2.3%
AED International Transaction Service Fees	1.99%
Copy of Sales Receipt Fees	AED 25
Temporary Increase of Limit	AED 50
Copy of Travel Fares / Hotel Receipt Fees	AED 25
Copy of Additional Statement Fee	AED 45
Liability / No Liability Letter	AED 50
Returned Cheque Fee	AED 100

Note: Check the fees and charges on the official website as these can be changed over a period.

How to Apply for ADIB Value+ Credit Card?

You cannot apply for the ADIB Value+ credit card as it has been discontinued by the bank.

However, to explore other ADIB cards or those of any other bank, you can continue on Paisabazaar.ae. Simply click on the button below, fill out the form, and check out the top credit card quotes. You can then explore your options and apply for a card that suits you the best!

Frequently Asked Questions

Ans: Send an SMS with the text 'BAL' to 2400 to check your ADIB balance.

Ans: Yes, you can enjoy free access to airport lounges in the GCC/MENA region with this credit card.

Ans: ADIB Value+ card offers flexible reward programs. You can redeem these rewards for travel, shopping, and flights.

Ans: You must have a monthly salary of AED 5,000 or more to apply for an ADIB credit card.

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