ADIB Business Credit Cards in UAE

Airport Lounge

Relax Before you take off

Shopping Benefits

Exclusive offer on top brands

Fuel benefits

Save more on every fill

Movie Discounts

Enjoy blockbusters for less

Cashback up to

AED 2,000

Rewards + Welcome Offers

No Annual Fee

Travel benefits

Dining Discounts

Entertainment Benefits

Written By

Tanvi PathakTeam Lead Writer (Expertise - Banking )

Reviewed By

Brijesh KumarCBO, Paisabazaar.ae

Last updated on 29 June 2026Editorial Standards

Best ADIB Business Credit Cards in UAE

Abu Dhabi Islamic Bank offers two types of business credit cards –

ADIB Business Platinum Covered Card
ADIB Business Gold Covered Card

ADIB Business Platinum Covered Card

ADIB Business Platinum Covered Card is one of the best business credit cards in the UAE. The credit card comes with a covered card limit of up to AED 250,000.

ADIB Business Platinum Covered Card

Airport Lounge Access

Minimum Salary AED 8,000
Annual Fee AED 800

Airport Lounge Access
Roadside Assistance

Apply Now

Features & Benefits of ADIB Business Platinum Covered Card

Interest Rate: ADIB Business Platinum Covered Card charges an interest rate of 3 percent on the outstanding balance of the cardholders.
Cash Withdrawal: ADIB Business Platinum Covered Card allows card members to withdraw cash of up to 60 percent of the available credit limit. This helps them fulfill their financial needs.
Chip & PinTechnology: ADIB Business Platinum Covered Card offers advanced Chip & PinTechnology to help cardholders make secure payments.
Roadside Assistance: ADIB Business Platinum Covered Card offers free roadside assistance services for cardholders. With this service, the cardholders can contact the help and support team to seek assistance when they are stuck on the road due to a vehicle breakdown, empty fuel tank, or any other reason.
Golf Discounts: ADIB Business Platinum Covered Card members can avail of attractive discounts at various Golf Clubs across the world, including the 14 Golf Clubs in the UAE.
Movie Tickets Offers: ADIB Business Platinum Covered Cardmember can get a 50 percent discount on movie tickets at VOX Cinemas with a capping of up to 10 free tickets every month.
Airport Restaurant Offers: ADIB Business Platinum Covered Card offers free access to more than 200 airport restaurants throughout the world.
Hotel Bookings Offers: ADIB Business Platinum Covered Card members can get up to an 8 percent discount on the hotel bookings made via hotels.com using an ADIB business credit card.
Extended Warranty: ADIB Business Platinum Covered Card members can get an extended warranty for the products bought using this ADIB business credit card.
Purchase Protection: ADIB Business Platinum Covered Card members can get purchase protection against the loss or damage caused to the products bought using this ADIB business credit card within a specific duration.
SMS Alerts: ADIB Business Platinum Covered Card members get real-time notifications on their registered mobile number for the transactions made using this ADIB business credit card.

ADIB Business Gold Covered Card

ADIB Business Gold Covered Card is a popular business credit card in the UAE. The credit card comes with a covered card limit of up to AED 150,000 for the cardholders.

ADIB Business Gold Covered Card

Airport Lounge Access

Minimum Salary AED 8000
Annual Fee AED 400

Airport Lounge Access
Roadside Assistance

Apply Now

Features & Benefits of ADIB Business Gold Covered Card

Interest Rate: ADIB Business Gold Covered Card charges an interest rate of 3 percent on the outstanding balance of the cardholders.
Chip & PinTechnology: ADIB Business Gold Covered Card offers advanced Chip & PinTechnology to enable cardholders to make easy, quick, and secure payments.
Hotel Bookings Offers: ADIB Business Gold Covered Card members can get up to an 8 percent discount on the hotels bookings made via hotels.com using ADIB business credit card.
SMS Alerts: ADIB Business Gold Covered Card members get real-time notifications on their registered mobile number for the transactions made using this ADIB business credit card.
Roadside Assistance: ADIB Business Gold Covered Card offers free roadside assistance services for cardholders. With this service, the cardholders can contact the help and support team to seek assistance when they are stuck on the road due to a vehicle breakdown, empty fuel tank, or any other reason.

Fees & Charges of ADIB Business Credit Cards

Types of Charges	ADIB Business Platinum Covered Card	ADIB Business Gold Covered Card
Annual membership fee	AED 800	AED 400
Subscription fee	AED 100	AED 100
Supplementary Card	AED 100	AED 100
Supplementary Card annual fee	2 per cent	2 per cent
Murabaha monthly profit rate amount	3 per cent of the amount, minimum	3 per cent of the amount, minimum
Cash withdrawal fee	AED 99	AED 99
Obligatory donation fee in case of late payment	AED 100	AED 100
Non-AED transaction service fee	3.10 per cent	3.10 per cent
Card replacement fee	AED 100	AED 100
Statement re-print fee	AED 50	AED 50
Receipt copy request fee for retail or cash	AED 25	AED 25
Receipt copy request fee for travel or entertainment	AED 100	AED 100
Temporary increase limit fee	AED 50	AED 50
Minimum amount due	10 per cent	10 per cent
International transaction fee	1.80 per cent	1.80 per cent
Cash advance limit	60 per cent	60 per cent
Grace period for payment	Up to 55 Days	Up to 55 Days

Eligibility Criteria to Apply for ADIB Business Credit Cards

Type of ADIB Business Credit Card	Eligibility Criteria
ADIB Business Platinum Covered Card	All UAE Nationals and Expats are eligible for this credit card. The applicant must have a minimum monthly salary of AED 8,000 The applicant must have a good credit score.
ADIB Business Gold Covered Card	All UAE Nationals and Expats are eligible for this credit card. The applicant must have a minimum monthly salary of AED 8,000 The applicant must have a good credit score.

Documents Required When Applying for ADIB Business Credit Cards

Type of ADIB Business Credit Card	Documents Required
ADIB Business Platinum Covered Card	A completely filled out application form Emirates ID for all the partners – Original and a copy A valid Passport for all the partners – Original and a copy UAE Residency Visa – Original and a copy Trade License – Original and a copy Memorandum of Association Chamber of Commerce Membership Certificate Other Subsequent Amendments Board Resolution, if any Power of Attorney Appointment Letter/Salary Certificate/Pay Slips of the last three months (for income verification of salaried applicants) Proof of Residence – Original and a copy Post-dated cheques for security purposes Bank Statement of the last six to twelve months (for income verification of self-employed applicants) Credit copy (in case the applicant holds another bank credit card)
ADIB Business Gold Covered Card	A completely filled out application form Emirates ID for all the partners – Original and a copy A valid Passport for all the partners – Original and a copy UAE Residency Visa – Original and a copy Trade License – Original and a copy Memorandum of Association Chamber of Commerce Membership Certificate Other Subsequent Amendments Board Resolution, if any Power of Attorney Appointment Letter/Salary Certificate/Pay Slips of the last three months (for income verification of salaried applicants) Proof of Residence – Original and a copy Post-dated cheques for security purposes Bank Statement of the last six to twelve months (for income verification of self-employed applicants) Credit copy (in case the applicant holds another bank credit card)

Type of ADIB Business Credit Card

Documents Required

ADIB Business Platinum Covered Card

A completely filled out application form
Emirates ID for all the partners – Original and a copy
A valid Passport for all the partners – Original and a copy
UAE Residency Visa – Original and a copy
Trade License – Original and a copy
Memorandum of Association
Chamber of Commerce Membership Certificate
Other Subsequent Amendments
Board Resolution, if any
Power of Attorney
Appointment Letter/Salary Certificate/Pay Slips of the last three months (for income verification of salaried applicants)
Proof of Residence – Original and a copy
Post-dated cheques for security purposes
Bank Statement of the last six to twelve months (for income verification of self-employed applicants)
Credit copy (in case the applicant holds another bank credit card)

ADIB Business Gold Covered Card

A completely filled out application form
Emirates ID for all the partners – Original and a copy
A valid Passport for all the partners – Original and a copy
UAE Residency Visa – Original and a copy
Trade License – Original and a copy
Memorandum of Association
Chamber of Commerce Membership Certificate
Other Subsequent Amendments
Board Resolution, if any
Power of Attorney
Appointment Letter/Salary Certificate/Pay Slips of the last three months (for income verification of salaried applicants)
Proof of Residence – Original and a copy
Post-dated cheques for security purposes
Bank Statement of the last six to twelve months (for income verification of self-employed applicants)
Credit copy (in case the applicant holds another bank credit card)

How to Apply for an ADIB Business Credit Card?

Here are a few simple ways to apply for your chosen ADIB Business Credit Card.

Internet Banking - Abu Dhabi Islamic Bank offers Online Banking Portal to help its customers easily manage their finances. The existing ADIB customers can login to this online banking portal and apply for the preferred ADIB Business Credit Card in just a few clicks. All they need to do is go to the requests section, fill out the application form, and upload the required documents to complete the application process.
Mobile Banking - ADIB also offers a mobile banking app for its customers to help them have all the banking products and services just a few taps away. The existing ADIB customers can also use this app to apply for their desired ADIB Business Credit Card. First, these applicants need to go through the registration process to get a unique banking ID and password. Once done, they can use these credentials to login to the mobile app and fill out the application form in the requests section. The applicants need to submit this form with all the essential documents.
Bank’s Website - The applicants who are new to Abu Dhabi Islamic Bank can visit the bank’s website and fill out the online application form to apply for their chosen credit card. They can either upload the supporting documents on the website or place a request for one of the bank representatives to collect the documents from home.
Bank’s Branch - The applicants can also visit one of the ADIB branches to apply for their preferred business credit card. They need to carry all the essential documents and submit them with the application form to streamline the whole process.
Our Website - This is the best and most convenient way of applying for a credit card. The applicants can visit our website and go to the credit cards section to find their chosen ADIB Credit Card. They can go through the detailed features and benefits of the credit card and apply for the same in just a few clicks. The applicants can also call our helpdesk in case they need any help. Our experts will guide them through the process and help them submit the credit card application with great ease.