ADIB Credit Card Eligibility

ADIB credit card can help you manage your daily expenses and enjoy rewards and premium deals on travel and lifestyle. However, while the bank has multiple card options, approval depends on several factors that reflect your financial stability. Understanding ADIB credit card eligibility before ...read more

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Table of Content

Let’s first check the standard ADIB card eligibility in the table below —
ADIB Credit Card Eligibility for the Top Cards
Which Documents are Required for an ADIB Card Application?
Factors Influencing ADIB Card Eligibility
ADIB Credit Card Eligibility — How to Improve Your Chances of Approval?
Frequently Asked Questions

Let’s first check the standard ADIB card eligibility in the table below —

Eligibility Type	Criteria
Minimum Salary	AED 5,000
Minimum Age	21 years
Status of Employment	Salaried or Self-Employed

For card-wise eligibility criteria, jump on to the next section!

ADIB Credit Card Eligibility for the Top Cards

Tabled below are the eligibility requirements for all the major ADIB credit cards in the UAE —

Credit Card Name	Eligibility Requirements	Apply
Exceed Visa Platinum Covered Card	Employment Status — Salaried or Self-employed Nationality — UAE National or Expatriate	Apply Now
Exceed Visa Covered Card	Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now
Emirates Skywards Visa Infinite Card	Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now
Emirates Skywards Visa Signature Card	Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now
Etihad Guest Visa Classic Card	Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now
Etihad Guest Visa Platinum Card	Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now
Etihad Guest Visa Gold Card	Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now
Cashback Visa Covered Card	Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now
Booking.com Card	Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now
Smiles Visa Signature Card	Minimum Salary — AED 20,000 Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now
Smiles Visa Classic Card	Minimum Salary — AED 5,000 Employment Status — Salaried or Self-employed Nationality — UAE National or Expat	Apply Now

Which Documents are Required for an ADIB Card Application?

Here is a list of the documents usually required for ADIB credit card application—

Emirates ID
Passport
Latest 3 Months’ Bank Account Statement
Salary Certificate

📝 Make sure to present the originals as well as copies of the national ID and passport.

Factors Influencing ADIB Card Eligibility

Here are some points to consider in terms of ADIB credit card eligibility —

Age

Younger applicants with limited work and credit history may find it challenging to qualify.
Older applicants nearing retirement may be asked for more in-depth documentation.

Salary

Higher salaries mean higher repayment capacity, which means a better chance of approval.
If your salary is below the bank’s threshold, your application will be rejected.

credit Score and Credit History

With a high credit score, banks put you in the low-risk category. This increases your chances of approval.
A low credit score reflects your ability to manage finances effectively. This can lead to rejection of your application.

ADIB Credit Card Eligibility — How to Improve Your Chances of Approval?

Even if you meet the eligibility criteria for ADIB credit cards in the UAE, here’s what you can do to enhance your chances of approval —

Meet minimum criteria — Make sure you are within the age range of 21–65 years and meet the minimum monthly salary requirement, i.e. AED 5,000. Moreover, check whether the card you’re interested in requires a higher salary.
Maintain a strong credit score — A good score — usually above 700 — can signify high creditworthiness. For this, pay bills and loans on time and keep card utilisation below 30%. Additionally, make sure you don’t apply for loans or cards frequently.
Transfer your salary to ADIB — Having an existing relationship with ADIB can lower salary requirements and improve approval chances.
Verify employer listing — Being employed by a company listed by ADIB strengthens your profile.

Frequently Asked Questions

Ans: No. Whether you’re interested in the cards of ADIB or any other bank, you cannot apply for a credit card with a salary below AED 5,000.

Ans: Banks have a strict minimum age requirement, which is 21 years. Hence, you are not eligible to apply for the ADIB Smiles Visa Signature card.

Ans: To apply for the Smiles Visa Classic card, you must —