# ADIB Credit Card Statement **Published:** 2022-08-19T09:35:51.270Z **Updated:** 2026-07-30T16:29:13.850Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/adib-credit-card-statement/ Understanding your ADIB Credit Card Statement helps you track expenses, optimise rewards, and avoid extra charges. Issued monthly, it shows your transactions, dues, profit calculations, and benefits, keeping you informed and in control. ...read more ## Most Popular Credit Card in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE ## Breaking Down the Key Sections of an ADIB Credit Card Statement The ADIB credit card statement will show as an organised ledger PDF file in compliance with the standards of the UAE Central Bank and principles of Islamic finance. All these create a complete financial picture, from the balances at the beginning to the dues at a future point. ### **Overview of Account Activity and Transactions** This is the primary section in your [ADIB Credit Card](https://www.paisabazaar.ae/credit-cards/adib-credit-cards/) Statements, tracing all debits, credits, and adjustments in chronological order, facilitating accurate spending analysis. The important factors are widely filled in a tabular format: | Column Name | Purpose | Detailed Example from ADIB Credit Card Statement | | --- | --- | --- | | Transaction Date | Real-world occurrence | 01-Jan-2026: Purchase at noon | | Posting Date (Value Date) | ADIB ledger entry | 02-Jan-2026: Next business day | | Description/Narrative | Merchant or type identifier | "ADIB POS - Lulu Hypermarket Sharjah - AED 250.00" or "ADIB ATM WITHDRAWAL Dubai" | | Reference Number | Internal tracking ID | TXN123456789 | | Debit Amount | Charges to balance | 250.00 AED | | Credit Amount | Refunds/payments added | 50.00 AED (e.g., return) | | Running Balance | Cumulative total | 1,200.00 AED  | Retail purchases usually qualify for a grace period, while cash advances, balance transfers, or instalments may incur immediate interest. Foreign currency transactions include the exchange rate plus markup (e.g., USD 100 at 3.67 AED/USD + 2.99%). Pre-authorisation holds, such as fuel or hotels (up to 20%), appear separately. The summary box shows: * Previous balance * New transactions total * Payments/credits received * Current balance * Available credit For business or multi-card accounts, statements may segment primary versus employee use. Always keep receipts, as disputes must be raised within 45–60 days. ### **Payment Summary: Due Dates and Minimum Payments** Payment commitments weigh heavily in this segment of the ADIB Credit Card Statement, on which costly oversights would otherwise be said to “err”. Structured as: | Payment Element | Formula/Detail | Typical Timeline | | --- | --- | --- | | Statement Date | Cycle end | 05-Jan-2026 | | Payment Due Date | 20-25 days later | 25-Jan-2026 | | Minimum Amount Due | Max(5% total, AED 100) | AED 600 on an AED 10,000 balance | | Total Amount Due | Full outstanding | AED 12,000 | | Grace Period | Purchases only | Up to 55 days of full pay  | Previous balance earns profit if unpaid, while new purchases enjoy a grace period. Partial payments roll over, with profit applied from the posting date. Auto-debit links to savings for easy payments. Missing the minimum incurs late fees (AED 100–750) plus daily profit. Statement formats reflect linked products. ### **Tracking Reward Points and Benefits** ADIB Credit Card points are credited transparently and Sharia-compliant. The statement shows: * Opening Points: Balance before the statement period * Points Earned: Based on spending (e.g., local: 1 pt/AED 4; international/supermarkets: 2 pts/AED 4 for Classic) * Points Redeemed: Used points (e.g., 10,000 pts = AED 150 voucher) * Points Expired: Points inactive for over 36 months * Closing Points: Points available for use Card-specific table: | ADIB Card Type | Local Earn Rate | Bonus Categories | Key Benefits | | --- | --- | --- | --- | | ADIB Rewards Classic | 1 pt/AED 4 | 2 pts/AED 4 supermarkets | 5% cashback up to AED 200/month, free supplements | | ADIB Infinite | 1 pt/AED 2 | 2 pts/AED 2 intl/travel | Unlimited lounge access, travel insurance up to AED 1M | Redeem fitting and worthy gifts via e-ADIB: for flights (Emirates Skywards partner), merchandise, and statement credits (200 pts = AED 3). Expiry warnings are in place to prevent loss for the average user, who forfeits an average of AED 500 in unused points each year. ### **Monitoring Fees, Charges, and Interest Calculations** The charges on all ADIB card statements, itemised in detail, enable cost control. Comprehensive fees table: | Fee Category | Rate/Amount | Conditions/Examples | | --- | --- | --- | | Annual Membership | AED 0 (Yr1), 300-1,000 after | Waived >AED 50K annual spend | | Cash Advance | 4% min AED 110 | AED 500 withdrawal = AED 110 fee | | Late Payment | AED 100-750 (balance tiers) | limit | | Profit (not interest) | 1.25-2.49% monthly tiered | Daily: Balance × (annual/365) × days  | Profit is computed as the average daily balance (less grace new buys) multiplied by a tiered rate of 1.25% for balances below AED 5,000, and 2.49% for balances above AED 25,000. For example: AED 10,000 revolved for 30 days at 2% monthly = AED 200 profit. Any utility or insurance fees, if applicable. Statements forecast next cycle impacts. ### **Important Updates: Changes in Terms and Interest Rates** This message flags critical notices in ADIB [Credit Card Statements](https://www.paisabazaar.ae/credit-cards/articles/how-to-understand-your-credit-card-billing-statement/):  * Profit rate adjustments: 2025 EIBOR plus 1.5% more monthly 2.2%;  * Fee changes: new SMS 10 AED/quarter opt-in;  * Terms: policy on rewards expiry, grace extensions;  * Regulatory: CBUAE 60-day dispute rights, CBUAE hotline 8002222;  * Promotions: double points till Mar 2026.  Contact: 600543216 (UAE), disputes@adib.ae, branches. Multi-language (Arabic/English) ensures accessibility. ## How to Access Your ADIB Credit Card Statement Easily Through the ADIB Online Portal * Visit simple. adib.ae/simple   * Register/Login (ATM PIN or User ID) * Go to Dashboard > Cards > Statements, select month (24-month archive) * Download PDF/Excel or print ADIB Mobile Banking App (4.8\* ratings, more than 1M installs).  * Biometric Login>Cards Hub>View/Download ADIB Credit Card Statement.  * Filters: Date, Merchant, Amount; e-sign for sharing. Automated Alerts and Notifications  * Profile>Alerts>Enable--"Statement Ready" via SMS/email.  * Instant alert: "Your Jan ADIB Card Statement is available-- Due 25". In-Person or Call  * 70+ branches across UA, Emirates ID and Insta print. * Call 600 543216: Verbal summary, then free post.  ## Best Practices for Using Your ADIB Credit Card Statement Effectively Stay on top of your finances by regularly reviewing your credit card statement and taking proactive steps. * Download and store your statement securely (cloud or local folder). * Track spending: Load CSV into Excel/Sheets to monitor trends with charts. * Set reminders: Add due dates to your calendar to avoid late payments. * Report issues: Notify the bank promptly via the ADIB App for incorrect or suspicious transactions. ## FAQs ### Q1: What is the key information found in every ADIB Credit Card Statement? **Ans:** Opening and closing balances, transactions, due amount, fees, profit charges, reward points, and the complete billing cycle summary are included in all statements. ### Q2: When will the monthly issuance of the ADIB Credit Card Statement be? **Ans:** The statement will be generated based on the end date of your billing cycle (e.g., the 5th of every month), with confirmation via SMS or app alerts. ### Q3: What will happen if I miss the minimum due mentioned in my ADIB Credit Card Statement? **Ans:** A late payment charge of AED 100-750 will apply in addition to the profit,t which will be accelerated on the outstanding sum. ### Q4: For how long can I view the historical ADIB Credit Card Statements?  **Ans:** Online, you may check back on statements up to 24 months; any previous dates require a request with the branch. Check Top UAE Banks Credit Card Statement [ADCB Credit Card Statement - Online & Offline](https://www.paisabazaar.ae/credit-cards/articles/adcb-credit-card-statement/) [American Express Credit Card Statement](https://www.paisabazaar.ae/credit-cards/articles/american-express-credit-card-statement/) [Dubai Islamic Bank Credit Card Statement](https://www.paisabazaar.ae/credit-cards/articles/dib-credit-card-statement/) [Dubai First Bank Credit Card Statement](https://www.paisabazaar.ae/credit-cards/articles/dubai-first-bank-credit-card-statement/) [Emirates Islamic Credit Card Statement](https://www.paisabazaar.ae/credit-cards/articles/emirates-islamic-credit-card-statement/) [FAB Credit Card Statement](https://www.paisabazaar.ae/credit-cards/articles/fab-credit-card-statement/) [HSBC Credit Card Statment - Online & Offline](https://www.paisabazaar.ae/credit-cards/articles/hsbc-credit-card-statement/) [RAKBANK Credit Card Statement](https://www.paisabazaar.ae/credit-cards/articles/rakbank-credit-card-statement/) [Standard Chartered Bank Credit Card Statement](https://www.paisabazaar.ae/credit-cards/articles/standard-chartered-bank-credit-card-statement/) ## People Also Looking For [Credit Cards](https://www.paisabazaar.ae/credit-cards/)[Credit Cards With Access to Airport Lounges](https://www.paisabazaar.ae/credit-cards/articles/5-credit-cards-offering-complimentary-airport-lounge-access/)[Cash Back Credit Cards](https://www.paisabazaar.ae/credit-cards/articles/top-cashback-credit-cards-in-uae/)[Application Credit Card Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-credit-card-application-status/)[Emirates NBD Credit Card Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-emirates-nbd-credit-card-application-status/)[Free Credit Card for Lifetime](https://www.paisabazaar.ae/credit-cards/free-for-life-credit-cards/)[Apply For Credit Card Instant Approval](https://www.paisabazaar.ae/credit-cards/articles/want-a-credit-card-with-instant-approval-here-are-your-options/) [Top Credit Cards For Beginners](https://www.paisabazaar.ae/credit-cards/articles/best-credit-cards-for-beginners-in-uae/)[Check ADCB Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-adcb-credit-card-application-status/)[Credit Card Without Yearly Fee](https://www.paisabazaar.ae/credit-cards/articles/top-credit-cards-with-no-annual-fee-in-uae/)[Check Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/credit-card-eligibility-in-uae/)[How To Get Credit Card Without Job](https://www.paisabazaar.ae/credit-cards/articles/get-a-credit-card-in-uae-without-a-job/)[Emirate Id Card Status Check](https://www.paisabazaar.ae/credit-cards/articles/check-your-emirates-id-status/) ←Previous [Ajman Bank Credit Card Login](https://www.paisabazaar.ae/credit-cards/articles/ajman-bank-credit-card-login/) Next→ [How to Check HSBC Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-hsbc-credit-card-application-status/)