ADIB Free for Life Credit Cards
ADIB free for life credit card brings you several perks without any membership fee. You can enjoy BOGO deals, card protection benefits, and points on transactions. Such a free for life card is ideal if you’re applying for a card for the first time or are new to the UAE and want to build your credit ...read more
ADIB Free for Life Credit Card — Key Features
At present, ADIB has one active card that has zero annual membership fees — the ADIB Smiles Visa Classic card. Note that other free-for-life cards have been discontinued.
Here are its primary features —
ADIB Smiles Visa Classic Card
- Earn 5,000 Smiles points on signing up
- Enjoy exclusive ‘Buy 1 Get 1’ deals on the Smiles app
- Redeem your earned points for 1,000+ airline bookings and 50,000+ hotel bookings
- Simplify your card payments with the Balance Transfer, Easy Instalment Plan, and Cash on Call facilities
- Get optional ADIB Covered Takaful Protection
Are You Eligible for an ADIB Credit Card with No Annual Fee?
ADIB Credit Card has eligibility requirements for all the cards. For the Smiles Visa Classic card, one of the major requirements is a minimum monthly salary of AED 5,000.
Contact the bank for further information regarding the card’s entry requirements.

ADIB Free for Life Credit Card — Documents Checklist
ADIB usually asks applicants to submit a few documents as part of the application process. Here is a list of some generally required documents —
✔️ Valid UAE Emirates ID
✔️ Valid Passport
✔️ A Salary Certificate (not more than 30 days old)
✔️ Latest 3 Months’ Bank Account Statement
ADIB Credit Card — Fees and Charges
In the table below, we have covered the key charges related to ADIB cards in the UAE —
| Type of Fee | Charges |
|---|---|
| Card Replacement Fee | AED 75 |
| Temporary Increase Limit Fee | AED 50 |
| Liability/ No Liability Letter | AED 50 |
| Returned Cheque Fee | AED 100 |
| Copy of Sales Receipt | AED 25 |
| Copy of Travel Fares or Hotel Receipt Fee | AED 25 |
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