4ADAbu Dhabi Islamic Bank (ADIB)ADIB Cashback Visa CoveredAED 103.95/yr · AE

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Cash Back · United Arab Emirates

ADIB Cashback Visa Covered Card

4.2 / 5 editorial score

Best for: Shariah-compliant cashback on groceries, fuel, school fees and dining for a low annual fee.

#4 of 7 · Cash Back · UAE #10 of 17 · All UAE cards

Annual feeAED 103.95/yr

IssuerAbu Dhabi Islamic Bank (ADIB)

NetworkVisa

Welcome offerSee issuer for the current offer

Interest rate3.75% monthly profit rate (45.63%…

Foreign fee2.3% service fee on non-AED sp…

Who qualifiesSee issuer (ADIB does not publish a…

Why it ranks

High 4% rate across five everyday categories
Very low annual fee
Shariah-compliant structure

What holds it back

Per-category caps stall heavy spend in one area
Minimum salary not published
No lounge access listed

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Our verdict

Why the ADIB Cashback Visa Covered Card ranks where it does

The ADIB Cashback Visa Covered Card is the strongest low-cost Islamic cashback card we list. For AED 99 a year plus VAT, it pays 4% on groceries, fuel and automobile, and school and education, each up to AED 300 a month, and on dining up to AED 200 and utilities up to AED 100, with a total cap of AED 1,000 a month.

The per-category caps are the thing to watch. AED 300 at 4% covers AED 7,500 of grocery or school-fee spend a month, which is generous, but heavy spend in one area stops earning while other categories sit unused. The structure is a commodity Murabaha with a 3.75% monthly profit rate, and ADIB may offset monthly profit when you pay in full.

Two gaps remain. ADIB does not publish a minimum salary for the card online, so eligibility has to be checked with the bank, and no lounge access is listed. Foreign currency spend costs 2.3% plus Visa's fee, and 2.75% applies to international spend billed in AED from 10 September 2026. At this fee level, about AED 2,600 of grocery spend in a single month covers the year's cost.

Good fit if

Families wanting a Shariah-compliant card for groceries, fuel and school fees
People who want a very low annual fee
Households spending across several essentials rather than one

Skip it if

Anyone who needs lounge access
Frequent spenders in foreign currency

Worked example

Assume AED 3,000 a month on groceries, AED 1,000 on fuel, AED 2,500 of school fees averaged monthly, AED 1,000 on dining and AED 500 on utilities. At 4%, that is AED 120 + AED 40 + AED 100 + AED 40 + AED 20 = AED 320 a month, within every cap, or AED 3,840 a year. Subtracting the AED 99 fee plus 5% VAT, about AED 104, leaves roughly AED 3,736 in cashback over the year.

How it stacks up

The DIB Consumer Cashback Covered Card pays a lower 3% but adds Salik, Nol and telecom bills, costs AED 210 and publishes a minimum salary of AED 5,000. The ADCB 365 Cashback pays more on dining and fuel but is conventional, not Islamic, and needs AED 5,000 of monthly spend. For most Islamic banking customers, ADIB's card is the better value.

The ADIB Cashback Visa Covered Card pays 4% across groceries, fuel, school fees, dining and utilities for an annual fee of AED 99 plus VAT, with a separate monthly cap on each category. Figures are as of September 2026.