Abu Dhabi Islamic Bank
Adib Business Covered Visa Platinum Card
- Salary
- Ask bank
- Fee
- AED 500
- Reward
- 4%
Card comparison
Adib Business Covered Visa Platinum Card vs SIB Smiles World Mastercard vs Smart Saadiq Credit Card vs Adib Covered Card
Compare Adib Business Covered Visa Platinum Card from Abu Dhabi Islamic Bank, SIB Smiles World Mastercard from Sharjah Islamic Bank, Smart Saadiq Credit…
Abu Dhabi Islamic Bank
Adib Business Covered Visa Platinum Card
Sharjah Islamic Bank
SIB Smiles World Mastercard
- Salary
- Ask bank
- Fee
- AED 525
- Reward
- 10%
Standard Chartered
Smart Saadiq Credit Card
- Salary
- Ask bank
- Fee
- AED 315
- Reward
- rewards
Abu Dhabi Islamic Bank
Adib Covered Card
- Salary
- AED 5,000
- Fee
- AED 250
- Reward
- 100%
Side by side
Compare key facts
Adib Business Covered Visa Platinum CardAbu Dhabi Islamic BankSIB Smiles World MastercardSharjah Islamic BankSmart Saadiq Credit CardStandard CharteredAdib Covered CardAbu Dhabi Islamic Bank
Eligibility
Minimum Salary
Adib Business Covered Visa Platinum CardNot listed
SIB Smiles World MastercardNot listed
Smart Saadiq Credit CardNot listed
Adib Covered CardAED 5,000
Required Documents
Adib Business Covered Visa Platinum CardTrade license - Valid trade license of the business; Business registration documents - Official registration documents; Authorized signatory proof - Proof of authorized signatory; Application - Standard application for Covered Card - At the time of applying for the Covered Card, you can provide for your card's Cover Limit by using your own money or proceeds from sale of commodities.; Identification - Standard KYC documents
SIB Smiles World MastercardValid Emirates ID - Proof of residency and identity - A valid Emirates ID; Proof of income - Salary certificate or bank statements - Latest 3 months bank statements; Passport - Proof of identity and residency - A valid passport
Smart Saadiq Credit CardValid Emirates ID - Proof of identity and residency - A valid Emirates ID; Proof of income - Salary certificate or bank statements - Latest salary certificate or bank statements; Passport copy - Proof of identity - A valid passport; nominal one-off fee; identityProof - identityProof: null; residenceProof - residenceProof: null
Adib Covered CardValid Emirates ID - Mandatory - A valid Emirates ID; Proof of Income - Latest salary certificate or bank statement - Latest 3 months bank statements or salary certificate; Passport Copy - Mandatory - A valid passport copy; Application - Standard application for Covered Card - At the time of applying for the Covered Card, you can provide for your card's Cover Limit by using your own money or proceeds from sale of commodities.; Identification - Standard KYC documents
Fees and rates
Annual Fee
Adib Business Covered Visa Platinum CardAED 500•
SIB Smiles World MastercardAED 525↑
Smart Saadiq Credit CardAED 315•
Adib Covered CardAED 250↓
Foreign Transaction Fee
Adib Business Covered Visa Platinum CardNot listed
SIB Smiles World MastercardNot listed
Smart Saadiq Credit Card2.99%
Adib Covered CardNot listed
Interest Rate
Adib Business Covered Visa Platinum Card0.99%↓
SIB Smiles World MastercardNot listed
Smart Saadiq Credit Card3.69%↑
Adib Covered Card0.99%↓
Profit Rate
Adib Business Covered Visa Platinum CardNot listed
SIB Smiles World Mastercard2.49%
Smart Saadiq Credit Cardapplicable as notified by the Bank
Adib Covered CardNot listed
Cash Advance Fee
Adib Business Covered Visa Platinum CardNot listed
SIB Smiles World MastercardNot listed
Smart Saadiq Credit CardAED 0
Adib Covered CardNot listed
Late Payment Fee
Adib Business Covered Visa Platinum CardNot listed
SIB Smiles World MastercardNot listed
Smart Saadiq Credit CardAED 0↓
Adib Covered CardAED 100↑
Cashback and rewards
Rewards
Adib Business Covered Visa Platinum Cardmiles - rewardsType: miles
SIB Smiles World MastercardCashback - cashbackRate: 10%↑
Smart Saadiq Credit CardwelcomeOffer: 10%↑
Adib Covered CardReward Points - 1 point per AED 1 spent - Earn 1 point per AED 1 spent↓
Cashback Rate
Adib Business Covered Visa Platinum Card4%↓
SIB Smiles World Mastercard10%↑
Smart Saadiq Credit CardNot listed
Adib Covered CardNot listed
Welcome Offer
Adib Business Covered Visa Platinum CardAED 1,000
SIB Smiles World Mastercard50,000 bonus Smiles after AED 20,000 spend within 90 days
Smart Saadiq Credit Card10%
Adib Covered CardNot listed
Travel
Airport Lounge Access
Adib Business Covered Visa Platinum Cardmentioned
SIB Smiles World Mastercardmentioned
Smart Saadiq Credit Cardmentioned
Adib Covered Cardmentioned
Card Network
Adib Business Covered Visa Platinum CardVisa
SIB Smiles World MastercardVisa
Smart Saadiq Credit CardVisa
Adib Covered CardNot listed
Card type
Sharia Compliant
Adib Business Covered Visa Platinum CardYes
SIB Smiles World MastercardYes
Smart Saadiq Credit CardYes
Adib Covered CardYes
Other useful facts
Apr Or Profit Rate
Adib Business Covered Visa Platinum CardNot listed
SIB Smiles World MastercardNot listed
Smart Saadiq Credit Card3.69%
Adib Covered CardNot listed
Minimum Balance
Adib Business Covered Visa Platinum Card4
SIB Smiles World MastercardNot listed
Smart Saadiq Credit Card10.1
Adib Covered Card4
Account Opening Fee
Adib Business Covered Visa Platinum CardFree for Wasel Accountholders
SIB Smiles World MastercardNot listed
Smart Saadiq Credit CardNot listed
Adib Covered CardFree for Wasel Accountholders
Expected Profit Rate Q S A
Adib Business Covered Visa Platinum Card6.5%•
SIB Smiles World MastercardNot listed
Smart Saadiq Credit CardNot listed
Adib Covered Card6.5%•
Expected Profit Rate D P A
Adib Business Covered Visa Platinum Card5.5%•
SIB Smiles World MastercardNot listed
Smart Saadiq Credit CardNot listed
Adib Covered Card5.5%•
V A T
Adib Business Covered Visa Platinum Card5%
SIB Smiles World MastercardNot listed
Smart Saadiq Credit CardNot listed
Adib Covered Card5%
Damaged Card Fee Waiver
Adib Business Covered Visa Platinum CardYes
SIB Smiles World MastercardNot listed
Smart Saadiq Credit CardNot listed
Adib Covered CardYes
Minimum Payment
Adib Business Covered Visa Platinum CardAED 4,000
SIB Smiles World MastercardNot listed
Smart Saadiq Credit Card1%
Adib Covered CardAED 4,000
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
| Field | Adib Business Covered Visa Platinum CardAbu Dhabi Islamic Bank | SIB Smiles World MastercardSharjah Islamic Bank | Smart Saadiq Credit CardStandard Chartered | Adib Covered CardAbu Dhabi Islamic Bank |
|---|---|---|---|---|
| Eligibility | ||||
| Minimum Salary | Not listed | Not listed | Not listed | AED 5,000 |
| Required Documents | Trade license - Valid trade license of the business; Business registration documents - Official registration documents; Authorized signatory proof - Proof of authorized signatory; Application - Standard application for Covered Card - At the time of applying for the Covered Card, you can provide for your card's Cover Limit by using your own money or proceeds from sale of commodities.; Identification - Standard KYC documents | Valid Emirates ID - Proof of residency and identity - A valid Emirates ID; Proof of income - Salary certificate or bank statements - Latest 3 months bank statements; Passport - Proof of identity and residency - A valid passport | Valid Emirates ID - Proof of identity and residency - A valid Emirates ID; Proof of income - Salary certificate or bank statements - Latest salary certificate or bank statements; Passport copy - Proof of identity - A valid passport; nominal one-off fee; identityProof - identityProof: null; residenceProof - residenceProof: null | Valid Emirates ID - Mandatory - A valid Emirates ID; Proof of Income - Latest salary certificate or bank statement - Latest 3 months bank statements or salary certificate; Passport Copy - Mandatory - A valid passport copy; Application - Standard application for Covered Card - At the time of applying for the Covered Card, you can provide for your card's Cover Limit by using your own money or proceeds from sale of commodities.; Identification - Standard KYC documents |
| Fees and rates | ||||
| Annual Fee | AED 500• | AED 525↑ | AED 315• | AED 250↓ |
| Foreign Transaction Fee | Not listed | Not listed | 2.99% | Not listed |
| Interest Rate | 0.99%↓ | Not listed | 3.69%↑ | 0.99%↓ |
| Profit Rate | Not listed | 2.49% | applicable as notified by the Bank | Not listed |
| Cash Advance Fee | Not listed | Not listed | AED 0 | Not listed |
| Late Payment Fee | Not listed | Not listed | AED 0↓ | AED 100↑ |
| Cashback and rewards | ||||
| Rewards | miles - rewardsType: miles | Cashback - cashbackRate: 10%↑ | welcomeOffer: 10%↑ | Reward Points - 1 point per AED 1 spent - Earn 1 point per AED 1 spent↓ |
| Cashback Rate | 4%↓ | 10%↑ | Not listed | Not listed |
| Welcome Offer | AED 1,000 | 50,000 bonus Smiles after AED 20,000 spend within 90 days | 10% | Not listed |
| Travel | ||||
| Airport Lounge Access | mentioned | mentioned | mentioned | mentioned |
| Card Network | Visa | Visa | Visa | Not listed |
| Card type | ||||
| Sharia Compliant | Yes | Yes | Yes | Yes |
| Other useful facts | ||||
| Apr Or Profit Rate | Not listed | Not listed | 3.69% | Not listed |
| Minimum Balance | 4 | Not listed | 10.1 | 4 |
| Account Opening Fee | Free for Wasel Accountholders | Not listed | Not listed | Free for Wasel Accountholders |
| Expected Profit Rate Q S A | 6.5%• | Not listed | Not listed | 6.5%• |
| Expected Profit Rate D P A | 5.5%• | Not listed | Not listed | 5.5%• |
| V A T | 5% | Not listed | Not listed | 5% |
| Damaged Card Fee Waiver | Yes | Not listed | Not listed | Yes |
| Minimum Payment | AED 4,000 | Not listed | 1% | AED 4,000 |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | Interest rate | Rewards | Lounge | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
|
Adib Business Covered Visa Platinum CardCashback · Miles · Lounge
|
Abu Dhabi Islamic Bank | AED 500 | Not listed | 0.99% | 4% | Yes | Visa | Details | |
Benefits
      
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SIB Smiles World MastercardCashback · Miles · Lounge
|
Sharjah Islamic Bank | AED 525 | Not listed | 2.49% p.a. | 10% | Yes | Visa | Details | |
|
Benefits
|
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|
Smart Saadiq Credit CardCashback · Lounge · Travel
|
Standard Chartered | AED 315 | Not listed | 3.69% | rewards | Yes | Visa | Details | |
|
Benefits
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|
Adib Covered CardCashback · Miles · Lounge
|
Abu Dhabi Islamic Bank | AED 250 | AED 5,000 | 0.99% | 100% | Yes | Not listed | Details | |
|
Benefits
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Important
UAEBanks.org is independent research, not a bank or financial adviser. Card fees, eligibility, rewards, offers, and approvals can change. Always verify the latest Key Facts Statement, fees, and terms with the bank before applying.
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UAEBanks.org is an independent research and comparison site, not a bank, broker, financial adviser, UAE government entity, or official bank representative. Fees, eligibility, rewards, offers, and approvals can change. Always verify the latest terms, Key Facts Statement, fees, and conditions with the official bank before applying.