Abu Dhabi Islamic Bank
ADIB Exceed Visa Covered Card
- Salary
- AED 5,000
- Fee
- AED 99
- Reward
- miles
Card comparison
ADIB Exceed Visa Covered Card vs SIB Smiles Titanium Mastercard vs TouchPoints Titanium/ Gold Credit Card vs Skywards Signature Credit Card
Compare ADIB Exceed Visa Covered Card from Abu Dhabi Islamic Bank, SIB Smiles Titanium Mastercard from Sharjah Islamic Bank, TouchPoints Titanium/ Gold…
Abu Dhabi Islamic Bank
ADIB Exceed Visa Covered Card
Sharjah Islamic Bank
SIB Smiles Titanium Mastercard
- Salary
- AED 5,000
- Fee
- AED 0
- Reward
- Not listed
Abu Dhabi Commercial Bank
TouchPoints Titanium/ Gold Credit Card
- Salary
- AED 5,000
- Fee
- Free
- Reward
- rewards
Emirates Islamic
Skywards Signature Credit Card
- Salary
- AED 12,000
- Fee
- AED 735
- Reward
- Skywards Miles
Side by side
Compare key facts
ADIB Exceed Visa Covered CardAbu Dhabi Islamic BankSIB Smiles Titanium MastercardSharjah Islamic BankTouchPoints Titanium/ Gold Credit CardAbu Dhabi Commercial BankSkywards Signature Credit CardEmirates Islamic
Rewards
Reward details
ADIB Exceed Visa Covered Card
Miles- Lounge
- Travel
- Islamic
- Low fee
SIB Smiles Titanium Mastercard
- 1 Smile per AED 2 - Earn 1 Smiles for every AED 2 spent locally
- 2 Smiles per AED 2 - Earn 2 Smiles for every AED 2 spent internationally
- 0.5 Smiles per AED 2 - Earn 0.5 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Miles
- Lounge
- Groceries
- Travel
- Islamic
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Eligibility
Minimum Salary
ADIB Exceed Visa Covered CardAED 5,000↓
SIB Smiles Titanium MastercardAED 5,000↓
TouchPoints Titanium/ Gold Credit CardAED 5,000↓
Skywards Signature Credit CardAED 12,000↑
Salary Transfer Required
ADIB Exceed Visa Covered CardNot listed
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardNo
Skywards Signature Credit CardNot listed
Required Documents
ADIB Exceed Visa Covered Card
Original and copy of valid passport- Original and copy of valid Emirates ID
- Bank account statement (last 3 months)
- Salary certificate from current employer (not more than 30 days old)
SIB Smiles Titanium Mastercard
- Application form
- Passport and Emirates ID copy
- Valid residence visa for expatriates
- Proof of income
- Bank statement
- Valid trade license for self-employed applicants
- Memorandum of association / partnership agreement / power of attorney where applicable
TouchPoints Titanium/ Gold Credit Card
- Valid Emirates ID - Mandatory - A valid Emirates ID
- Proof of income - Mandatory - Latest salary certificate or bank statements
- Passport copy - Mandatory - A copy of passport
Skywards Signature Credit Card
- Salary Certificate / Payslip - Proof of income - minimumSalary: AED 12,000
- Valid Emirates ID - Proof of identity
- Bank Statements - Latest 3 months - sourceDocuments include bank statements
Fees and rates
Annual Fee
ADIB Exceed Visa Covered CardAED 99•
SIB Smiles Titanium MastercardAED 0↓
TouchPoints Titanium/ Gold Credit CardFree
Skywards Signature Credit CardAED 735↑
First Year Annual Fee
ADIB Exceed Visa Covered CardNot listed
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
Skywards Signature Credit CardAED 0
Foreign Transaction Fee
ADIB Exceed Visa Covered CardNot listed
SIB Smiles Titanium Mastercard2.5%•
TouchPoints Titanium/ Gold Credit Card2.99%↑
Skywards Signature Credit Card2.34%↓
APR
ADIB Exceed Visa Covered Card45.63% APR↑
SIB Smiles Titanium Mastercard29.88% APR↓
TouchPoints Titanium/ Gold Credit Card44.28% APR•
Skywards Signature Credit Card44.28% APR•
Cash Advance Fee
ADIB Exceed Visa Covered CardNot listed
SIB Smiles Titanium MastercardAED 3.15•
TouchPoints Titanium/ Gold Credit CardNot listed
Skywards Signature Credit CardAED 3.15•
Cashback and rewards
Rewards
ADIB Exceed Visa Covered Card
Miles- Lounge
- Travel
- Islamic
- Low fee
SIB Smiles Titanium Mastercard
- 1 Smile per AED 2 - Earn 1 Smiles for every AED 2 spent locally
- 2 Smiles per AED 2 - Earn 2 Smiles for every AED 2 spent internationally
- 0.5 Smiles per AED 2 - Earn 0.5 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Miles
- Lounge
- Groceries
- Travel
- Islamic
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Reward Rate
ADIB Exceed Visa Covered Card
- Miles
- Lounge
- Travel
- Islamic
- Low fee
SIB Smiles Titanium Mastercard
- 1 Smile per AED 2 - Earn 1 Smiles for every AED 2 spent locally
- 2 Smiles per AED 2 - Earn 2 Smiles for every AED 2 spent internationally
- 0.5 Smiles per AED 2 - Earn 0.5 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Miles
- Lounge
- Groceries
- Travel
- Islamic
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Travel
Airport Lounge Access
ADIB Exceed Visa Covered CardNot listed
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
Skywards Signature Credit Cardmentioned
Valet Parking
ADIB Exceed Visa Covered CardNot listed
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
Skywards Signature Credit Card1 complimentary valet parking service per month
Card Network
ADIB Exceed Visa Covered CardVisa
SIB Smiles Titanium MastercardMastercard
TouchPoints Titanium/ Gold Credit CardMastercard
Skywards Signature Credit CardVisa
Card type
Sharia Compliant
ADIB Exceed Visa Covered CardYes
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardNo
Skywards Signature Credit CardYes
Islamic
ADIB Exceed Visa Covered CardYes
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardNo
Skywards Signature Credit CardYes
Other useful facts
Minimum Credit Limit
ADIB Exceed Visa Covered CardNot listed
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardAED 3,000
Skywards Signature Credit CardNot listed
APR
ADIB Exceed Visa Covered Card45.63%↑
SIB Smiles Titanium Mastercard29.88%↓
TouchPoints Titanium/ Gold Credit Card44.28%•
Skywards Signature Credit Card44.28%•
Monthly purchase rate
ADIB Exceed Visa Covered Card3.75%↑
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit Card3.69%↓
Skywards Signature Credit CardNot listed
Movie Benefit
ADIB Exceed Visa Covered CardNot listed
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardBuy1-Get1 free movie tickets at VOX cinemas
Skywards Signature Credit CardReel Cinemas
Minimum Payment
ADIB Exceed Visa Covered CardInstalment amount + 5% of present balance, minimum AED 100
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit Card5% or AED 100, whichever is higher
Skywards Signature Credit Card5% of closing balance outstanding or AED 100, whichever is higher
V A T
ADIB Exceed Visa Covered Card5%
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
Skywards Signature Credit CardNot listed
Damaged Card Fee Waiver
ADIB Exceed Visa Covered CardYes
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
Skywards Signature Credit CardNot listed
Death Benefit
ADIB Exceed Visa Covered Card200% of Present Balance or AED 250,000
SIB Smiles Titanium MastercardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
Skywards Signature Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
| Field | ADIB Exceed Visa Covered CardAbu Dhabi Islamic Bank | SIB Smiles Titanium MastercardSharjah Islamic Bank | TouchPoints Titanium/ Gold Credit CardAbu Dhabi Commercial Bank | Skywards Signature Credit CardEmirates Islamic |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
|
|
|
|
| Eligibility | ||||
| Minimum Salary | AED 5,000↓ | AED 5,000↓ | AED 5,000↓ | AED 12,000↑ |
| Salary Transfer Required | Not listed | Not listed | No | Not listed |
| Required Documents |
|
|
|
|
| Fees and rates | ||||
| Annual Fee | AED 99• | AED 0↓ | Free | AED 735↑ |
| First Year Annual Fee | Not listed | Not listed | Not listed | AED 0 |
| Foreign Transaction Fee | Not listed | 2.5%• | 2.99%↑ | 2.34%↓ |
| APR | 45.63% APR↑ | 29.88% APR↓ | 44.28% APR• | 44.28% APR• |
| Cash Advance Fee | Not listed | AED 3.15• | Not listed | AED 3.15• |
| Cashback and rewards | ||||
| Rewards |
|
|
|
|
| Reward Rate |
|
|
|
|
| Travel | ||||
| Airport Lounge Access | Not listed | Not listed | Not listed | mentioned |
| Valet Parking | Not listed | Not listed | Not listed | 1 complimentary valet parking service per month |
| Card Network | Visa | Mastercard | Mastercard | Visa |
| Card type | ||||
| Sharia Compliant | Yes | Not listed | No | Yes |
| Islamic | Yes | Not listed | No | Yes |
| Other useful facts | ||||
| Minimum Credit Limit | Not listed | Not listed | AED 3,000 | Not listed |
| APR | 45.63%↑ | 29.88%↓ | 44.28%• | 44.28%• |
| Monthly purchase rate | 3.75%↑ | Not listed | 3.69%↓ | Not listed |
| Movie Benefit | Not listed | Not listed | Buy1-Get1 free movie tickets at VOX cinemas | Reel Cinemas |
| Minimum Payment | Instalment amount + 5% of present balance, minimum AED 100 | Not listed | 5% or AED 100, whichever is higher | 5% of closing balance outstanding or AED 100, whichever is higher |
| V A T | 5% | Not listed | Not listed | Not listed |
| Damaged Card Fee Waiver | Yes | Not listed | Not listed | Not listed |
| Death Benefit | 200% of Present Balance or AED 250,000 | Not listed | Not listed | Not listed |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | APR | Cashback* | Rewards | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
ADIB Exceed Visa Covered CardMiles · Lounge · Travel
|
Abu Dhabi Islamic Bank | AED 99 | AED 5,000 | 45.63% APR |      | Visa | Details | ||
|
SIB Smiles Titanium MastercardMiles · Lounge · Groceries
|
Sharjah Islamic Bank | AED 0 | AED 5,000 | 29.88% APR |
|  | Mastercard | Details | |
TouchPoints Titanium/ Gold Credit CardMiles · Lounge · Dining
|
Abu Dhabi Commercial Bank | Free | AED 5,000 | 44.28% APR |   | Mastercard | Details | ||
Skywards Signature Credit CardMiles · Lounge · Travel
|
Emirates Islamic | AED 735 | AED 12,000 | 44.28% APR | | Visa | Details |
APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.
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.