ADIB – Spice Card
Minimum Salary
AED
Islamic Finance
Yes
Cashback
Yes
Annual Fee
AED 0
Salary Transfer
No
Rate
3.09%
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Features

  • Cashback Rewards: Earn up to 9% cashback on your purchases, with up to 4% specifically on fuel expenditures.
  • Cash Withdrawal: Access up to 100% of your credit limit as cash.
  • ADIB Reward Points: Accumulate ADIB Reward Points with every transaction.
  • Priceless Arabia: Enjoy exclusive offers through Priceless Arabia.
  • Dining Discounts: Receive discounts at participating restaurants.
  • Flight Redemption: Use ADIB Reward Points to book flights with any airline.
  • Easy Pay Plan: Opt for flexible payment plans with Easy Pay options.
  • Shopping Vouchers: Redeem your ADIB Reward Points for vouchers at various shopping malls in Abu Dhabi and Sharjah.
  • Jewelry Financing: Convert purchases at select jewelers into Easy Payment Plans with 0% profit, with a minimum spend of AED 1,000.
  • Airport Lounge Access: Unlimited access to airport lounges across the GCC.
Calculator Terminology

Principal Amount: The initial amount of money borrowed.

Annual Interest Rate (%): The yearly interest rate applied to the loan or credit product, also known as APR in this context.

Loan Term (Years): The original duration of the loan or credit agreement, stated in years.

Effective Monthly Payment: The total monthly payment that accounts for all fees and associated costs related to the product.

Calculated Annual Percentage Rate (APR): The APR is computed using the annual interest rate along with fees and other expenses. It serves as a standardized measure for comparing the overall cost of different products with varying interest rates and fee structures across different financial institutions.

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