ADIB Covered Card
- APR
- 30.0% – 39.0%
- Annual Fee
- $0
- Rewards
- Up to 5.0%
A Sharia-compliant credit card from Abu Dhabi Islamic Bank offering cashback rewards with no annual fee in the first year.
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Our Verdict
The ADIB Covered Card is a solid option for those seeking Sharia-compliant cashback rewards without an upfront cost.
Pros
- No annual fee in the first year
- Up to 5% cashback on dining
- 3% cashback on groceries
- 1% on general purchases
- Sharia-compliant
Cons
- APR ranges from 30% to 39%
- Limited to Visa network
- Higher rates after the first year
- Cashback categories may not suit all users
This card shines with a generous 5% cashback on dining, making it perfect for food lovers. For groceries, you’ll earn 3%, which is competitive in the UAE market. However, the APR of 30% to 39% is steep, especially after the first year when the annual fee kicks in at AED 0.
Customer service and app functionality have received mixed reviews, with some users reporting delays in support. Unlike some other cashback cards, ADIB's Covered Card limits rewards to specific categories, which might not suit everyone’s spending habits.
For comparison, cards like the FAB Cashback Card offer broader cashback categories but may charge an annual fee. Ultimately, the ADIB Covered Card is a strategic pick for those prioritizing Sharia compliance and dining rewards. For more information, visit ADIB's official page.
Who It's For
Ideal for those looking for a Sharia-compliant credit card with cashback rewards, particularly on dining and groceries.
Watch Out
Be mindful of the high APR if you carry a balance beyond the first year.
Summary
The ADIB Covered Card is a viable option for cashback seekers, especially for dining expenses, but users should be wary of its high APR.
Best For
Best for UAE residents looking for a Sharia-compliant credit card that offers cashback on everyday spending.
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What Customers Say
Cardholders appreciate the cashback rewards but caution about the high APR when carrying a balance.
