ADIB Spice Card

ADIB Spice Card

Min. salary
AED 5,000
Annual fee
AED 199
Best for
  • Cashback
  • Airmiles
  • Dining
Enjoy the special Cash on Call option with the ADIB Spice card. Get access to cash up to your available limit in one easy phone call and flexible repayment options.
View Summary
Card Replacement fee
AED 75
Over Limit fee
Late payment fee
Cash Withdrawal Fee
AED 99 OR 3% Which ever is higher

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Unique Features

  • Earn 1 reward point for every 1 AED spend on your card domestically, and earn 2 reward points on every 1 AED spent internationally.
  • Points can be redeemed towards airline tickets, shopping mall vouchers.
  • Convert your jewelry purchases into easy monthly installments of up to 6 months at 0% profit rate at participating outlets. 
  • Avail Priceless Arabia offers from MasterCard.


  • Get up to 9% cashback on all restaurant spends, 7% cashback on supermarket and grocery spend, 4% cashback on fuel and 1% cashback on all utility payments. 
  • The minimum monthly spend of AED 3,000 (in the statement cycle) is required to avail cashback. 
  • Maximum cashback of AED 50 on utility payments, AED 200 on restaurant spends, AED 50 on fuel and AED 100 on grocery spends can be earned.

Core Benefits

  • Free grace period up to 55 days to repay your outstanding balance.
  • A Balance transfer fee of up to 3% or AED 200 will apply; No profit up to 12 months.