ADIB Balance Transfer Credit Cards in UAE

Established in 1997, Abu Dhabi Islamic Bank is the world’s fourth-largest Islamic bank by assets. Notably, the bank was the first Islamic bank incorporated in the United Arab Emirates. With a wide range of customised financial products and services, the bank offers world-class digital banking services and a highly-personalised experience for its customers. The bank serves thousands of banking customers through a vast network of 60 branches and 520 ATMs in the UAE. 

ADIB is renowned for its unique banking products like bank accounts, credit cards, priority banking, wealth management, investment plans, and more. From that list of exquisite products, ADIB credit cards offer various exciting deals and discounts on travel, lifestyle, dining, entertainment, etc. And that’s not all, as these rewards are backed up with valuable features like purchase protection, extended warranty, cash in advance, balance transfers, etc.

This article lists the best ADIB balance transfer credit cards to help you find the suitable one with great ease when required.

Best ADIB Balance Transfer Credit Cards in the UAE

Here is a list of the top Abu Dhabi Islamic Bank balance transfer credit cards to choose from depending upon your financial needs.

ADIB Cashback Visa Platinum Card

Cashback Visa Platinum Credit Card is one of the best-performing ADIB balance transfer credit cards. With this credit card, you can enjoy attractive deals and discounts on retail shopping while earning a good amount of cashback. The credit card is free for the first year, and you need to pay an annual membership fee of AED 1,000 second year onwards to keep using the credit card.

Balance Transfers: With this ADIB balance transfer credit card, you can consolidate your other bank credit card debts and transfer them to the outstanding amount of your Cashback Visa Platinum credit card at a zero percent interest rate. Check out how the service works.

• If using up to 50 percent of the available credit limit, the bank allows you to convert the transferred amount into 12 monthly payments with a processing fee of 2 percent or AED 200, whichever is higher. 
• If using up to 100 percent of the available credit limit, the bank allows you to convert the transferred amount into three monthly payments with a processing fee of 3 percent or AED 200, whichever is higher.

ADIB Emirates Skywards World Card

Emirates Skywards World Card is another ADIB balance transfer credit card with a wide range of Skyward Miles earning opportunities. The annual membership fee of the credit card is AED 1,500 which you need to pay to keep your credit card active.

Balance Transfers: This ADIB balance transfer credit card allows you to centralise your other bank credit card debts and transfer the same to your Emirates Skywards World Card outstanding amount at a zero per cent interest rate. Here is how the balance transfers service works with this credit card.

• The bank allows you to convert the transferred amount into easy monthly payments of up to 12 months if using up to 50 per cent of the available credit limit. A processing fee of AED 200 or 2 per cent of the balance transfer amount, whichever is higher, applies.
• If you are availing of the total available credit limit, you need to choose the tenure of three months to make the full repayment. A processing fee of AED 200 or 3 per cent of the balance transfer amount, whichever is higher, applies.
• You can call the bank’s helpline at 8002882 or send an SMS "BT" to 2400 to activate the service.

ADIB EDGE Credit Card

ADIB EDGE card is a balance transfer credit card offering several exciting reward points benefits. While the annual membership fee for the credit card is AED 750, diamond customers carrying the Principal card need not pay any fee to keep using this credit card. 

• Balance Transfers: Like other ADIB balance transfer credit cards, EDGE Card also allows you to transfer your other bank credit cards’ outstanding amount to your ADIB credit card at a zero per cent interest rate. Depending upon the percentage of the available credit limit you are using, you can choose the tenure for easy monthly payments. For instance, if you are using up to 50 per cent, you can convert the transferred amount into 12 instalments. However, if you choose the total available credit limit, you must repay the same in three monthly instalments. A processing fee of a certain amount will be applicable to the transferred amount.

ADIB Booking.Com Infinite Card

Booking.Com Infinite Card is an ADIB balance transfer credit card with exciting discounts on hotel and flight bookings. With this credit card, card members earn even on their expenditures with attractive reward point programs. AED 2,000 is the annual membership fee of this credit card.

Balance Transfers: ADIB Booking.Com Infinite Card offers a balance transfer facility at a zero per cent interest rate. With this provision, you can consolidate your other bank credit card outstanding amount and transfer it to your ADIB credit card with the facility. Here are the terms of the balance transfer facility offered by Abu Dhabi Islamic Bank. 

• The transferred amount of up to 50 per cent of the available credit limit can be converted into 12 monthly payments. A processing fee of AED 200 or 2 per cent of the balance transfer amount, whichever is higher, applies.
• The transferred amount of up to 100 per cent of the available credit limit can be converted into three monthly payments. A processing fee of AED 200 or 3 per cent of the balance transfer amount, whichever is higher, applies.
• You can call the bank’s helpline at 8002882 or send an SMS "BT" to 2400 to activate the service.

ADIB Emirates Skywards World Elite Card

Emirates Skywards World Elite Card is an ADIB balance transfer credit card with a wide range of Skyward Miles earning opportunities. The annual membership fee of the credit card is AED 4,500.

Balance Transfers: You can use the balance transfer facility provided by ADIB Emirates Skywards World Elite Card to easily repay your debts with great ease. With this credit card, you can pay your non-ADIB credit cards bills using your ADIB credit card. The amount gets added to the outstanding amount of your current billing cycle that you can convert into easy monthly payments. The best part about the service is that you need not pay any interest on the instalments. Keep reading to know more about the service.

• The bank allows you to convert the transferred amount into easy monthly payments of up to 12 months if using up to 50 per cent of the available credit limit. A processing fee of AED 200 or 2 per cent of the balance transfer amount, whichever is higher, will be applicable.
• If you are availing of the total available credit limit, you need to choose the tenure of three months to make the full repayment. A processing fee of AED 200 or 3 per cent of the balance transfer amount, whichever is higher, applies.
• You can call the bank’s helpline at 600 543216 to activate the service.

Features and Benefits of ADIB Balance Transfer Credit Cards

Here are a few major features and benefits of all the ADIB balance transfers credit cards available in the UAE.

• Higher Credit Limit: Abu Dhabi Islamic Bank credit cards offer a higher credit limit to card members with a good credit Score and remarkable repayment history. 
• Lower Interest Rates: You can also enjoy lower interest rates on different types of ADIB credit card loans including balance transfers, cash on call, easy payment plans, and more.
• Cash in Advance: ADIB credit cards allow card members to withdraw cash in advance of up to 100 per cent of their available credit limit. You can repay the borrowed amount in easy monthly payments as per your financial convenience.
• Easy Instalment Plans: With other accessible credit card loan services, Abu Dhabi Islamic Bank offers easy payment plans to help you convert your high-value purchases into small monthly instalments for quick repayments.
• Online Banking: Abu Dhabi Islamic Bank allows you to access your credit card details using the online banking portal in just a few clicks. All you need to do is log in to the portal and go to the credit cards section to check all the transactions and other activities.
• Mobile Banking: Just like the online banking platform, you can also use the bank’s mobile banking app to access your credit card details. You can download the mobile app from one of your preferred app stores and log in to the same using your unique banking credentials.
• Extended Warranty: You can get an extended warranty benefit on the products purchased using an Abu Dhabi Islamic Bank credit card. In some cases, the benefit doubles the warranty provided by the manufacturer.
• Purchase Protection: You can also get purchase protection against loss or damage caused to the products bought using an ADIB credit card.
• Travel Insurance: Abu Dhabi Islamic Bank credit cards also offer travel insurance coverage against loss, damage, or bodily injuries caused to the cardholder or their family members while travelling. The service has to be activated first by calling the bank’s help and support desk before starting the travel.
• Hotel Discounts: Some of the ADIB credit cards offer exciting deals and discounts on room bookings at select merchant properties. The bank offers a specialised category of Booking.com credit cards with such offers.
• Dining Offers: With ADIB credit cards, you can also enjoy attractive dining offers at select restaurants in the UAE. 
• Lifestyle/Entertainment Offers: Abu Dhabi Islamic Bank credit cards offer exciting lifestyle benefits like complimentary access to leading golf clubs, discounted movie tickets, free valet parking at select locations, access to premium spas and fitness clubs, etc.
• Travel Benefits: Abu Dhabi Islamic Bank credit cards offer a wide range of travel benefits that include complimentary airport lounge access, free airport transfers, home check-ins, and more. 

Eligibility Criteria to Apply for ADIB Balance Transfer Credit Cards

Documents Required for ADIB Balance Transfer Credit Cards

Here are a few major documents you will need to submit when applying for an Abu Dhabi Islamic Bank Balance Transfer Credit Card.

• Emirates ID (for identity verification) – Original and a copy
• A valid Passport with an active residency visa – Original and a copy
• Address verification documents such as Contract of Tenancy or Utility Bills – Original and a copy of each
• Income verification documents like salary letters or appointment letters
• A valid trade license (in the case of self-employed applicants)
• Bank statement for the previous three months showing salary credit transactions for each month

How to Apply for ADIB Balance Transfer Credit Cards

Here are a few simple ways to help you apply for your desired Abu Dhabi Islamic Bank credit card with balance transfer benefits.

• Online Banking- Abu Dhabi Islamic Bank allows you to access all the banking products and services through an online banking portal. If you are an existing ADIB customer, you can log in to this portal using your unique banking credentials. Once done, you can go to the credit cards section and fill out the application form to apply for your chosen balance transfer credit card. Make sure you submit the form with the entire set of required documents to avoid any delay in the application approval. 
• Mobile Banking- Similar to the online banking portal, you can also use the bank’s mobile banking application to apply for your chosen ADIB credit card with balance transfers. Simply log in to the mobile app and find the same application form. After filling it out, submit it with all the essential documents attached to complete the application process.
• Bank’s Website - New ADIB customers have the option of visiting the bank’s website and filling out the online application form to apply for their preferred Abu Dhabi Islamic Bank balance transfer credit card. All they need to do is fill out the application form by providing their basic details like their name, mobile number, email address, monthly income, and the type of credit card they want to get. Once done, they have to upload the necessary documents to support the information provided and complete the application.
• Bank’s Branch - If the offline way is your preference, you can always visit the nearest ADIB branch to apply for a suitable Abu Dhabi Islamic Bank credit card with balance transfer benefits. At the branch, get an offline application form from one of the bank representatives, fill it out with your basic details, and submit it with all the necessary documents. 
• Our Website - Among all the online application methods, applying through our website is one of the most convenient ones. And while you will need to fill out the same application form available in our credit cards section, you will also get to explore more credit card options at the same time. The best part is you can contact our help and support team in case you need assistance with submitting your application. Our financial experts will be glad to take you through the entire application process and help you submit the same without any hassle.

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