ADIB Credit Card Eligibility

Abu Dhabi Islamic Bank (ADIB) is reputed for providing numerous options when it comes to credit cards in UAE, which has quickly become a popular payment method in the country. Using an ADIB credit card, you can avail of various rewards and points and enjoy exciting offers. However, to receive all these benefits, you must first meet Abu Dhabi Islamic Bank’s credit card eligibility in the UAE to be able to own such a card. 

Eligibility Criteria to be Fulfilled to Apply for ADIB Credit Cards 

To start our exploration, let’s first have a look at the major eligibility criteria applicable for most ADIB credit cards in UAE.

• The applicant needs to be at least 18 years’ old
• The applicant must have a genuine UAE mobile number (for registration)
• The average minimum salary requirement for most ADIB credit cards is AED 5,000 per month
• A good credit Score is required from the applicant 

Top ADIB Credit Card Eligibility Criteria

Documents Required to Apply for ADIB Credit Cards

Besides the ADIB credit card eligibility in the UAE, you should also be aware of the documents to be kept available when applying for an Abu Dhabi Islamic Bank credit card. Given below is a list of documents required for most ADIB credit cards in UAE –

• Original Passport along with a copy
• Original and a copy of Emirates ID (for UAE residents)
• Bank statement for the last 3 months
• Salary statement from the current employer (should not be older than a month)

The document requirements for ADIB Business Covered credit cards are slightly different, with the list here including –

• Company’s bank statements for the last 6 to 12 months 
• Original and a copy of the following documents –
• Commercial registration
• Power of attorney
• Memorandum of association
• Membership certificate issued by the Chamber of Commerce
• Board Resolutions
• Original and a copy of Passports of all the partners
• Original along with a copy of residential Visa of all the signatories
• Original and a copy of Emirates ID of all the signatories

It should be noted that the Abu Dhabi Islamic Bank may request other documents at its discretion.

Factors Affecting the ADIB Credit Card Eligibility in UAE

The Abu Dhabi Islamic Bank credit card eligibility in the UAE is dynamic and depends upon the bank’s discretion. However, some of the common factors that affect credit card eligibility are as follows:

1. Age – As per ADIB guidelines, individuals who apply for ADIB credit cards should be at least 18 years old. Notably, you can also apply if you are an under-aged person, although the application would have to be done jointly with your legal guardian. A similar limit exists on the maximum side. The bank sets an upper age limit that generally varies between 65 and 75 years concerning its credit card eligibility criteria. The upper age limit, however, depends on several other factors as well. 
2. Minimum Income - Each ADIB credit card has a different income eligibility standard. To be considered eligible to apply for a particular credit card, your salary amount must be in compliance with the same. 
3. Credit History - A credit history check is performed on every ADIB credit card applicant. To make sure that the application can pay their credit card bills, their past loan information, repayment history, and late payments are examined. Moreover, candidates may also be asked to submit previous 3-6 months' banking transactions. 

Owing to such emphasis on credit history, it is advisable to maintain a spotless banking history for at least a year. The benefits of such a good credit history are many. If your credit history is good, you can also qualify for credit card financing from ADIB.

Improving Your ADIB Credit Card Eligibility in UAE 

As an applicant, you can have a second opportunity to apply for an Abu Dhabi Islamic Bank credit card if you fail to meet all the bank’s requirements or have your initial application rejected. You can make the best of the next opportunity by increasing your creditworthiness, with a few ways to do the same discussed below:

1. Avoid Submitting Multiple New Credit Card Requests – It is a poor idea to make too many credit card queries with various credit card issuers even after rejection. While you may be unaware, each application (as well as its rejection/approval) is factored in the calculation of your credit score. Thus, you can work on improving your financial fundamentals and wait for some time before applying for the ADIB credit card again to have better approval chances the next time.
2. Pay Outstanding Balance on Time – It is necessary to ensure that you pay all your bills – credit card(s) and otherwise - before or at least on their due date. As mentioned earlier, credit companies carry out a thorough investigation of your credit repayment history before approving your request for a new credit card. By paying your bills and dues on time, you can demonstrate an improvement in terms of punctuality in repayments and increase the probability of approval.
3. Mention All Your Income Sources While Applying - In addition to your primary income source, credit card issuers are also interested in knowing about any additional sources of income that you may have. By presenting all your income sources, you can lower your debt-to-income ratio and increase your chances of being approved for a credit card. At the same time, you must be careful not to overstate your income as any mismatch in information could diminish your prospects.

FAQ's