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ADIB Rewards - Terms and Conditions

The following terms and conditions are applicable to ADIB Rewards Program as amended, varied, replaced or superseded from time to time by ADIB ("Terms and Conditions"):

1. Definitions:

Unless expressly stated otherwise, in these Terms and Conditions, the capitalized terms have the meaning given to them below:

  • 1.1 ADIB Rewards Eligible Products and Services means one or more of the ADIB products and services listed in Schedule A attached hereto that have been qualified to be included in ADIB Rewards Program.
  • 1.2 ADIB Rewards means the reward points credited into/debited from an ADIB Rewards Account as a result of any eligible transactions that are included in ADIB Rewards Program.
  • 1.3 ADIB Rewards Account means the account in which ADIB Rewards ("Rewards") related to any eligible transaction are reflected for any holder in ADIB records, including earned ADIB Rewards, adjusted ADIB Rewards, bonus ADIB Rewards, redeemed ADIB Rewards and expired ADIB Rewards.
  • 1.4 ADIB Rewards Program means the rewards program established by ADIB pursuant to these Terms and Conditions.
  • 1.5 ADIB Records means the records, books and other information of ADIB related to ADIB Rewards Program.

2.General Terms and Conditions

  • 2.1 ADIB reserves the right to amend, change, or terminate these Terms and Conditions at any time , and to change, vary, modify, terminate or cancel ADIB Rewards Program or any of the benefits or features related thereto, or to amend the eligibility criteria and/or to limit or change the value and validity of points for ADIB Rewards Program, and/or the manner of redemption of points, at any time, at its sole discretion, by giving prior written notice to ADIB Rewards Account Holder and without any liability whatsoever on the part of ADIB.
  • 2.1.1 You hereby acknowledge and accept that the foregoing acts by ADIB may diminish the redemption value of the ADIB Rewards that may be earned from the effective date of such change.
  • 2.1.2 You acknowledge that these Terms and Conditions, as well as other information regarding ADIB Rewards Program, may be accessed online at https://www.adib.ae/en/pages/exceed-rewards-loyalty-program.aspx in their most current form.
  • 2.2 ADIB Rewards Program is subject to these Terms and Conditions, General Terms and Conditions of Accounts and Islamic Banking Services, the terms and conditions applicable to any other ADIB product eligible for participation in ADIB Rewards Program, including without limitation covered cards, personal finance, home finance, cross border remittance transactions, takaful products, salary transfer, ADIB yusr- salary advance finance, digital channels; Internet banking, mobile banking app and such other terms and conditions as may be included herein by ADIB from time to time which are incorporated in full by reference herein and copies of which shall be provided to ADIB Rewards Account Holder upon request.
  • 2.3 These Terms and Conditions are in addition to and supplement the terms and conditions applicable to ADIB online website. In the event of any conflict, these Terms and Conditions will supersede solely on matters related to ADIB Rewards Program. These Terms and Conditions also contain certain disclosures and disclaimers which are in addition to those provided in the terms and conditions applicable to ADIB online website. In the event of any conflict, these disclosures and disclaimers will supersede solely on matters related to ADIB Rewards Program.

3. Enrollment and earning ADIB rewards

  • By accepting these Terms and Conditions, you are deemed to accept to be enrolled in ADIB Rewards Program. The enrollment will be on the level of each RIM (Relationship Information Management) holder (who is/are in good standing) and any supplementary cardholder(s) under such RIM will be enrolled in ADIB Rewards Program upon accepting these Terms and Conditions by ADIB Rewards Account Holder, and accordingly each one of them will be considered as ADIB Rewards Account Holder ("ADIB Rewards Account Holder").
  • 3.2 Upon opening a new relationship (RIM), for any existing relationship with ADIB or enrollment of an ADIB Rewards Eligible Product, ADIB Rewards Account for the primary (first) Account signer will be established. Participation to the program qualifies ADIB Rewards Account Holder/s to benefit from special offers and promotions which may be provided by ADIB from time to time provided ADIB Rewards Account is in good standing.
  • 3.3 Enrollment is subject to the qualifications and conditions (including annual ADIB Rewards accrual limits) as determined by ADIB. ADIB reserves the right, at any time by giving prior written notice to ADIB Rewards Account Holder, to impose a validity period for the participation and to extend or reduce the same in accordance with Conditions 2.1 of these Terms and Conditions.
  • 3.4 Participation in ADIB Rewards Program is non-transferable.
  • 3.5 In the case of joint or multiple holders of ADIB Rewards Account, all authorized signatories thereto will be enrolled in ADIB Rewards Program upon acceptance by the primary ADIB Rewards Account Holder of these Terms and Conditions; however, the use and redemption of ADIB Rewards shall only be available to the primary ADIB Rewards Account signatory as identified in ADIB Records and is limited, as described in these Terms and Conditions. However, each ADIB Rewards Account Holder will accrue ADIB Rewards with respect to his or her related accounts or services to be credited to ADIB Rewards Account. Accounts are identified by the Relation Information Management (RIM) Number of the primary signer in accordance with ADIB Records.
  • 3.6 In case an account signatory(ies) or a supplementary covered cardholder(s) is/are removed from the qualifying ADIB Rewards Account, then such signatory(ies) or supplementary covered cardholder(s) is/ are no longer eligible to participate in ADIB Rewards Program. The relevant existing ADIB Rewards will remain under the ADIB Rewards Account Holder.
  • 3.7 ADIB owns ADIB Rewards Program. ADIB reserves the right to withdraw / discontinue ADIB Rewards Program, terminate ADIB Rewards Program Holder's participation in ADIB Rewards Program.
  • 3.8 ADIB reserves the right to amend, change, terminate any eligible product and service categories at any time by giving prior written notice to ADIB Rewards Program Holder, amend the eligibility and participation criteria, limit or change the value of points, at its sole and absolute discretion and without any liability whatsoever on the part of ADIB in accordance with Condition 2.1 of these Terms and Conditions. ADIB Rewards are granted at the sole discretion of ADIB, and awarding them, even if all terms and conditions are satisfied shall not represent an obligation on ADIB, and neither awarding them, nor the recurrence of awarding them, shall represent or constitute an obligation on ADIB to continue awarding them in any way in the future.

4.ADIB Rewards

  • 4.1 ADIB shall determine, from time to time, at its sole discretion, which ADIB Rewards Accounts (including without limitation covered cards, personal finance, home finance, cross border remittance transactions, takaful products, salary transfer, ADIB yusr salary advance finance, digital channels; Internet banking, mobile banking app) or which ADIB covered card transactions are eligible for inclusion/exclusion in ADIB Rewards Program and will earn ADIB Rewards (each, the "Eligible Transaction"), the associated limits on earnings as well as the number of ADIB Rewards required for redemption of an ADIB Reward. In case of a reversal of any Eligible Transaction, ADIB Rewards credited to ADIB Rewards Account as a result of such Eligible Transaction will be deducted from the accrued ADIB Rewards balance. Debits to ADIB Rewards Account unrelated to the reversed Eligible Transaction will reduce the accrued ADIB Rewards balance as per the calculation criteria set for a particular ADIB Rewards Account.
  • 4.2 Pursuant to Condition 4.1 above, ADIB Rewards are earned for each of ADIB Rewards Account or eligible transaction subject to ADIB Rewards earning criteria, and no ADIB Rewards shall be awarded retroactively. Schedule B attached hereto provides a list of further exceptions to earnings of ADIB Rewards per type of ADIB Rewards Account or eligible transaction. ADIB Rewards may be calculated by rounding down or rounding up the transaction value to the nearest integer and as per the criteria set for each ADIB product as provided in Condition 4.1 above.
  • 4.3 ADIB Rewards are not assignable or otherwise transferable (except for where permitted by ADIB), and are not capable of being pledged, nor can ADIB Rewards of one ADIB Rewards Account Holder be combined with those of another.
  • 4.4 ADIB Rewards are valid for a period of three (3) years from the last day of the month during which such ADIB Rewards are earned. Unless used prior to the expiration date, ADIB Rewards shall expire on such date. Upon expiration, unused ADIB Rewards will be forfeited and removed from ADIB Rewards Account as of the expiration date and cannot be re-credited. It is ADIB Rewards Account Holder's responsibility to be aware of both the number of ADIB Rewards in his/her account, and their expiration date. This can be monitored at any time online on the ADIB Mobile Banking App.
  • 4.5 Non-performing customers (in case of delinquency or as determined by ADIB at its sole discretion will stop earning points.

5. Statement

  • ADIB Rewards Account Holder may access a copy of his/her ADIB Reward statement online on the ADIB Mobile Banking App. Any discrepancy on any ADIB Reward statement must be reported to ADIB within fourteen (14) days of the statement date and such reporting is subject to these Terms and Conditions and the terms and conditions contained in the statement.

6. Redemption of ADIB Rewards

  • 6.1 Provided that ADIB Rewards Account is active and in good standing, and subject to Condition 6.14 below, ADIB Rewards may be redeemed to purchase any Shari'a compliant products and pay for services that include the following (i) payment of specified ADIB fees and/or charges, as the same may be determined by ADIB, (ii) in exchange for redemption vouchers, (iii) purchase vouchers for specific merchandise (iv) pay for hotels room reservation, flights booking or (v) utility payments and any other Shari'a compliant products or services that may be available on ADIB application(s).
  • 6.2 Only ADIB Rewards that are transferred to and registered on ADIB Rewards Account, at the time of redemption, are eligible for redemption. ADIB Records shall be conclusive evidence in respect of the number of ADIB Rewards registered and credited in ADIB Rewards Account and available for redemption.
  • 6.3 The redemption of ADIB Rewards may be done either by calling ADIB Call Center +971 600 543216 or through ADIB Mobile Banking App. Any instructions to redeem ADIB Rewards by ADIB Rewards Account Holder will be governed by these Terms and Conditions and any applicable terms and conditions of the relevant redemption product or services. ADIB may, at its sole discretion, act upon the redemption instructions received from ADIB Rewards Account Holder through such modes of redemption.
  • 6.4 In the case of joint or multiple ADIB Rewards Account, only the primary (first) signatory is eligible to redeem ADIB Rewards.
  • 6.5 In cases where ADIB Rewards are deducted from ADIB Rewards Account due to a reversal of the relevant transaction which earned the relevant ADIB Rewards, such deduction may reduce or completely deplete the accumulated ADIB Rewards resulting in a negative or zero ADIB Rewards Account balance. Where a redemption instruction would result in reducing the available ADIB Rewards balance below the amount required for such reward redemption, ADIB may, at its sole discretion, suspend the use of the ADIB Reward. Any newly accrued ADIB Rewards will not be available for utilization by ADIB Reward Account Holder but used to offset the negative ADIB Rewards Account balance until such balance has returned to zero.
  • 6.6 Once redeemed, ADIB Rewards are not exchangeable, returnable, refundable, or redeemable for cash or credit.
  • 6.7 Only in the case of failed transactions, may ADIB consider the reversal of ADIB Rewards.
  • 6.8 ADIB Reward Account Holder accepts for ADIB to share their personal information with third party couriers, suppliers or merchants. Such information may include non-financial personal information that is required to effectively perform the duties and responsibilities under ADIB Rewards Program.
  • 6.9 The reward product(s) and offers displayed on ADIB Rewards Program Mobile Banking App are for illustration and promotion purposes only. ADIB shall not be liable for the availability, suitability, pricing, or conditions of these offers or reward products offered through third party merchant(s). Third-party merchant terms and conditions may apply.
  • 6.10 Once issued, redemption vouchers are not exchangeable, returnable, refundable, or redeemable for cash or credit, nor will they be replaced in the event of loss, damage or destruction. Once submitted, an order for a redemption voucher cannot be canceled, revoked, transferred, or changed in any manner.
  • 6.11 Redemption vouchers are sent to ADIB Rewards Account Holder's ADIB Mobile Banking App.
  • 6.12 ADIB is not, and shall not be considered, at any time, as the supplier of an ADIB Reward, or an agent or representative thereof, and ADIB shall not be held liable for failure on the part of a supplier to provide any ADIB Reward in accordance with its terms and conditions.
  • 6.13 In the event that any product or service following redemption of ADIB Reward is received in a damaged or defective condition, ADIB Rewards Account Holder must notify ADIB within 14 days. ADIB shall use reasonable efforts to convey ADIB Rewards Account Holder's complaint to the supplier and arrange, whenever possible, for an appropriate replacement thereof. Notwithstanding the foregoing, ADIB shall not be held responsible in any manner whatsoever for damaged or defective product or service.
  • 6.14 ADIB Rewards cannot be redeemed for any non-Shari'a compliant products or services as determined by the Internal Shari'a Supervisory Committee of ADIB including but not limited to alcohol, pork products, gambling, tobacco, casinos, bars, nightclubs, merchants selling and/or providing pornography related products and/or services.

7. Forfeiture of ADIB Rewards

  • All ADIB Rewards of any ADIB Rewards Account shall be forfeited, no additional ADIB Rewards shall accrue in any ADIB Rewards Account and any unprocessed redemption requests shall be cancelled immediately in the following circumstances: (a) banking relationship with ADIB has been closed (b) material breach as determined by ADIB of any of these Terms and Conditions. ADIB Rewards Account Holder will be given time to utilize ADIB Reward points before termination of the ADIB Reward Program.

8.Indemnity

  • 8.1 ADIB shall not be liable for losses, damages, expenses, claims or any other liability whatsoever, whether direct, indirect, consequential, incidental, special or punitive, sustained by a ADIB Rewards Account Holder as a result of the redemption of ADIB Rewards, possession and/or use of an ADIB Reward, or in any other way arising from membership in, or in connection with, ADIB Rewards, nor shall ADIB be responsible or held liable for any amounts payable by ADIB Rewards Account Holder to any third party arising out of the purchase, supply, quality, installation, use or otherwise, of any ADIB Reward, any supplier, issuer, merchant and/or other person associated in any way, directly or indirectly, with ADIB Rewards Program unless such actual loss or damage is caused by negligence, or misconduct on the part of ADIB.
  • 8.2 ADIB makes no representation and provides no warranty whatsoever, expressed or implied, and undertakes and assumes no liability whatsoever, in respect of the quality or merchantability of any ADIB Reward or the suitability or fitness thereof for any use or purpose. All ADIB Rewards shall be accepted by ADIB Rewards Account Holder at his/her own risk.
  • 8.3 ADIB is not responsible for disputes involving ADIB Rewards or between joint signers of the ADIB Reward Account. Any personal liability arising out of the receipt or use of ADIB Rewards is solely the responsibility of ADIB Reward Account Holder or the joint signers of the ADIB Reward Account, as the case may be.

9. Breach of Terms and Conditions

  • 9.1 In the event of a breach by ADIB Rewards Account Holder of these Terms and Conditions or of any applicable provisions in any policy incorporated by reference herein, ADIB reserves the right, at its sole discretion, to: (i) Suspend ADIB Rewards Account for a period determined at the sole discretion of ADIB or, (ii) Immediately terminate ADIB Rewards Account Holder's participation in ADIB Rewards Program and close his/her ADIB Rewards Account.

10. Governing Law and Jurisdiction

  • These Terms and Conditions shall be governed by the Federal laws of the United Arab Emirates as applied by Abu Dhabi courts to the to the extent that such laws do not conflict with the Shari'a rules and principles as set out in the Shari'a Standards of Accounting and Auditing Organization for Islamic Financial Institutions as determined by the Internal Shari'a Supervisory Committee of ADIB. Abu Dhabi courts shall have the jurisdiction to resolve any matters or disputes arising out of or related to these Terms and Conditions. Notwithstanding the foregoing, ADIB shall have the right to take proceedings against ADIB Reward Account Holder in whatsoever jurisdiction it deems fit, taking proceedings in any one or more jurisdictions by ADIB shall not preclude the taking of proceedings in any other jurisdiction, whether concurrently or not.

Schedule A:

ADIB Rewards Eligible Products and Services include the following:

  • - Specific ADIB Covered Cards designated by ADIB to be included in ADIB Rewards Program, as updated by ADIB from time to time
  • - Personal Finance
  • - International Remittance
  • - Takaful
  • - Home Finance
  • - Salary transfer
  • - ADIB Yusr Salary Advance Finance

Any other ADIB Rewards Eligible Products and Services may be added from time to time by ADIB at its sole

ADIB Rewards Earning structure is available on www.ADIB.com [Final landing page to be added here] by ADIB to its customers, as the same may be amended from time to time at ADIB's sole discretion by giving prior written notice, shall be incorporated herein by reference. ADIB Rewards Earning Table shall set forth specific terms relating to each ADIB Rewards Account, and such terms shall be incorporated in full by reference in these Terms and Conditions.

Schedule B (exclusions and further details):

  • Upon the eligibility of the Customer to benefit from ADIB Rewards Program, the Customer shall earn rewards based on the banking solutions subscribed to by the Customer or the transactions made by the Customer using such Products as Covered Cards.

Covered Cards

  • 1- ADIB Rewards shall not be earned on any expenditure classified by the Bank as non-Qualifying Expenditure. The following Transactions are classified as non-Qualifying Expenditure and will not be eligible for the award of ADIB Rewards unless otherwise specified by ADIB:
    • a) Cash withdrawals at ATMs, exchange houses or similar institution.
    • b) The purchase of travelers' cheques or similar instrument.
    • c) Finance and other fees or charges.
    • d) Card payments.
    • e) Any balance transferred to the Card Account.
    • f) Any Transaction at merchants classified as "Security Brokers/Dealers" under Visa Merchant Category Code 6211 or MasterCard similar Category Code);
    • g) Any Transaction above the Card Limit.
    • h) Any Cash Transaction.
    • i) Any transactions that ADIB determines, in its sole discretion, are disputed, erroneous, unauthorized, illegal and/or fraudulent; and
    • j) any other transactions that ADIB may include on this list from time to time.
  • 2- In case of a reversal of any Eligible Transaction, ADIB Rewards credited to ADIB Rewards Account as a result of such Eligible transaction will be deducted from the accrued ADIB Rewards balance.
  • 3- In case of overdue monthly payment(s), customers account will be considered delinquent and blocked and will be stopped to earn ADIB Reward points.
  • 4- In the event of cancellation of ADIB Rewards Covered Cards, the available ADIB Rewards earned from such Covered cards will be forfeited. This will not be applicable to customers who upgrade or switch to a different type of ADIB Rewards qualifying covered card.
  • 5- Transactions exceeding the assigned credit limit of the card shall not be entitled to earn ADIB Rewards during that month.
  • 6- Grocery / Supermarket, Fuel, Auto, Education, Utilities transactions are categorized based on Merchant Category Codes (MCCs) which are defined by VISA. ADIB reserves the right to select/amend the list of MCCs under each category at its sole discretion. The decision of ADIB in this regard shall be final and binding on customers.
  • 7- International spends mean purchases made in any foreign (non-AED) currency.

Personal Finance

  • ADIB Rewards will be credited to ADIB Rewards Account upon expiration of at least thirty (30) days from successful conclusion of Personal Finance and only if such account remains active during such period. Only Personal Finance booked through Mobile App are eligible for ADIB Rewards.

Transfers, Payments, and/or Remittances

The terms Transfers, Payments, and/or Remittances is collectively referred to as "Remittances" an/or, "Remittance". ADIB Rewards shall not be earned on any remittance that is classified by the Bank as non-qualifying Remittances. The following are classified as non-Qualifying Remittances and will not be eligible for ADIB Rewards unless otherwise specified by ADIB:

  • a) Outward Remittances, in AED-to-AED currency, for beneficiary(ies) with account(s), wallet(s), and/or card(s) within the UAE or outside the UAE.
  • b) Outward Remittances, in same currency (where the 'From Account' and the 'To Account' currencies are the same), for beneficiary(ies) with account(s), wallet(s), and/or card(s) within the UAE or outside the UAE.
  • c) Outward Remittance(s) initiated and/or submitted which are already part of a discount or waiver related to any account/segment benefit or proposition, and/or is having a benefit of a promotion and/or a discount promo code.
  • d) Outward Remittances(s) initiated and/or submitted with a special fee and/or special FX rate.
  • e) Outward Remittances(s) submitted successfully initially, however, conclusively reversed, rejected, refunded, recalled, cancelled, and/or stopped.
  • f) Inward Remittance received in the ADIB (UAE) account from any Internal, Local, or international source(s), in any currency.

Takaful

  • ADIB Rewards relating to the Takaful product will be credited to ADIB Rewards Account only after the Takaful product is approved by the takaful provider and the customer has paid the eligibility contribution for the related product pursuant to the terms and conditions thereof. Only qualifying Motor, Small Business Finance & Personal Finance Takaful contributions are eligible for ADIB Rewards as determined at the sole discretion of ADIB.

Home Finance

  • ADIB Rewards will be credited to ADIB Rewards Account upon expiration of at least thirty (30) days from successful conclusion of Home Finance and only if such account remains active during such period.

Salary transfer

  • If an ADIB Rewards Account Holder transfers more than one salary in a month, rewards will be accrued based on one of them.
  • In case an ADIB Rewards Account Holder transfers two or more salaries in any month, the highest salary will be considered for ADIB Rewards.
  • The type of account (Investment or current) to which the salary will be transferred shall be selected by the ADIB Rewards Account Holder at his/her full discretion.
  • Only salaries credited through the official channels of the UAE Fund Transfer System / Wage Protection System will be considered by the Bank as eligible monthly salary and any salary credited in cash or cheque will not be considered.

ADIB Yusr Salary Advance Finance

  • ADIB Rewards will be credited to ADIB Rewards Account upon expiration of at least thirty (30) days from successful conclusion of Al Yusr and only if such account remains active during such period.
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