Marriott Bonvoy ADIB Cards Expand UAE Travel Rewards

Marriott Bonvoy ADIB Cards are giving UAE travellers a new way to earn hotel rewards from everyday spending, combining Abu Dhabi Islamic Bank’s Sharia-compliant banking proposition with Marriott Bonvoy’s global hospitality programme and Visa’s payment network.

ADIB, Marriott Bonvoy and Visa launched two co-branded cards in the UAE on August 27, 2026: the Marriott Bonvoy ADIB Visa Infinite Card and the Marriott Bonvoy ADIB Visa Signature Card. Both allow eligible cardholders to earn Marriott Bonvoy points on qualifying purchases and redeem them across participating Marriott properties, travel partners and Marriott Bonvoy experiences.

The two cards are aimed at different types of travellers. The Signature version has a significantly lower annual fee and provides a more accessible entry into the Marriott Bonvoy ecosystem, while the Infinite version offers substantially higher Marriott earning rates, a larger limited-time welcome bonus, Elite Night Credits and an anniversary Free Night Award.

For travellers who regularly stay at Marriott properties, the value can extend beyond simply earning points. Elite status, annual rewards and additional hotel benefits may improve the overall travel experience, although customers still need to compare those benefits against the annual fee and the amount they realistically expect to spend.

What Are the New Marriott Bonvoy ADIB Cards?

The Marriott Bonvoy ADIB partnership introduces two Visa covered cards specifically designed around hotel and travel rewards.

Cardholders earn Marriott Bonvoy points through qualifying card spending. Those points can then be used across Marriott Bonvoy’s hotel network or transferred into airline miles with more than 40 participating airline programmes. ADIB says the programme covers more than 9,100 participating hotels across more than 30 Marriott brands.

The broader Marriott Bonvoy ecosystem includes brands ranging from mainstream hotels to luxury properties, giving cardholders opportunities to use points for different types of travel.

The cards also provide Marriott Bonvoy Elite status automatically, with pathways to higher tiers when certain annual spending requirements are met.

Here is the basic comparison:

The difference between the two cards is therefore not simply the annual fee. The Infinite version is designed more heavily around frequent Marriott stays and higher card spending, while Signature is positioned as the lower-cost option.

Marriott Bonvoy ADIB Cards Offer Up to 200,000 Welcome Points

The most eye-catching launch benefit is attached to the Marriott Bonvoy ADIB Visa Infinite Card.

ADIB currently advertises a limited-time opportunity to earn up to 200,000 Marriott Bonvoy points for customers who meet the qualifying conditions. The promotional offer runs from August 27 to November 30, 2026.

The 200,000-point Infinite welcome offer is divided into two stages.

This is important because “up to 200,000 points” does not mean every applicant automatically receives the full amount.

The first 100,000 points require the qualifying first retail transaction, while the additional 100,000 requires US$15,000 of eligible retail spending within 90 days of card issuance.

The Signature card offers a much smaller but more accessible welcome proposition, with ADIB advertising up to 50,000 Marriott Bonvoy welcome bonus points.

Travellers should avoid valuing either card purely on its first-year welcome bonus. Sign-up rewards can make the first year attractive, but the more important question is whether the ongoing earning rates and annual benefits justify keeping the card after the introductory period.

How Many Marriott Bonvoy Points Can Cardholders Earn?

The two cards have very different earning structures.

The Visa Infinite version offers the highest rate when spending directly at participating Marriott Bonvoy hotels, while also providing enhanced earning for international and domestic purchases.

ADIB currently publishes the following rates for the Infinite card:

• 8 points per US$1 at participating Marriott Bonvoy hotels
• Up to 4 points per US$1 on international spending
• Up to 3 points per US$1 on domestic spending

The Signature card offers:

• 3 points per US$1 at participating Marriott Bonvoy hotels
• Up to 2 points per US$1 on international spending
• Up to 1.5 points per US$1 on domestic spending

This difference matters most for people who spend regularly at Marriott properties.

A traveller who stays with Marriott only once or twice a year may not extract enough additional value from the Infinite card to justify its AED 2,500 annual fee. Someone who travels frequently, pays for Marriott stays using the card and can take advantage of the annual benefits may see the calculation differently.

Example

If a traveller spends US$2,000 directly at participating Marriott Bonvoy hotels, the headline card earning would be:

This represents card-earned points and does not attempt to calculate every Marriott Bonvoy point that might also be earned from the hotel stay itself, promotions or Elite-status bonuses.

The actual value of points will also vary depending on how they are redeemed.

Elite Status Is a Major Part of the Marriott Bonvoy ADIB Cards

Hotel status may be more valuable than points for some frequent travellers.

The Marriott Bonvoy ADIB Visa Signature Card provides Silver Elite status, while the Infinite card provides Gold Elite status.

ADIB lists benefits including bonus points on eligible hotel stays, late checkout and other Marriott Elite privileges, subject to Marriott Bonvoy rules and availability.

For Signature cardholders, Silver Elite status includes a 10% points bonus on eligible hotel stays and priority late checkout. The card also provides a pathway to Gold Elite status when annual card spending reaches US$15,000.

Infinite cardholders begin with Gold Elite status. ADIB says this includes 25% more points on eligible hotel stays, enhanced room upgrades and 2pm late checkout, subject to availability and applicable terms.

Infinite customers can move toward Platinum Elite status by spending US$25,000 annually on the card.

At Platinum Elite, ADIB highlights benefits including a 55% bonus on hotel stays, enhanced room upgrades, 4pm late checkout and a choice of welcome gift, subject to the Marriott Bonvoy programme rules.

This can be particularly useful for travellers who are already loyal to Marriott but do not stay enough nights naturally to reach a higher tier quickly.

However, customers should still consider whether the status benefits match the hotels they normally use. A room-upgrade benefit is less useful to someone who rarely stays at Marriott properties, while a frequent business traveller may value late checkout and Elite recognition much more.

Elite Night Credits and Anniversary Rewards Add Long-Term Value

The cards also provide Elite Night Credits, which can help cardholders progress through Marriott Bonvoy membership levels.

The Signature Card provides 10 Elite Night Credits per calendar year, while the Infinite Card provides 15 Elite Night Credits per calendar year.

These credits can reduce the number of qualifying hotel nights a member needs to earn naturally when working toward higher Marriott Bonvoy status.

The cards also offer different anniversary benefits.

Signature cardholders can receive 35,000 Marriott Bonvoy points on the card anniversary, while Infinite cardholders can receive a Free Night Award valued at up to 85,000 Marriott Bonvoy points.

This is one of the most important differences when evaluating the cards beyond the first year.

A traveller considering the Infinite card should estimate whether they can realistically use the 85,000-point Free Night Award at a property and date that provides meaningful value.

Hotel redemption requirements fluctuate, so an 85,000-point certificate does not represent a fixed cash amount.

The same principle applies to the Signature card’s 35,000 anniversary points. Their value depends on where and when they are eventually redeemed.

Infinite Cardholders Get an Extra Luxury Hotel Credit

The Marriott Bonvoy ADIB Visa Infinite Card includes another benefit aimed specifically at luxury-hotel travellers.

Cardholders can receive a US$100 property credit toward qualifying in-hotel purchases during an eligible paid stay of at least two nights at participating The Ritz-Carlton and St. Regis hotels.

The booking must satisfy the applicable terms, including use of the qualifying special rate and payment with the card.

The credit may be useful toward eligible hotel spending, but travellers should not assume every booking automatically qualifies.

Before reserving a Ritz-Carlton or St. Regis stay specifically to use the benefit, check:

• Whether the property participates
• Which rate must be booked
• Minimum stay requirement
• What purchases qualify for the credit
• Whether the required rate is competitive with other available rates

A travel perk only creates value when the booking makes sense even after considering the conditions attached to it.

For frequent luxury travellers, however, this benefit can contribute meaningfully toward offsetting the Infinite card’s higher annual fee.

Marriott Points Can Also Be Converted Into Airline Miles

One important feature of Marriott Bonvoy is that points are not restricted entirely to hotel stays.

ADIB says Marriott Bonvoy points earned through the cards can be transferred to more than 40 airline partners.

This gives customers more flexibility than a rewards programme tied only to one hotel group.

Possible uses of Marriott Bonvoy points can include:

• Hotel stays
• Room upgrades
• Marriott experiences
• Selected dining experiences
• Airline-mile transfers

Marriott Bonvoy Moments also gives members access to experiences using points, adding another possible redemption route.

However, transferring hotel points into airline miles should not be automatic.

The value received from a transfer depends on the conversion ratio, airline programme and redemption opportunity. In some cases, using Marriott Bonvoy points directly for hotel stays may provide better value; in others, converting points for a high-value flight redemption could make sense.

Travellers should compare the expected value before moving points, particularly because loyalty-point transfers are generally not something customers should expect to reverse easily.

Signature vs Infinite: Which Marriott Bonvoy ADIB Card Makes More Sense?

The main decision for applicants is likely to be whether the Signature or Infinite version provides the better balance between cost and benefits.

The annual-fee difference is substantial.

ADIB lists an annual fee of AED 499 for the Signature Card and AED 2,500 for the Infinite Card. Both currently carry a published monthly profit rate of 3.75%, according to the individual card pages.

A simplified comparison looks like this:

Signature may suit:

Travellers who want to enter the Marriott Bonvoy card ecosystem with a lower annual fee, earn points from everyday purchases and receive basic Marriott Elite benefits.

It may also suit someone who likes Marriott but does not travel enough to justify paying AED 2,500 annually.

Infinite may suit:

Frequent Marriott guests who can make meaningful use of Gold or Platinum Elite benefits, higher Marriott earning rates, Elite Night Credits and the 85,000-point anniversary Free Night Award.

The Infinite welcome bonus may also be attractive during the current launch promotion, particularly for someone who was already planning enough qualifying spending to meet the requirements.

Applicants should not increase unnecessary spending simply to unlock a welcome bonus. Any rewards card works best when the qualifying purchases would have been made anyway.

What Applicants Should Check Before Applying

Travel rewards can look highly attractive when presented as headline point totals, but customers should review the underlying costs and conditions carefully.

ADIB currently lists the standard annual fee as AED 499 for Signature and AED 2,500 for Infinite. It also lists a 3.75% monthly profit rate on both card pages, so carrying an unpaid balance can rapidly reduce or eliminate the value created by rewards.

Before applying, customers should check:

• Annual fee
• Welcome-bonus spending requirement
• Eligible spending categories
• Excluded transactions
• Foreign-currency charges
• Monthly profit rate
• Late-payment charges
• Elite-status conditions
• Anniversary benefit rules
• Marriott Bonvoy redemption terms

ADIB currently lists the standard documentation for both cards as including a valid passport, Emirates ID, the previous three months of bank statements and a salary certificate from the current employer that is no more than 30 days old. Approval remains subject to the bank’s eligibility and credit requirements.

Applicants should also read the latest Key Facts Statement and schedule of charges rather than relying only on promotional marketing.

That becomes particularly important with premium cards where one or two misunderstood conditions can materially change the value proposition.

Marriott Bonvoy ADIB Cards Expand UAE Travel Rewards

The launch of the Marriott Bonvoy ADIB Cards gives UAE residents another major travel-rewards option at a time when banks are increasingly competing for customers through airline miles, hotel points and premium lifestyle benefits.

The partnership combines three recognisable brands: ADIB for Sharia-compliant banking, Marriott Bonvoy for hotels and travel rewards, and Visa for payment services. ADIB says points can be earned on qualifying everyday purchases and redeemed for hotel stays, upgrades, experiences and transfers to more than 40 airline programmes.

For occasional Marriott travellers, the Signature Card is likely to be the easier product to evaluate because its AED 499 annual fee is substantially lower. It offers Silver Elite status, 10 Elite Night Credits, up to 50,000 welcome points and 35,000 points on the card anniversary.

The Infinite Card is a much more premium proposition. Its AED 2,500 annual fee is accompanied by Gold Elite status, 15 Elite Night Credits, higher earning rates, a pathway to Platinum Elite, a qualifying US$100 Ritz-Carlton or St. Regis property credit and an anniversary Free Night Award worth up to 85,000 Marriott Bonvoy points.

Its current headline attraction is the limited-time 200,000-point welcome offer, available subject to the spending conditions for cards issued during the promotion ending November 30, 2026.

The strongest value will therefore go to customers who already travel frequently, use Marriott properties and can meet qualifying spending requirements without changing their normal financial habits.

For everyone else, the important question is not how many points the card advertises.

It is how many of those benefits they will actually use after paying the annual fee.

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