ADIB | ADIB Service Catalogue - Covered Cards Services

New Covered cards Application

Required Documents	Contract, Security Cheque, EID/Passport, Exceptional approvals
Required forms to be filled	Covered Card Application
Customer Journey	Customer's Journey: Visit the branch, submit documents, sign the docs, go to CRO to pay fees/ charges(if applicable)
Eligibility (who is eligible for this service)	All ADIB Retail Customers and Staff* *-Subject to Bank's approved SOPs and policies
Terms and Conditions	All T&Cs are mentioned in the manual/digital forms pertaining to the specific request.Customer is requested to sign the docs with T&Cs
Service time	10
Processing Time	Before 1 PM-Same Day After 1 PM- Next business day
Fees/ Charges/ Tarrifs	Annual fee based on product type
Channels	Branches,DSU,PRB,CUBG,Priority Banking

Covered Card Limit Enhancement

Required Documents	EID,deposit receipt for non murabaha/Murabaha contract,credit approval,TD form or security cheque,KYC for business
Required forms to be filled	Maintenance form for Non Murabaha/ Business Maintenance form
Customer Journey	Customer's Journey: Visit the branch, submit documents to CRO and sign the docs for request processing
Eligibility (who is eligible for this service)	All ADIB Retail and Business customers
Terms and Conditions	All T&Cs are mentioned in the manual/digital forms pertaining to the specific request.Customer is requested to sign the docs with T&Cs
Service time	10
Processing Time	Before 1 PM-Same Day After 1 PM- Next business day
Fees/ Charges/ Tarrifs	NA
Channels	Branches,BBD,WBG,Community Banking

Covered Card-Limit Reduction

Required Documents	EID
Required forms to be filled	Limit change request form
Customer Journey	Customer's Journey: Visit the branch, submit documents to CRO and sign the docs for request processing
Eligibility (who is eligible for this service)	All ADIB covered card Customers
Terms and Conditions	All T&Cs are mentioned in the manual/digital forms pertaining to the specific request.Customer is requested to sign the docs with T&Cs
Service Time	9
Processing Time	Before 1 PM-Same Day After 1 PM- Next business day
Fees/ Charges/ Tarrifs	NA
Channels	Branches,BBD,RCC

Issuance of Supplementary card

Required Documents	KYC for both supplementary and primary card holders
Required forms to be filled	Supplementary card application form generated in BPM
Customer Journey	Customer's Journey: Visit the branch, submit documents, sign the docs/app, go to CRO process the request
Eligibility (who is eligible for this service)	All ADIB Retail and Business covered card customers* *-Subject to Bank's approved SOPs and policies
Terms and Conditions	All T&Cs are mentioned in the manual/digital forms pertaining to the specific request.Customer is requested to sign the docs with T&Cs
Service time	6
Processing Time	Before 1 PM-Same Day After 1 PM- Next business day
Fees/ Charges/ Tarrifs	Free upto 4th supplementary,annual fee to be charged from 5th supp card based on primary's annual charges
Channels	Branches,BBD,WBG,RCC

Covered card replacement

Required Documents	EID/Passport
Required forms to be filled	Maintenance form
Customer Journey	Customer's Journey: Visit the branch, submit documents to CRO and sign the docs for request processing and pay Fees/charges(if applicable) Process: Initiator(M&C)-->BOT ( M&C)-->Card ops(M&C)
Eligibility (who is eligible for this service)	All ADIB covered card Customers
Terms and Conditions	All T&Cs are mentioned in the manual/digital forms pertaining to the specific request.Customer is requested to sign the docs with T&Cs
Service time	5
Processing Time	Before 1PM: Same day After 1PM: Next business day
Fees/ Charges/ Tarrifs	CC-75AED+VAT ISIC/Darhoom-25AED+VAT
Channels	Branches,RCC,FRMU,TSU,Collections,HR

Covered Card Installment postponment

Required Documents	CRM Approval,Collections Approval,KYC
Required forms to be filled	Excel postponement form
Customer Journey	Customer's Journey: Visit the branch, submit documents, sign the docs, go to CRO to submit the request
Eligibility (who is eligible for this service)	All ADIB Retail Customers
Terms and Conditions	All T&Cs are mentioned in the manual/digital forms pertaining to the specific request.Customer is requested to sign the docs with T&Cs
Service time	5
Processing Time	Before 1 PM-Same Day After 1 PM- Next business day
Fees/ Charges/ Tarrifs	NA
Channels	Branches,Rehab/Retention Unit for RFO ,Collections and Retail CRM for Card Center

Covered Card Dispute

Required Documents	Supporting documents
Required forms to be filled	Card holder dispute form
Customer Journey	Customer's Journey: Visit the branch, submit documents to CRO and sign the docs for request processing
Eligibility (who is eligible for this service)	All ADIB CC and DC holders
Terms and Conditions	All T&Cs are mentioned in the manual/digital forms pertaining to the specific request.Customer is requested to sign the docs with T&Cs
Service Time	8
Processing Time	Minimum 5 Business days
Fees/ Charges/ Tarrifs	NA
Channels	Branches,RCC

Covered Cards Cancellation

Required Documents	KYC - EID/Passport Incase of buy out - Letter of guarantee , Liability letter,other bank cheque copy
Required forms to be filled	Card Cancellation form generated in BPM
Customer Journey	Customer's Journey: Visit the branch, submit documents to CRO and sign the docs for request processing and pay Fees/charges(if applicable)
Eligibility (who is eligible for this service)	All ADIB Customers
Terms and Conditions	All T&Cs are mentioned in the manual/digital forms pertaining to the specific request.Customer is requested to sign the docs with T&Cs
Service time	7
Processing Time	Before 2 PM-Same Day After 2 PM- Next business day
Fees/ Charges/ Tarrifs	NA
Channels	Branches,RCC,FRMU,TSU,Collections,HR,BBD,WBG,Community Banking