+971

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 199

  • Cinema Tickets
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Up to 2 Etihad Guest Miles per USD spent
  • Unlimited 10% miles back on flight redemptions & upgrades
  • Discounts on dining, travel, hotels and shopping
  • Get up to 5,000 Etihad Guest bonus Miles

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 199

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min AED103

Key Features

  • Unlimited 10% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • 0% Easy Payment Plan on Etihad purchases
  • Convert your purchases made at etihad.com into convenient monthly installments, of 3 or 6 months. Processing fee of 2% will be applied.
  • Complimentary Inflight wifi vouchers
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.
  • Extended Warranty Luxury Hotel Collection
  • Global Assistance
  • Purchase Protection time you make a purchase.
  • Balance Transfer Facility
  • Cash Advance

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

2 Etihad Guest Miles for spend at Etihad Airlines
1.5 Etihad Guest Miles for spend on international spends
2 Etihad Guest Miles for spend on two categories of your choice
2 Etihad Guest Miles for spend on domestic spend

With Emirates Islamic Etihad Guest Platinum card, you will earn 2 Etihad Guest Miles for every USD 1 spent on Mobile Wallets & Online Transactions.

MINIMUM SALARY

AED 8,000

RATE

3.50%

ANNUAL FEE

AED 500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • 10,000 welcome Etihad Bonus Guest Miles
  • 25% Etihad Guest Miles discount voucher
  • Miles Accelator and Double Miles on recurring trans.
  • Airport Transfers Facility
  • Free Cinema Tickets

MINIMUM SALARY

AED 8,000

RATE

3.50%

ANNUAL FEE

AED 500

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Primary Card- Earn 10,000 Etihad Guest welcome bonus Miles.

Supplementary Card- Earn 5000 Etihad Guest welcome bonus Miles.

Double Etihad Guest Miles when you use your card to buy Etihad Airways or Etihad Partner Airlines flight tickets.

Key Features

  • Receive 10,000 Etihad Guest Miles as welcome bonus for primary Card
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Miles Accelator Program
  • Earn bonus Etihad Guest Miles of 20000 on a spend of AED 40000 in the first six months
  • 25% Etihad Guest Miles discount voucher
  • Optional Miles Accelerator program
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • 40% discount at over 100 golfcourses worldwide
  • Visa VOX Cinemas offer - 50% off on Sundays
  • Global purchase protection
  • Extended warranty
  • International medical and travel assistance
  • Home content insurance

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 2.0 Miles earned per AED 10
  • International transactions (non-AED): 3.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 4.0 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 5.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

Things To Be Aware Of

  • Some benefits require min spend
  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Contactless Tech
  • Welcome offer of up to 60,000 Etihad Guest Miles
  • High Etihad Miles earning rate on hotels, dining & Etihad
  • Complimentary cinema tickets, golf access, valet parking
  • Complimentary airport lounge access

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers


Apply for the Etihad Guest Visa Inspire Credit Card and receive exclusive offers

  • Welcome offer: Up to 60,000 Etihad Guest Miles
    • Earn 20,000 Miles upon payment of joining fee
    • Earn 40,000 Miles upon spending minimum AED 10,000 monthly for 6 months from card issuance date
  • Limited time offer - 10% cashback on spends with Etihad Airways

Key Features

  • Welcome offer of up to 60,000 Etihad guest Miles
  • Earn Etihad Guest Miles on all spends, additional miles earn rate for spends at Etihad Airways, hotels and dining
  • Complimentary Etihad Guest Silver Tier membership
  • Complimentary airport lounge access at 1000+ lounges in 300+ cities for primary and supplementary card holder
  • Complimentary buy 1 get 1 Vox cinema offers
  • Complimentary golf rounds twice a month at over 5 golf courses in the UAE without any minimum spend requirement
  • Complimentary valet parking offers 4 times a month at key locations in Abu Dhabi & Al Ain
  • Travel benefits including airport dining discounts, Avis car rental offers, medical and travel insurance
  • Global concierge services
  • Buy 1 Get 1 Free with The Entertainer
  • Bicester Village Shopping Collection benefits
  • Auto Salik top-up

Reward Features

Earn Etihad Guest Miles

  • Earn Etihad Guest Miles on spends
    • 7 Miles per AED 10 spend on Etihad Airways, hotels and dining
    • 4 Miles on all other spends1
  • Earn 2.5 Etihad Tier Miles for every AED 10 spend on all spends3

Etihad Guest Miles earned on retail spends made on merchants located in European Union or under categories, grocery and supermarkets, quick service restaurant (i.e. fast food restaurant), insurance, car dealership, petroleum, transit, government services, utility payments, real estate, education & telecommunication payment will be capped at 750 Miles per statement cycle.

Things To Be Aware Of

  • Etihad Guest miles on specific categories are capped
  • Vox cinema tickets offer has minimum spend requirements

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 899

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn up to 125,000 bonus miles
  • Fast-Track Etihad Guest Silver Tier Status
  • Choice of two category spends to earn more miles
  • 20% miles back on flight redemptions & upgrades
  • Up to 3 Etihad Guest Miles per USD spent

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 899

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Earn up to 125,000 miles.
30,000 Bonus miles upon payment of Annual Membership Fee of AED 899 & Joining Fee of AED 300.     
65,000 miles on a cumulative Retail Spend or AED 50,000(Within the first 6 months)
30,000 miles on a cumulative Fx Spends of AED 10,000 (Within the first 6 months)

Key Features

  • Fast-Track to Etihad Guest Silver Tier Status
  • Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • Enjoy 2 complimentary wifi vouchers every membership year.
  • Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • Enjoy unlimited complimentary access to over 1000 airport lounges.
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week. Maximum cashback is AED 75 per month
  • Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays. A retail spend of AED 5000 is required
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. A retail spend of AED 3,000 is required on your card to avail the benefit.
  • Multi trip travel Insurance
  • Purchase protection provides you with additional peace of mind every time you make a purchase
  • Extended Warranty up to one year from the expiry date of the original warranty.
  • No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
  • Global Concierge: take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day

Reward Features

3 Etihad Guest miles at Etihad Airline spend
2 Etihad Guest miles at international spend
2.5 Etihad Guest miles at two chosen categories
Upto 1.5  Etihad Guest miles at domestic spend

Emirates Islamic Etihad Guest Saqer card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.

Things To Be Aware Of

  • This card joining offer is only for UAE Nationals

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 1500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 35,000 welcome Etihad Guest Miles
  • 50% Etihad Guest Miles discount voucher
  • Access to 1000+ airport lounges across the world
  • Fast track enrolment to Etihad Guest Silver Membership
  • Earn up to 6.5 Etihad Guest Miles for every AED 10 spent

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a warm welcome with a 35,000 Etihad Guest Miles bonus.

Key Features

  • Receive 35,000 Etihad Guest Miles as welcome bonus for primary Card
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Earn Etihad Guest Miles on all your purchases
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 50% Miles Discount Voucher every year on reaching an annual spend of AED 150,000
  • Optional Miles Accelerator program
  • 10% discount on Etihad Airways holiday package
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Fast track enrolment to Etihad Guest Silver membership
  • Complimentary inflight wi-fi vouchers
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Access to 1000+ airport lounges across the world, 8 times per annum
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Visa golf access - exclusive discounts on highly prestigious golf courses
  • Exclusive 24/7 Concierge Service
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • Shop Smart
  • International medical and travel assistance
  • Home content insurance
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 2.75 Miles earned per AED 10
  • International transactions (non-AED): 4.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 5.5 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPENDS

All purchase transactions (domestic or international): 2.5 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 6.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

Things To Be Aware Of

  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 733

  • Golf offers
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn up to 125,000 bonus miles
  • Unlimited 20% miles back on flight redemptions & upgrades
  • Up to 3 Etihad Guest Miles per USD spent
  • Complimentary Airport Transfers & lounge access
  • Fast-Track update to Etihad Guest Silver Tier Status

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 733

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min AED103

Joining Offers

Earn up to 125,000 miles.
30,000 Bonus miles upon payment of Annual Membership Fee of AED 699 & Joining Fee of AED 300.   
65,000 miles on a cumulative Retail Spend or AED 50,000(Within the first 6 months)
30,000 miles on a cumulative Fx Spends of AED 10,000 (Within the first 6 months)

Key Features

  • Fast-Track to Etihad Guest Silver Tier Status. Enjoy 2 complimentary wifi vouchers every membership year.
  • Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • Enjoy unlimited complimentary access to over 1000 airport lounges.
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.The maximum cashback a cardholder can earn is AED 75 per month.
  • Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays.
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. All you have to do is present your Emirates Islamic Etihad Guest Ameera card at the valet parking desk.
  • Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift.
  • When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer's warranty up to one year from the expiry date of the original warranty.
  • No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
  • Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day, from anywhere in the world by simply calling Concierge hotlines.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3 Etihad Guest mile for spend at  Etihad Airline
2 Etihad Guest mile for spend at International Spend
2.5 Etihad Guest mile for spend at two chosen categories
Upto 1.5 Etihad Guest mile for spend at domestic spend

Emirates Islamic Etihad Guest Ameera card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.

Things To Be Aware Of

  • AMF is 733.95

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Welcome offer of up to 200,000 Etihad Guest Miles
  • Premium lifestyle benefits - valet parking, cinema offers
  • Premium travel offers - airport lounge, airport transfers
  • Complimentary airport lounge access to over 1000 lounges
  • Concierge services for your time-consuming errands

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min103.95

Joining Offers

Welcome offer of AED 400 Noon voucher.

Key Features

  • Earn up to 200,000 Etihad Guest Miles
  • Complimentary Airport Lounge Access
  • Complimentary Valet Parking offers
  • Complimentary Golf offers
  • Concierge Desk
  • Complimentary Airport transfers in Dubai and Abu Dhabi
  • New Credit Shield Pro benefits
  • Airport Dining Discount Program
  • Avis Car Rental benefits
  • Medical & Travel Assistance
  • Global Customer Assistance Services
  • Conceirge Digital Services
  • The Entertainer
  • Bicester Village Shopping Collection

Reward Features

  • Earn 10 Miles per AED 10 spend on Etihad Airways, hotel and dining
  • Earn 6 Miles on all other spends
  • Earn 40,000 Miles upon payment of joining fee
  • Earn 60,000 Miles upon spending AED 90,000 in first 6 months or earn 160,000 Miles upon spending AED 120,000 in first 6 months
  • Get 50% more miles when you sign up for the Express Miles program for a nominal fee of AED 250 per month
  • Earn 2.5 Etihad Tier Miles for every AED 10 spend on all spends
  • Get 50% Etihad Guest Miles redemption discount voucher upon spending every AED 150,000

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn up to 175000 bonus miles
  • Fast-Track update to Etihad Guest Gold Tier Status
  • 50% Etihad Guest Miles Back
  • Up to 3.5 Etihad Guest Miles per USD spent
  • Complimentary Airport Transfers & lounge access

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Earn up to 175,000 miles.
40,000 Bonus miles upon payment of Annual Membership Fee of AED 1,500 & Joining Fee of AED 500.             
85,000 miles on a cumulative Retail Spend or AED 90,000(Within the first 6 months)
50,000 miles on a cumulative Fx Spends of AED 15,000 (Within the first 6 months)

Key Features

  • Fast-Track to Etihad Guest Gold Tier Status
  • Unlimited 50% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • 4 Complimentary Inflight wifi vouchers every membership year
  • Up to 4 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • 0% Easy Payment Plan on Etihad purchases
  • Enjoy unlimited complimentary access to over 1000 airport lounges with a guest
  • 50% cashback on Cinema tickets, any day of the week. The maximum cashback a cardholder can earn is AED 100 per month.
  • Enjoy unlimited complimentary golf rounds at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays.
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE.
  • Covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit to get you travel insurance certificate
  • Enjoy a coverage of USD 7,500 per occurrence & USD 20,000 per year. For further assistance, please call one of the numbers
  • VISA International to bring you exclusive discounts and special offers. Your Etihad Guest Visa Infinite Credit Card privileges connect you to a world of even changing luxury
  • Use your Emirates Islamic Etihad Guest Visa Infinite card to pay for your purchases to get Extended Warranty.
  • Now you can really save big time with your Etihad Guest Visa Infinite Credit Card balance transfer facility.
  • Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3.5 Etihad Guest miles on spend at Etihad Airlines
3 Etihad Guest miles on International spend
2.5 Etihad Guest miles on two chosen Categories
Upto 2 Etihad Guest miles on domestic spend

Emirates Islamic Etihad Guest Premium card gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

You will earn 2.5 Etihad Guest Miles for every USD 1 spend on the chosen categories. The Etihad Guest Mile earning on the 2 chosen categories is capped at 1,500 Miles per category per month.

You also have the option to change your chosen categories every quarter by calling our call center.

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 20,000 Tier Miles can be earned in a membership year.

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2625

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Joining Bonus of 12,000 Etihad Guest Miles
  • Monthly Bonus of 1000 Etihad Guest Miles
  • 30% off at over 1,400 restaurants in the UAE
  • Benefits at Ferrari World & Yas Water World

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2,625

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • Welcome bonus of 60,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary".

Key Features

  • Get 12,000 Etihad Guest Miles on paying the 1st year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 on domestic purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Gold Tier membership
  • Earn 1 Etihad Guest Tier Mile for every USD 1 of eligible purchase
  • Complimentary upgrade voucher from Etihad Airways
  • Free round the year golf access at the Track Meydan, Arabian Ranches and Yas Links. Discounts at 14 courses in UAE and Muscat
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Complimentary Airport Chauffeur service (4 per year)
  • 24-hour personalised premium concierge service
  • Enjoy unlimited complimentary airport lounge access globally for primary, supplementary and 1 guest
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days Extended warranty on eligible purchases
  • Multi-trip Travel Insurance
  • Optional credit shield
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Up to 12% off Agoda bookings
  • Airport lounge access
  • Dining and lifestyle discounts
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 1 Etihad Guest Miles for every 1 USD on domestic purchase.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.
  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month.
  • Etihad Guest Miles multiplier. Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
  • Etihad Guest Miles multiplier is given to the Primary Cardholders only.
  • Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more.

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment (60days)
  • 1000 USD min spend monthly to get 1000 Etihad Guest Miles
  • Etihad Guest Tier Miles earned are valid for 12 months

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1050

  • Golf offers
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Earn Up to 2 Etihad Guest Miles per USD 1
  • Up to 2,000 Etihad Guest Miles as monthly bonus
  • 30% off at over 1,400 restaurants in the UAE

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • You will receive 35,000 Etihad Guest Miles as welcome bonus during the first year of membership

Key Features

  • Earn 35,000 Etihad guest miles as sign up bonus
  • Earn 1.25 Etihad guest miles per 1 USD spent on domestic purchases
  • Earn 2 Etihad guest miles per 1 USD spent on international purchases
  • Earn 2 Etihad guest miles per 1 USD spent on Etihad Airways bookings
  • Earn 0.33 Etihad guest miles per 1 USD spent on utility bill payments, supermarkets, education, government services
  • Can earn monthly bonus miles on spending USD 2000 using the card
  • Earn 1 Tier mile per 1 USD spent on any local and international purchases
  • 2 free airport chauffeur rides
  • Free access to airport lounges worldwide
  • 12% off on hotel bookings made with Agoda.com
  • 8% off on hotels.com
  • Multi-trip travel insurance cover
  • Exclusive privileges on Visa luxury hotel collection
  • Free golf clubs access
  • 2-for-1 deals on Visa MENA app
  • Up to 30% off on dining and shopping at selected stores
  • 0% Easy Payment Plan(EPP) option
  • Avail balance transfer on zero interest rates

Reward Features

  • Earn 1.25 Etihad Guest Miles for every USD 1 on domestic purchase.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking, Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 2 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 2 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment (60days)
  • 2000 USD min spend monthly to get 2000 Etihad Guest Miles

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 525

  • Golf offers
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • 12,000 Welcome bonus Etihad guest Miles
  • Earn Etihad Guest Miles on all spends
  • 30% off at over 1,400 restaurants in the UAE
  • Benefits at Ferrari World & Yas Water World

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary.

Key Features

  • Get 12,000 Etihad Guest Miles on paying the first year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 spent locally
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Silver Tier membership
  • Complimentary upgrade voucher from Etihad Airways
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary Airport Chauffeur service (2 per year)
  • Complimentary Global Concierge service
  • Access to over 200 airport restaurant offers globally
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty on eligible purchases
  • Medical and legal referral services
  • Optional credit shield
  • Up to 12% off Agoda bookings
  • Dining and lifestyle discounts
  • Utility Bill payments
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 1 Etihad Guest Mile for every USD 1 spent locally.
  • Etihad Guest miles multiplier.
  • Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month.
  • Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment(60 days)
  • 1000 USD min spend monthly to get 1000 Etihad Guest Miles

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • Bonus 5,000 Etisalat Reward points

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus 5,000 Etisalat Reward points(equivalent to more than 2.5 hours of UAE talk time).

Key Features

  • 5,000 Sign Up Etisalat Reward Points equivalent to more than 2.5 hours of UAE talk time
  • Earn 1.5 Etisalat Smile points for every Dirham spent
  • Earn 1 Etisalat Smiles point for every Dirham spent on specific merchant transactions
  • Special Etisalat MyPackage Plan for even More points

Reward Features

Earn Etisalat Smiles Rewards Points

 

  • For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 10 minutes of UAE talk time.
  • Earn 1 Etisalat Smiles point for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time.
  • For Self-funded Cards earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time.
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 299

  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 20,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus of 20,000 Etisalat Reward points(equivalent to more than 10 hours of free UAE talk time!).

Key Features

  • 20,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent
  • Earn 1 Etisalat Smiles point for every Dirham spent on specific merchant transactions
  • Special Etisalat MyPackage Plan for even More points
  • Free airport lounge access for primary cardholder
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Etisalat Smiles Rewards Points

  • For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 10 minutes of UAE talk time
  • Earn 1 Etisalat Smiles point for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time
  • For Self-funded Cards earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 299

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 999

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 70,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends
  • Free valet parking at select locations

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 999

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

70,000 welcome Etisalat Smiles Points


Key Features

  • 70,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 4 Etisalat Smiles points for every Dirham spent
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • For non-Self-funded cards earn 1 Etisalat Smiles points for every Dirham spent on specific merchant transactions
  • Redeem Reward Points for: Etisalat Data or Talk time, Etihad Guest Miles, Airline tickets
  • Special Etisalat MyPackage Plan for even More points
  • 4 Free Valet Parking at select locations in Abu Dhabi & Dubai
  • Free airport lounge access for primary cardholder
  • Withdraw 100% of your finance limit as cash

Reward Features

Earn Etisalat Smiles Rewards Points

  • For non-Self-funded Card earn 4 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 13 minutes of UAE talk time
  • For non-Self-funded Cards earn 1 Etisalat Smiles points for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

Things To Be Aware Of

  • Profit rate is 2.99% with salary transfer
  • 5th supplementary card onwards annual fee is AED 999

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 2500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 75% Etihad Guest Miles Discount Voucher
  • Fast Track Enrolment to Etihad Guest Gold Membership
  • Complimentary Inflight Wifi Vouchers
  • Optional Etihad Guest Miles Accelerator
  • 55,000 welcome Etihad Guest Miles

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 2,500

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a warm welcome with 55,000 Etihad Guest Miles bonus.


Key Features

  • Receive 55,000 Etihad Guest Miles as welcome bonus
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Complimentary Inflight Wifi Vouchers
  • Earn bonus Etihad Guest Miles of 55000 on a spend of AED 100000 in the first six months
  • 75% Miles Discount Voucher every year on reaching an annual spend of AED 200,000
  • Optional Miles Accelerator program
  • Fast track enrolment to Etihad Guest Gold membership
  • 6 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive 24/7 Concierge Service
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • 8% discount on hotel bookings made at Hotels.com
  • Shop Smart
  • Extended warranty
  • International medical and travel assistance
  • Home content insurance
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 3.5 Miles earned per AED 10
  • International transactions (non-AED): 6.0 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPEND

All purchase (domestic or international): 2.5 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 7.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

Things To Be Aware Of

  • Supplementary cards have annual fee of AED 250

Overview of Etihad Guest Co-Branded Credit Cards in the UAE

The Etihad Guest program is a highly rewarding loyalty scheme that offers members a wide range of benefits, making it one of the most attractive frequent flyer programs in the UAE. By joining Etihad Guest, members can earn miles not only on flights with Etihad Airways but also with its extensive network of airline and non-airline partners. These miles can be redeemed for a variety of rewards, including flights, upgrades, hotel stays, shopping vouchers, and even experiences. The program is designed with flexibility in mind, allowing members to use their miles for anything, from airline tickets to exclusive events.

The co-branded credit cards are offered in partnership with leading banks in the UAE, such as FAB, ADCB, and Emirates NBD. These cards allow members to earn Etihad Guest Miles on everyday spending, with some cards offering up to 10 miles per AED or USD spent on Etihad Airways transactions. Additionally, these cards often come with attractive welcome bonuses, complimentary airport lounge access, travel insurance, and concierge services. Higher-tier cards even contribute Tier Miles, helping members elevate their status to enjoy exclusive rewards like priority check-in, extra baggage allowance, and access to luxurious airport lounges worldwide.

Whether you are a frequent flyer or a casual traveler, the Etihad Guest program, coupled with its co-branded credit cards, offers unparalleled opportunities to maximize your travel and lifestyle benefits in the UAE.

Etihad Guest Tiers Overview

Bronze Tier

Core Benefits : Free Wi-Fi Chat package during flights, exclusive GuestSeats with fixed, reduced fares.

Upgrade Path : Earn more Tier Miles to unlock Custom Benefits by reaching higher tiers.

Silver Tier

Core Benefits : Dedicated check-in, free onboard Wi-Fi Chat package.

Custom Benefits : Choose two options like free Economy seat selection or Business Class Lounge access.

Requirements : 

To reach: 25,000 Tier Miles (10,000 from flying)

To keep: 20,000 Tier Miles (10,000 from flying)

Gold Tier

Core Benefits : Priority check-in, baggage, and boarding.

Custom Benefits : Choose four, such as 15kg extra baggage or home check-in service.

Beyond Benefits : Unlock two additional benefits upon reaching 75,000 Tier Miles.

Requirements :

To reach: 50,000 Tier Miles (20,000 from flying)

To keep: 40,000 Tier Miles (20,000 from flying)

Platinum Tier

Core Benefits : Extend your tier for up to six months, choose your own Etihad Guest number.

Custom Benefits : Choose five, including home check-in services or same day flexibility.

Beyond Benefits : Unlock two additional benefits upon reaching 175,000 Tier Miles.

Requirements :

To reach: 125,000 Tier Miles (40,000 from flying)

To keep: 100,000 Tier Miles (40,000 from flying)

Diamond Tier

Core Benefits: Bespoke benefits, elevated travel experience.

Requirements :

To reach: Spend $150,000 on Etihad flights.

To keep: Spend $150,000 on Etihad flights.

Emirates NBD Etihad Guest Credit Cards

1.Emirates NBD Etihad Guest Visa Elevate Credit Card 

Welcome Miles : Up to 200,000 Etihad Guest Miles.

Earning Rates : 10 Miles per AED 10 spend on Etihad Airways, hotels, and dining, 6 Miles on all other spends.

Joining fees : AED 2,625

Annual fees : AED 1,575

Minimum Income : AED 30,000 per month

Other Benefits : Higher rewards on international spends, airport lounge access, valet  parking, and concierge service

2.Emirates NBD Etihad Guest Visa  Inspire Credit Card

Welcome Miles : 60,000 Etihad Guest Miles.

Earning Rates : 7 Miles per AED 10 spend on Etihad Airways, hotels and dining 4 Miles on all other spends

Joining fees : AED 1,575

Annual fees : AED 735

Minimum Income : AED12,000 per month

Other benefits : Complimentary airport lounge access, Valet parking and concierge service

Emirates Islamic Etihad Guest Credit Cards

1.Emirates Islamic Etihad Guest Premium Credit Card

Welcome Miles : Up to 175,000 Etihad Guest Miles.

Earning Rates : 3.5 Miles per USD on Etihad.com, and 2.5 on domestic spend and 3 Miles per USD on international spend.

Annual Fee : AED 1,500. (25,000 bonus miles)

Annual Fee : AED 2,500. (55,000 bonus miles) (No AMF for first year* Subject to retail spend of AED 7,500 within 90 days of card approval & AMF waiver from second year** subject to annual spend of AED 150,000. If spend is not met, AMF of AED 1,500 will be charged.)

Minimum Income : AED 15,000 per month

Other Benefits : Includes complimentary valet service, airport lounge access, and Fast-Track Etihad Guest Gold Tier Status.

2.Emirates Islamic Etihad Guest  Saqer Credit Card

Welcome Miles : 30,000 Etihad Guest Miles

Earning Rates : 3 Miles per USD on Etihad.com and 1.5 Miles per USD on domestic and 2 on international spend categories.

Annual Fee : AED 899. (No AMF for first year* Subject to retail spend of AED 5,000 within 90 days of card approval & AMF waiver from second year** subject to annual spend of AED 30,000. If spend is not met, AMF of AED 899 will be charged)

Minimum Income : AED 10,000

Other Benefits : Access to airport lounges, discounts on dining, and Fast-Track Etihad Guest Silver Tier Status.

3.Emirates Islamic Etihad Guest  Ameera Credit Card

Welcome Miles : 20,000 Etihad Guest Miles

Earning Rates : 3 Miles per USD on Etihad.com and 1.5 Miles per USD on domestic and 2 on international spend categories.

Annual Fee : AED 699. ( No AMF for first year* Subject to retail spend of AED 5,000 within 90 days of card approval & AMF waiver from second year** subject to annual spend of AED 30,000. If spend is not met, AMF of AED 699 will be charged.)

Minimum Income : AED 10,000

Other Benefits : Access to airport lounges, discounts on dining, and Fast-Track update to Etihad Guest Silver Tier Status.

4.Emirates Islamic Etihad Guest  Platinum Credit Card

Welcome Miles : 5,000 Etihad Guest Miles

Earning Rates : 2 Miles per USD on Etihad.com and 1 Miles per USD on domestic and 1 on international spend categories.

Annual Fee : AED 733.

Minimum Income : AED 5,000 (No AMF for first year* Subject to retail spend of AED 3,000 within 90 days of card approval & AMF waiver from second year**)

Other Benefits : Access to airport lounges, discounts on dining, and Fast-Track update to Etihad Guest Silver Tier Status.

FAB Etihad Guest Credit Cards

1.FAB Etihad Guest Infinite Credit Card

Welcome Miles : 55,000 Etihad Guest Miles.

Earning Rates : 7 Miles for every AED 10 spent on Etihad.com and 3.5 Miles per AED 10 on domestic and 6 miles on international spend categories.

Annual Fee : AED 2,500.

Minimum Income : AED 30,000 per month.

Other Benefits : Offers a variety of benefits including unlimited airport lounge access, complimentary airport transfers and Fast Track Enrolment to Etihad Guest Gold Membership

2.FAB Etihad Guest Signature Credit Card

Welcome Miles : 35,000 Etihad Guest Miles.

Earning Rates : 5.5 Miles per AED 10 on Etihad.com and 2.5 Miles per AED 10 on domestic spends and 4.5 on international spends.

Annual Fee : AED 1,500.

Minimum Income : AED 15,000 per month

Other Benefits : Includes complimentary travel insurance, airport lounge access, fast track enrollment to Etihad Guest Silver membership and exclusive dining offers.

3.FAB Etihad Guest Platinum Credit Card

Welcome Miles : 10,000 Etihad Guest Miles.

Earning Rates : 4 Miles per AED 10 on Etihad.com and 2Miles per AED 10 on domestic spends and 3.5 on international spend

Annual Fee : AED 500,Minimum Income AED 8000 per month.

Other Benefits : Airport lounge access, Airport transfers and free cinema offers

ADCB Etihad Guest Credit Cards

1.ADCB Etihad Guest Infinite Credit Card

Welcome Miles : 60,000 Etihad Guest Miles.

Earning Rates : 3 Miles per USD spent on Etihad.com ,1 Miles per USD on domestic categories and 2 miles on international spend.

Annual Fee : AED 2,625 (inclusive of VAT).

Minimum Income : AED 30,000 per month.

Other Benefits : Etihad Gold Tier membership, Complimentary flight upgrade voucher, comprehensive travel insurance, rent a car ,Golf, Dining discounts and exclusive access to airport lounges.

2.ADCB Etihad Guest Signature Credit Card

Welcome Miles : 35,000 Etihad Guest Miles.

Earning Rates : 2 Miles per USD spent on Etihad.com , 0.5 Miles per USD on domestic categories and 1.25 miles on international spend.

Annual Fee : AED 1,050 (inclusive of VAT).

Minimum Income : AED 15,000 per month.

Other Benefits : Etihad Silver Tier membership, Complimentary flight upgrade voucher, comprehensive travel insurance, rent a car , Golf, Dining discounts and exclusive access to airport lounges.

3.FAB Etihad Guest Platinum Credit Card

Welcome Miles : 12,000 Etihad Guest Miles.

Earning Rates : 1.25 Miles per USD on international spends and 0.5 on domestic spends.

Annual Fee : AED 525 (inclusive of VAT).

Monthly Income :  AED 8,000 per month

Other Benefits : Includes airport lounge access, and dining discounts.

ADIB Etihad Guest Credit Cards

1.ADIB Etihad Guest Visa Classic Credit Card

Welcome Miles : 10,000 Etihad Guest Miles.

Earning Rates : 1 for every 4 AED on international and 0.75 on domestic spend categories.

2.ADIB Etihad Guest Visa Platinum Credit Card

Welcome Miles : 50,000 Etihad Guest Miles.

Earning Rates : 3 for every 4 AED on international and 2.2 on domestic spend categories.

Other benefits : Free Companion Ticket on every  AED 150,000 spent yearly, Fast track to Etihad Guest Gold Tier, Free airport lounge access via Lounge Key, Valet, and roadside assistance.

Al Hilal Bank Etihad Guest Credit Cards

1.Al Hilal Etihad Guest Infinite Credit Card

Welcome Miles : 60,000 Etihad Guest Miles.

Earning Rates : 8.25 Miles for every AED 10 spent on Etihad.com and 5.75 Miles for every AED 10 spent on other categories.

Annual Fee : AED 2,100 (inclusive of VAT).

Other Benefits : Includes access to luxury airport lounges, airport dining, Golf, global concierge.

2.Al Hilal Etihad Guest Signature Credit Card

Welcome Miles : 40,000 Etihad Guest Miles.

Earning Rates : 5.75 Miles for every AED 10 spent on Etihad.com and 3.75 Miles for every AED 10 spent on other categories.

Annual Fee : AED 1,050 (inclusive of VAT).

Other Benefits : Includes access to luxury airport lounges, airport dining, Golf, global concierge.

3.Al Hilal Etihad Guest Platinum Car

Welcome Miles : 13,000 Etihad Guest Miles.

Earning Rates : 4 Miles per AED 10 spent on Etihad.com and 2.75 Miles per AED 10 on other categories.

Annual Fee : AED 525 (VAT inclusive).

Other Benefits : Access to airport lounges, airport dining, golf, purchase protection and extended warranty.

Comparison of Etihad Guest Tiers

Category

Bronze

Silver

Gold

Platinum

Tier level expiry

No expiry

1 year

1 year

1 year

Miles Expiry

18 months (extendable)

18 months (extendable)

18 months (extendable)

No expiry

Etihad Guest Bonus Miles


0.25

0.5

1

Priority check-in


AUH Dedicated Check-in

 Business

Business/First

Priority boarding



Available

Available

Fast-track immigration



Available

Available

Priority baggage



Available

Available

Seat selection



Self+1 (Standard

Self+3 (Standard)

Wi-Fi packages

Free chat

Free chat

Free chat + 25% off surf

Free chat + surf

Chauffeur service for GuestSeat Business and First




Available

Guaranteed Seat - Economy


48 hours prior

48 hours prior

24 hours prior

Guaranteed Seat - Business




48 hours prior

Dedicated contact center



Available

Available

Gold Tier nomination




Once

Membership extension




Once in a lifetime

Custom Etihad Guest number redeeming Etihad Guest Miles




Once in a lifetime

Tier buy back (Co-brands only)


75,000 miles

150,000 miles


Lounge access



 Self at AUH (Business)


Self+1 (Business)

Self+1 (First)

Extra baggage on eligible fare brands



Additional 10% off


1 up to 15kgs

1 up to 20kgs

Complementary upgrade on eligible routes 




Twice

Seat selection


Seat selection


Self (Extra legroom)

Same day flexibility




Available

Chauffeur service for GuestSeat Business and First



Available

Core Benefit

Chauffeur service for Economy class



Twice

Twice

Refund on GuestSeat booking



Once

Twice

Home check-in (AUH only)



Twice

Four times

Reward shop vouchers


2 Vouchers

4 Vouchers

6 Vouchers

Number of Beyond Benefits available





Tier Miles required to unlock



75000 miles

175000 miles

Business class lounge pass



2 Vouchers

3 Vouchers

Priority access





Silver Tier nomination



Once

Once

Bonus Etihad Guest Miles



10000

20000

Avis budget tier match





National Insurance


30% Discount

30% Discount

30% Discount

Designated Yas mall parking


Available

Available

Available

Tier level expiry

No expiry

1 year

1 year

1 year

Miles Expiry

18 months (extendable)

18 months (extendable)

18 months (extendable)

No expiry

Etihad Guest Bonus Miles


0.25

0.5

1

Priority check-in


AUH Dedicated Check-in

 Business

Business/First

Priority boarding



Available

Available

Fast-track immigration



Available

Available

Priority baggage



Available

Available

Seat selection



Self+1 (Standard

Self+3 (Standard)

Wi-Fi packages

Free chat

Free chat

Free chat + 25% off surf

Free chat + surf

Chauffeur service for GuestSeat Business and First




Available

Guaranteed Seat - Economy


48 hours prior

48 hours prior

24 hours prior

Guaranteed Seat - Business




48 hours prior

Dedicated contact center



Available

Available

Gold Tier nomination




Once

Membership extension




Once in a lifetime

Custom Etihad Guest number redeeming Etihad Guest Miles




Once in a lifetime

Tier buy back (Co-brands only)


75,000 miles

150,000 miles


Lounge access



 Self at AUH (Business)


Self+1 (Business)

Self+1 (First)

Extra baggage on eligible fare brands



Additional 10% off


1 up to 15kgs

1 up to 20kgs

Complementary upgrade on eligible routes 




Twice

Seat selection


Seat selection


Self (Extra legroom)

Same day flexibility




Available

Chauffeur service for GuestSeat Business and First



Available

Core Benefit

Chauffeur service for Economy class



Twice

Twice

Refund on GuestSeat booking



Once

Twice

Home check-in (AUH only)



Twice

Four times

Reward shop vouchers


2 Vouchers

4 Vouchers

6 Vouchers

Number of Beyond Benefits available





Tier Miles required to unlock



75000 miles

175000 miles

Business class lounge pass



2 Vouchers

3 Vouchers

Priority access





Silver Tier nomination



Once

Once

Bonus Etihad Guest Miles



10000

20000

Avis budget tier match





National Insurance


30% Discount

30% Discount

30% Discount

Designated Yas mall parking


Available

Available

Available

Etihad Guest Miles Credit Cards: Comprehensive Comparison


Card

Welcome Miles

Miles Earning (Domestic Spend)

Miles Earning (International Spend)

Miles Earning (Etihad.com Spend)

Miles Earning (Govt/Utilities/Education/Service/Charities Spend)

ADIB Etihad Guest Visa Platinum Card

50,000 2.2/4 AED
3/4 AED

1/4 AED

ADIB Etihad Guest Visa Gold Card


35,000
1/4 AED 0.5/4 AED
0.5/4 AED

ADIB Etihad Guest Visa Classic Card


10,000
0.75/4 AED
1/4 AED


0.25/4 AED

Emirates NBD Etihad Guest Elevate Visa Credit Card


40,000
Upto6 /10 AED 6/10 AED 10/10 AED

Emirates NBD Etihad Guest Inspire Visa Credit Card


20,000
4/10 AED 4/10 AED 7/10 AED

Emirates Islamic Etihad Guest Premium Card

55,000 2/USD 3/USD 3.5/USD

Emirates Islamic Etihad Guest Saqer Card

30,000
1.5/USD
2/USD 3/USD

Emirates Islamic Etihad Guest Ameera Card

30,000 1.5/USD 2/USD 3/USD

Emirates Islamic Etihad Guest Platinum Card


5,000
1/USD 1.5/USD 2/USD

FAB Etihad Guest Infinite Credit Card


55,000
3.5/10 AED 6/10 AED 7/10 AED

FAB Etihad Guest Signature Credit Card

35,000 2.75/10 AED 4.5/10 AED 5.5/10 AED

FAB Etihad Guest Platinum Credit Card

10,000 2/10 AED 3.5/10 AED 4/10 AED

ADCB Etihad Guest Infinite Card

60,000 2/USD 3/USD 3/USD

ADCB Etihad Guest Signature Card

35,000 1.25/USD 2/USD 2/USD

ADCB Etihad Guest Platinum Card

12,000 1/USD
1.25/USD
1.25/USD

Al Hilal Bank Etihad Guest Infinite Card

60,000 5.75/10 AED 8.25/10 AED 8.25/10 AED

Al Hilal Bank Etihad Guest Signature Card

40,000 3.75/10 AED 5.75/10 AED 5.75/10 AED

Al Hilal Bank Etihad Guest Platinum Card

13,000 2.75/10 AED 4/10 AED 4/10 AED

Additional Insights

Tier Miles and Status Benefits 

Many of these cards offer Tier Miles that contribute toward your status in the Etihad Guest program, allowing you to enjoy rewards like priority boarding, additional baggage allowance, and lounge access.

Rewarding Spend Categories 

These cards often have higher earning rates on travel-related expenses, particularly on spends made directly with Etihad Airways, making them ideal for frequent flyers.

Comprehensive Travel Benefits

 Most of the higher-tier cards provide extensive travel benefits, including airport transfers, travel insurance, and access to luxury lounges.

Choosing the right Etihad Guest credit card depends on your spending habits, travel frequency, and the specific perks you value most. Whether you are looking for high reward rates, premium travel benefits, or lower annual fees, there is an Etihad Guest cobranded card that fits your needs.

How to Maximize Etihad Guest Miles Earning?

Maximizing Etihad Guest miles requires a strategic approach that combines earning opportunities with smart redemption strategies. Here is how you can get the most out of your Etihad Guest miles :

 1. Use Co-Branded Credit Cards

Leverage Co-Branded Cards: Sign up for an Etihad Guest co-branded credit card, such as those offered by FAB, ADCB, or Emirates NBD. These cards often provide generous welcome bonuses and allow you to earn miles on every purchase, with higher earning rates on specific categories like Etihad.com transactions, dining, and travel. Some cards also offer Tier Miles, which help you elevate your Etihad Guest status.

 2. Fly with Etihad Airways and Partners

Earn Miles on Flights : Always book flights with Etihad Airways or its partner airlines. The more you fly, the more miles you accumulate. Additionally, flying in premium classes like Business or First Class will earn you more miles compared to Economy.

Take Advantage of Promotions : Etihad frequently runs promotions where you can earn double or even triple miles on specific routes or during certain periods. Keep an eye out for these deals to boost your mileage balance.

3. Shop and dine with Etihad Partners

Use Shopping and Dining Partners : Earn miles by shopping with Etihad’s retail partners or dining at partner restaurants. Many partners allow you to earn miles for every dirham spent, making it easy to accumulate miles through everyday activities.

Participate in Etihad Rewards Mall : The Etihad Rewards Mall is an online shopping portal where you can earn miles by purchasing from popular global brands. This is a fantastic way to earn miles while doing your regular shopping.

4. Convert Points from Other Loyalty Programs

Transfer Points from Hotel and Credit Card Programs : Many hotel loyalty programs and non-Etihad credit cards allow you to convert their points into Etihad Guest miles. For example, you can transfer points from Marriott Bonvoy, Hilton Honors, or American Express Membership Rewards to your Etihad Guest account.

Watch for Transfer Bonuses : Sometimes, Etihad offers bonus miles when you transfer points from certain programs. Taking advantage of these offers can significantly boost your miles balance.

5. Optimize Miles Redemption

Book Guest Seats : Guest Seats offer the best value for your miles when booking flights. They are generally available at a lower mileage rate compared to Open Seats. Additionally, booking well in advance increases the chances of finding Guest Seats at a lower cost.

Use Miles for Upgrades : If you have booked an Economy ticket, consider using your miles to upgrade to Business or First Class. This can be a terrific way to enhance your travel experience at a fraction of the cost.

6. Participate in the Etihad Guest Program

Reach Higher Tiers : Aim to reach higher tiers in the Etihad Guest program (Silver, Gold, or Platinum) by accumulating Tier Miles. Higher tiers come with additional benefits like bonus miles, priority boarding, lounge access, and more.

Utilize Family Membership : Pool miles with family members under the Family Membership program to consolidate your miles and reach redemption thresholds faster.

7. Stay Informed and Be Strategic

Monitor Your Miles Expiry : Regularly check your miles balance and expiry dates. Use or extend your miles before they expire to avoid losing them.

Stay Updated : Subscribe to Etihad’s newsletter or follow their social media channels to stay informed about new promotions, bonus mile opportunities, and special redemption offers.

By following these strategies, you can maximize your Etihad Guest miles, allowing you to enjoy more rewards and a better overall experience with Etihad Airways and its partners.

Earn and Spend Miles with Your Credit Card

Miles Redemption

1. Transform your Etihad Guest miles to rewards

   From GuestSeats to 5Star retreats, gadgets and getaways, shopping sprees, growing trees; almost anything you please. If you can dream it, your Etihad Guest Miles can redeem it.

2. Watch your miles take off

   Use your miles to book flights with Etihad Airways or any partner airline to hundreds of destinations around the world from as little as 6,500 miles. You can also use your miles to pay for lounge access, extra baggage, extra legroom, 

   in- flight WiFi, and so much more.

3. Your upgrade is waiting

    Take your flight experience to the next level by using your miles to upgrade your Economy seat to Business or First. Sit back, then lie back and relax in ultimate comfort.

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FAQs

The Etihad Guest Rewards Program is a loyalty program that allows you to earn miles for every purchase made with participating credit cards, which can be redeemed for flights, upgrades, and other benefits.

Several banks in the UAE offer credit cards with the Etihad Guest Rewards Program, including ADCB, Abu Dhabi Islamic Bank, Emirates NBD, and more.

   You earn Etihad Guest Miles by making purchases with your credit card. The number of miles earned varies depending on the card and the type of transaction.

   Yes, many credit cards offer bonus miles when you sign up and meet certain spending criteria within a specified period.

Etihad Guest Miles can be redeemed for flights, seat upgrades, hotel stays, car rentals, and shopping with Etihad's partners.

Yes, Etihad Guest Miles typically expire after a certain period of inactivity. Check the specific terms and conditions of your card for more details.

Yes, most credit cards with the Etihad Guest Rewards Program have annual fees. The amount varies by card.

Generally, miles are not earned on balance transfers and cash advances. Check your card's terms and conditions for specifics.

You can check your Etihad Guest Miles balance online by logging into your Etihad Guest account or through your credit card's online banking portal.

Yes, each credit card has a minimum income requirement, which varies by card and issuing bank.

Can I convert my existing credit card to one that offers Etihad Guest Rewards?.

Foreign transaction fees may apply. Check the specific terms and conditions of your card.

Many Etihad Guest Rewards credit cards offer travel insurance as part of their benefits package. Details vary by card.

Yes, many cards allow you to add supplementary cardholders, which can help you earn miles faster.

    Some credit cards offer higher mile earnings on specific categories like travel, dining, or grocery purchases.

You can redeem your miles for flights by logging into your Etihad Guest account and selecting the "Book Flights with Miles" option.

Yes, you can use Etihad Guest Miles to upgrade your flight class, subject to availability and fare class eligibility. Yes, you can use Etihad Guest Miles to upgrade your flight class, subject to availability and fare class eligibility.

Many Etihad Guest Rewards credit cards offer complimentary access to airport lounges. Check your card's benefits for details.

If you lose your credit card, contact your bank immediately to report the loss and request a replacement card.

Customer service contact details can be found on the back of your credit card, on your bank's website, or through your bank's mobile app.