Emirates Islamic Etihad Guest Ameera Credit Card

3 miles per USD on Etihad flights; 2 miles per USD internationally; 1.5 miles per USD on other spend.

Lounge access requires a qualifying foreign-currency transaction after the first annual visit. Golf requires AED 5,000 monthly retail spend for two rounds.

The Ameera card carries a joining fee of AED 733.95 and an annual fee of AED 733.95, so the first-year cost and every renewal are the same amount. Emirates Islamic's listing for this card does not mention a fee waiver, so plan on paying this fee each year you keep the card open.

Applicants need a minimum monthly salary of AED 12,000 and must be at least 21 years old.

Yes. New Ameera cardholders receive 20,000 Etihad Guest Miles as a welcome bonus, which is distinct from the card's ongoing per-USD earning structure on Etihad flights, international spend, and other purchases. It is an upfront reward on top of whatever miles you go on to earn from spending.

Spending AED 2,000 on Etihad Airways within 12 months of card issuance unlocks 12 months of Etihad Guest Silver Tier status.

Cardholders get up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi Airport, up to 2 complimentary Marhaba/Salam Meet & Greet services per year, 1 complimentary valet parking service per month, complimentary travel takaful on trips up to 90 days, and a 25% Etihad Guest Miles discount voucher after AED 100,000 spend in the cardholder's anniversary year. Most require a minimum monthly card spend of AED 3,000–5,000; see each benefit for its exact threshold.