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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

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Emirates Islamic Etihad Guest Platinum Credit Card
Joining Fee
AED 208.95
Annual Fee
AED 208.95
Minimum Salary
AED 5,000

Emirates Islamic Etihad Guest Platinum Credit Card

Earn Etihad Guest Miles on eligible spend, with a 10% redemption discount voucher and inflight Wi-Fi vouchers each year.

Updated Sep 2026

≈ AED 8,867 potential value / year · incl. welcome bonus
WebsiteVisit Emirates Islamic Etihad Guest Platinum Credit Card credit card website

At a glance

Welcome offer

Welcome bonus
5,000 Etihad Guest Miles
Welcome bonus
Up to 30,000 Etihad Guest Miles campaign

Fees and eligibility

Joining FeeAED 208.95
Annual FeeAED 208.95
Minimum SalaryAED 5,000
Monthly Profit Rate
3.69%
International Transaction Fee (non-AED)
2.54%
See all fees

Rewards

CategoryEarnRate
Etihad Airways
0.545 miles per AED
2.4%

0.545 miles per AED

International
0.408 miles per AED
1.8%

0.408 miles per AED

Grocery, Automotive +8 more
0.082 miles per AED
0.36%

0.082 miles per AED

All other spend
0.272 miles per AED
1.2%

0.272 miles per AED

CategoryEarnRate
Etihad Airways
0.545 miles per AED
2.4%

0.545 miles per AED

International
0.408 miles per AED
1.8%

0.408 miles per AED

Grocery, Automotive +8 more
0.082 miles per AED
0.36%

0.082 miles per AED

All other spend
0.272 miles per AED
1.2%

0.272 miles per AED

See all rewards

Welcome offer

5,000 Etihad Guest Miles

Welcome bonus of 5,000 Etihad Guest Miles.

Earn 5,000 Etihad Guest Miles after paying the annual membership fee under the standard card offer. A separate campaign through 31 October 2026 replaces this award for qualifying new applicants; the two awards do not stack.

See full breakdown

Up to 30,000 Etihad Guest Miles campaign

Apply by 31 October 2026; fee payment and AED 12,000 spend in three months unlock two stages.

Limited time · valid till 31 Oct 2026

Apply by 31 October and activate within 30 days. New Etihad-card customers earn 10,000 miles after the campaign fee, then 20,000 after AED 12,000 retail spend in three months. Issuance must be by 5 November. This replaces standard miles.

See full breakdown

Rewards

2Etihad Guest Miles

per USD 1 on direct Etihad bookings.

Earn 2 Etihad Guest Miles per USD 1 spent directly with Etihad Airways.

See full breakdown

1.5Etihad Guest Miles

per USD 1 on international spend.

Earn up to 1.5 miles per USD 1 on eligible international spend; EEA and UK merchants earn 1, and selected categories earn 0.3 miles per USD 1.

See full breakdown

1Etihad Guest Miles

per USD 1 on other spend.

Earn up to 1 Etihad Guest Mile per USD 1 on other eligible domestic spend; selected merchant categories earn 0.3 mile per USD 1.

See full breakdown

Rewards Calculator

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Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

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Eligibility

21

Minimum Age

5,000AED

Minimum Income

Documents ready

Emirates ID + passport with residence visa

Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.

Check your AECB report

Recent rejections or missed payments can stall approval

A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.

October Spotlight

Emirates NBD

Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.

See all
ENBD noon One Visa Credit Card Design
4.1/5

EMIRATES NBD

ENBD noon One Visa Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • AED 500 bonus on AED 5,000
  • 20% back in credits on noon Food
  • 5% back in credits on noon
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER
3.9/5

EMIRATES NBD

ENBD Voyager World Credit Card

  • Salary: AED 12,000+
  • 75,000 Miles on AED 35,000
  • No Annual Fee
  • 6 Miles/AED on Voyager Portal
  • 3 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

EMIRATES NBD

ENBD Voyager World Elite Credit Card

  • Salary: AED 25,000+
  • 150,000 Miles on AED 70,000
  • No Annual Fee for the first year
  • 12 Miles/AED on Voyager Portal
  • 6 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Offers

See all 6
Lifestyle

Merchant

Careem Dine Out

Careem Dine Out Offer

Valid until 30 Oct 2026
View offer
Lifestyle

Merchant

Careem DineOut

Careem DineOut Offer

Valid until 28 Nov 2026
View offer
Lifestyle

Merchant

Emirates Holidays

Emirates Holidays Offer

Valid until 16 Dec 2026
View offer
Lifestyle

Merchant

Golden ALPHA

Golden ALPHA Offer

Valid until 30 Dec 2026
View offer

Fees

208.95AED

Joining Fee

208.95AED

Annual Fee

3.69%

Monthly Profit Rate

3.69% per month (44.28% per annum)

Minimum Monthly Payment5%*

*5% of outstanding balance and all fees and charges

Commitment to DonateAED 131.25*

*Charged on delayed or missed payments; donated to a bank-approved charity per Shariah requirements.

Over Limit FeeAED 261.45*

*Charged per month while over limit

Cash Advance Fee3.15%*

*3.15% of transaction amount or AED 103.95, whichever is higher

Supplementary CardFree*

*Up to 4 complimentary supplementary cards

Card ReplacementAED 78.75
Slip RetrievalAED 52.5
Direct Debit Return FeeAED 105
International Transaction Fee (non-AED)2.54%*

*2.54% of transaction amount

Credit Shield1.04%*

*1.04% of outstanding balance per month

Foreign Currency Transaction Fee (AED abroad)1.99%*

*1.99% on AED transactions processed abroad

Important Stuff

Key Facts Statement

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Schedule of Charges

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Frequently Asked Questions

Get answers to common questions about Emirates Islamic Etihad Guest Platinum Credit Card credit card

2 miles per USD on Etihad flights; 1.5 miles per USD internationally; 1 mile per USD on other spend.

This tier does not include airport lounge access or golf. It carries 2 complimentary inflight Wi-Fi vouchers per membership year, one per AED 500-plus Etihad Airways transaction, and a 10% Etihad Guest Miles redemption discount voucher after AED 50,000 spend in your card anniversary year.

Yes, the Emirates Islamic Etihad Guest Platinum Credit Card carries an AED 208.95 annual fee. That's the same amount as the joining fee charged when you first open the account.

You need a minimum monthly salary of AED 5,000 and must be at least 21 years old to qualify.

The standard 5,000-mile award follows annual membership fee payment. Through 31 October 2026, qualifying new applicants may instead receive 10,000 miles after the campaign fee and 20,000 after AED 12,000 eligible spend within three months; the awards do not stack.

The Platinum requires a minimum salary of AED 5,000 and an AED 208.95 annual fee, versus AED 20,000 and AED 2,625 for the Premium card. The Premium's welcome bonus is also much larger, up to 55,000 Etihad Guest Miles compared to 5,000 on the Platinum, reflecting its higher fee and salary tier.

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