Emirates Islamic Etihad Guest Premium Credit Card

3.5 miles per USD on Etihad flights; 3 miles per USD internationally; 2 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, or AED 10,000 for unlimited Premium rounds.

Yes — the Premium card charges an AED 2,625 annual fee, matching its AED 2,625 joining fee paid when you first sign up. As a Sharia-compliant card it has no interest; instead a monthly profit rate of 3.69% (44.28% per annum) applies to any outstanding balance, with a minimum monthly payment of 5% of what you owe.

You need a minimum monthly salary of AED 20,000 and to be at least 21 years old to qualify for the Emirates Islamic Etihad Guest Premium Credit Card. There's no separate minimum credit limit requirement listed for this card — salary and age are the two published eligibility criteria.

New cardholders can earn up to 55,000 Etihad Guest Miles as a welcome bonus after getting approved for the Premium card. That's on top of the ongoing 3.5 Etihad Guest Miles per USD 1 you earn on Etihad Airways bookings, so your Etihad Guest account starts stocked with miles from day one.

Spending in a foreign currency carries an international transaction fee of 2.54% of the amount. If you use AED while traveling outside the UAE, a separate foreign currency transaction fee of 1.99% applies to those AED transactions processed abroad. Cash advances cost 3.15% of the amount or AED 103.95, whichever is higher.