Emirates Islamic Etihad Guest Saqer 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 offers two complimentary rounds per month after AED 5,000 monthly retail spend.

Yes — the Saqer card has a joining fee of AED 943.95 and an annual fee of AED 943.95, so the cost is identical in year one and every year after. It's also an Islamic card, so it carries a monthly profit rate of 3.69% (44.28% per annum) on any outstanding balance instead of conventional interest.

You need a minimum monthly salary of AED 12,000 and to be at least 21 years old. Emirates Islamic's published eligibility criteria for this card don't set a separate minimum credit limit requirement.

The standard 30,000-mile award follows annual membership fee payment. Through 31 October 2026, qualifying new applicants may instead receive 50,000 miles after the campaign fee and 50,000 after AED 45,000 eligible spend within three months; the awards do not stack.

It sits in the middle of the family. The entry-level Platinum needs just AED 5,000 salary and an AED 208.95 annual fee but earns up to 2 Etihad Guest Miles per USD, while the top-tier Premium needs AED 20,000 salary and an AED 2,625 fee for up to 3.5 miles per USD. Saqer asks for AED 12,000 salary and an AED 943.95 fee for up to 3 miles per USD, plus its own Fast-Track to Etihad Silver Status.