Restaurants
Merchant
31 Bar & Lounge
20% off on total bill
Valid until 31 Jul 2026
ENBD Etihad Guest Visa Elevate Credit Card
A co-brand travel card with Etihad Guest, earning 1 mile per AED on Etihad, dining and hotels, with up to 200,000 bonus welcome miles. Also includes Etihad Guest Gold Tier fast-track.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 30,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ENBD Etihad Guest Visa Elevate Credit Card expects AED 30,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Welcome offer
Up to 200,000 Bonus Etihad Guest Miles
40,000 on joining, up to 160,000 more on spend
Earn 40,000 miles on payment of the joining fee, 60,000 miles on spending AED 90,000 within 6 months, and 100,000 miles on spending AED 120,000 within 6 months of card issuance.
See full breakdownRewards
1Etihad Guest Miles
per AED 1 on Etihad Airways, dining and hotels.
Earn 1 Etihad Guest Mile per AED 1 on etihad.com, Etihad Airways, dining and hotel spend.
See full breakdown0.6Etihad Guest Miles
per AED 1 on other UAE and international spend.
Earn 0.6 Etihad Guest Miles per AED 1 on other UAE and international retail spend.
Rewards Calculator
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 829View offer
Restaurants
Merchant
360 restaurant
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
90 Centigrade Café
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
Al Dana
20% off on total bill
Valid until 31 Jul 2026
Additional Benefits
Etihad Guest Gold Tier Fast-Track
Upgrade after 1 return Etihad flight
Fast-track to Etihad Guest Gold Tier upon completing 1 return Etihad Airways flight within 6 months of card issuance.
Airport Lounge Access
Access for you and a guest at 1,000+ airports
Complimentary lounge access for the cardholder and a guest at over 1,000 airports worldwide.
Airport Transfers
Up to 4 UAE airport transfers per year
Up to 4 complimentary airport transfers per year to Zayed International Airport, plus inter-city (Dubai–Abu Dhabi) transfers reserved for Etihad Guest Visa Limitless and Elevate cardholders. Bookings must be made at least 48 hours in advance, subject to availability.
Miles Redemption Discount Vouchers
50% off miles redemption, up to 2 per year
Earn a 50% discount voucher on miles redemption for every AED 150,000 spent, up to a maximum of 2 vouchers per year.
Eligibility
21
Minimum Age
30,000AED
Minimum Income
UAE residency documents
Emirates NBD may request Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.
Fees
2,625AED
Joining Fee
1,575AED
Annual Fee
3.25%
Monthly Purchase Rate
3.25% per month (39.00% per annum).
Late Payment FeeAED 241.5*
*Charged per month if the minimum payment due is not received in full by the payment due date.
Over Limit FeeAED 292.95*
*Charged once during each billing cycle when the current balance exceeds the credit limit.
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 103.95, whichever is higher.
Installment ProcessingAED 51.45*
*Charged per transaction.
Installment Pre-closure1.05%*
*1.05% of principal outstanding.
International Transaction Fee (non-AED)1.99%*
*Bank currency conversion fee; network processing fees may also apply.
Foreign Currency Transaction Fee (AED abroad)1.99%*
*Applies when settling foreign currency transactions in UAE dirhams overseas.
Direct Debit Return FeeAED 105*
*Charged for returned cheque or direct debit handling.
Credit Shield Pro0.99%*
*Monthly premium on the credit card outstanding balance when enrolled.
Important Stuff
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