ENBD Etihad Guest Visa Elevate Credit Card

You earn 1 Etihad Guest Mile per AED 1 spent on etihad.com, Etihad Airways flights, dining and hotels. All other UAE and international retail spend earns 0.6 miles per AED 1. There's no cap mentioned on either earn rate, so the Etihad/dining/hotel spend is where the card pays off best.

You get 40,000 miles simply for paying the joining fee. Spend AED 90,000 within 6 months of card issuance and you earn another 60,000 miles, and spending AED 120,000 within that same 6-month window earns a further 100,000 miles. Combined, that's up to 200,000 bonus Etihad Guest Miles.

The joining fee is AED 2,625 and the annual fee is AED 1,575. The monthly purchase interest rate is 3.25%, which works out to 39.00% per annum if you carry a balance. There's also a late payment fee of AED 241.50 charged per month if the minimum due isn't paid in full.

You need a minimum monthly salary of AED 30,000 and must be at least 21 years old and a UAE resident. Emirates NBD may ask for your Emirates ID, passport copy, salary certificate or bank statements, and a security cheque as part of the application.

Yes. Cardholders get complimentary lounge access for themselves and a guest at over 1,000 airports worldwide, plus up to 4 complimentary airport transfers a year to Zayed International Airport (with inter-city Dubai-Abu Dhabi transfers also available). Completing one return Etihad Airways flight within 6 months also fast-tracks you to Etihad Guest Gold Tier.

Yes. For every AED 150,000 you spend on the card, you earn a 50% discount voucher on miles redemption, up to a maximum of 2 vouchers per year. That's on top of the mileage you're already earning from everyday spend.