Best Etihad Guest Credit Cards in the UAE
Compare every Etihad Guest co-branded credit card in the UAE.
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Options come from ADCB, FAB, ENBD and Emirates Islamic. Compare Etihad Miles per AED, welcome bonuses, salary tiers and annual fees.
Best Etihad Guest Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | AED 2,625 | AED 40,000 | Top tier — 60,000 welcome Etihad Guest Miles plus high earn rate on Etihad and international spend |
 | AED 943.95 | AED 12,000 | Emirates Islamic Etihad Guest Saqer — signature-tier Etihad Miles with lounge access and golf |
 | AED 2,625 | AED 30,000 | FAB's top Etihad Infinite — Visa Infinite benefits plus Etihad Miles bonus on Etihad spend |
 | AED 1,575 | AED 15,000 | Mid-tier FAB Etihad Guest — Etihad Miles earn at signature salary |
 | AED 525 | AED 8,000 | Entry FAB Etihad Guest — lowest salary tier with Etihad Miles earning |
 | AED 2,625 | AED 20,000 | Sharia-compliant Etihad Guest with premium-tier earn rate |
 | AED 1,575 | AED 30,000 | ENBD Etihad Guest with Visa Elevate benefits and lounge access |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 2,625 | AED 40,000 | Top tier — 60,000 welcome Etihad Guest Miles plus high earn rate on Etihad and international spend |
| AED 943.95 | AED 12,000 | Emirates Islamic Etihad Guest Saqer — signature-tier Etihad Miles with lounge access and golf |
| AED 2,625 | AED 30,000 | FAB's top Etihad Infinite — Visa Infinite benefits plus Etihad Miles bonus on Etihad spend |
| AED 1,575 | AED 15,000 | Mid-tier FAB Etihad Guest — Etihad Miles earn at signature salary |
| AED 525 | AED 8,000 | Entry FAB Etihad Guest — lowest salary tier with Etihad Miles earning |
| AED 2,625 | AED 20,000 | Sharia-compliant Etihad Guest with premium-tier earn rate |
| AED 1,575 | AED 30,000 | ENBD Etihad Guest with Visa Elevate benefits and lounge access |
ADCB Etihad Guest Infinite Credit Card
Annual feeAED 2,625
Min. salaryAED 40,000
HighlightTop tier — 60,000 welcome Etihad Guest Miles plus high earn rate on Etihad and international spend
Emirates Islamic Etihad Guest Saqer Credit Card
Annual feeAED 943.95
Min. salaryAED 12,000
HighlightEmirates Islamic Etihad Guest Saqer — signature-tier Etihad Miles with lounge access and golf
FAB Etihad Guest Infinite Credit Card
Annual feeAED 2,625
Min. salaryAED 30,000
HighlightFAB's top Etihad Infinite — Visa Infinite benefits plus Etihad Miles bonus on Etihad spend
FAB Etihad Guest Signature Credit Card
Annual feeAED 1,575
Min. salaryAED 15,000
HighlightMid-tier FAB Etihad Guest — Etihad Miles earn at signature salary
FAB Etihad Guest Platinum Credit Card
Annual feeAED 525
Min. salaryAED 8,000
HighlightEntry FAB Etihad Guest — lowest salary tier with Etihad Miles earning
Emirates Islamic Etihad Guest Premium Credit Card
Annual feeAED 2,625
Min. salaryAED 20,000
HighlightSharia-compliant Etihad Guest with premium-tier earn rate
ENBD Etihad Guest Visa Elevate Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightENBD Etihad Guest with Visa Elevate benefits and lounge access
Why choose Etihad Guest Credit Cards in the UAE
1.
Etihad Guest vs Skywards — pick by where you fly
Etihad Guest cards are the right choice if Etihad is your primary airline — they earn at higher rates on Etihad spend and unlock tier-status fast-track. If you fly Emirates more often, the Skywards co-branded cards (ENBD Skywards) will deliver better redemption value.
2.
Salary tier determines earn rate
Etihad Guest Platinum unlocks at AED 8,000 salary, Signature from AED 15,000–20,000, and Infinite at AED 30,000–40,000+. Each tier increases the Etihad Miles per AED spent, with welcome bonuses scaling proportionally.
3.
Welcome bonus value can clear year-one fee
Top Etihad Guest cards include large welcome Etihad Miles offers (e.g. ADCB Etihad Guest Infinite offers 60,000 welcome Etihad Miles). Etihad Miles value varies by redemption — premium-cabin redemptions usually deliver the highest per-mile value.
How Kredit decides
Methodology and data behind this comparison
Commercial relationships do not determine Kredit Ratings or market rankings. Use the published methods and data sources below to inspect how the comparison is built.
Etihad Guest guide
Programme rules, earning and redemption context separate from card selection.
Etihad Guest valuation
See the AED-equivalent valuation methodology used for miles.
Tools & calculators
Put the comparison into your own numbers, or open the underlying market data before you choose.
Calculator
Cash vs miles
Test an award booking against its cash price and see whether using miles is actually good value.
Calculator
Miles & points to AED
Convert major UAE airline and rewards-programme balances into an estimated AED value.
Calculator
Rewards calculator
Enter your monthly spend and compare the AED value different UAE cards could return.
7 cards in the UAE
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 2,625
- Welcome Bonus: 60,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per 1 USD
- Up to 4 class upgrade vouchers
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Infinite Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 2,625
- Bonus: Up to 200,000 Etihad Guest Miles
- 7.5 Etihad Miles per AED 10 spent
- Fast track to Etihad Gold membership.
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Signature Credit Card
- Salary: AED 15,000+
- Free First Year, AED 1,575 After
- Bonus: Up to 100,000 Etihad Miles
- 5.5 Etihad Miles per AED 10 spent
- Fast track to Etihad Silver membership.
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Platinum Credit Card
- Salary: AED 8,000+
- Annual Fee: AED 525
- Welcome Bonus: 10,000 Miles
- Earn 4 Etihad Miles per AED 10 spent.
- 2 free airport transfers/year
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Premium Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 2,625
- Welcome Bonus: Up to 55,000 Etihad Guest Miles
- Up to 3.5 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Guest Gold Status
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Saqer Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 943.95
- Welcome Bonus: 30,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Silver Status
EMIRATES NBD
ENBD Etihad Guest Visa Elevate Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 2,625
- Annual Fee: AED 1,575
- Welcome Offer: Up to 200,000 Miles
- 10 Miles per AED 10 spend on Etihad
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 8,000–40,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 8,000–40,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Etihad Guest Credit Cards in the UAE
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