Lifestyle
Merchant
The Bicester Collection
Exclusive shopping benefits and savings
Valid until 31 Aug 2026
- Joining Fee
- AED 1,575
- Annual Fee
- AED 1,575
- Minimum Salary
- AED 15,000
FAB Etihad Guest Signature Credit Card
A mid-tier FAB Etihad co-brand card earning Etihad Guest Miles on every spend, with airport lounge access and complimentary golf.
≈ AED 12,977 potential value / year · incl. perks · incl. welcome bonus
Welcome offer
Up to 70,000 Etihad Guest Miles
Joining miles plus a spend-based bonus.
Earn up to 70,000 Etihad Guest Miles — joining miles plus a bonus on meeting the qualifying retail spend.
See full breakdownRewards
5.5Etihad Guest Miles
per AED 10 on Etihad and partner spend.
Earn 5.5 Etihad Guest Miles per AED 10 on Etihad Airways bookings and partner merchants.
See full breakdown4.5Etihad Guest Miles
per AED 10 on international spend.
Earn 4.5 Etihad Guest Miles per AED 10 on international (non-AED) spend.
See full breakdown2.75Etihad Guest Miles
per AED 10 on other spend.
Earn 2.75 Etihad Guest Miles per AED 10 on all other spend.
See full breakdownRewards Calculator
My Cards
Already have the FAB Etihad Guest Signature Credit Card?
Add it to your wallet, include any other cards you own, and see exactly where this card should be used.
Eligibility
21
Minimum Age
15,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Offers
See all 153View offer
Lifestyle
Merchant
Dubai Parks and Resorts
Enjoy a 20% discount on entry tickets
Valid until 15 Sep 2026
Lifestyle
Merchant
Dubai Parks and Resorts
Enjoy a 20% discount on entry tickets
Valid until 15 Sep 2026
Lifestyle
Merchant
The View at the Palm
20% Discount on entry tickets
Valid until 15 Sep 2026
Additional Benefits
Airport lounge access
Complimentary worldwide lounge access.
No minimum spend requiredComplimentary access to airport lounges worldwide via Visa Airport Companion for the cardholder.
See full breakdownDiscounted airport transfers
Discounted airport transfers each year.
No minimum spend requiredDiscounted airport transfers each year — from AED 40 within-city or AED 100 inter-city.
See full breakdownComplimentary golf
Complimentary golf at participating UAE courses.
Complimentary rounds of golf at participating UAE courses.
See full breakdownFees
1,575AED
Joining Fee
1,575AED
Annual Fee
3.25%
Monthly Interest Rate
3.25% per month (39.00% per annum).
International Transaction Fee (non-AED)1.99%*
*1.99% of the transaction amount for non-AED spend.
Foreign Currency Transaction Fee (AED abroad)1.99%*
*1.99% on foreign-currency transactions settled in AED abroad.
Supplementary CardFree*
*Complimentary.
Credit Shield0.99%*
*Optional; charged monthly on the outstanding balance when enrolled.
Cash Advance3.15%*
*3.15% or AED 157.50 per transaction, whichever is higher. Finance charges on the withdrawn amount apply separately from the transaction date.
Late PaymentAED 241.5*
*Charged if the minimum payment is not received by the due date.
Over-LimitAED 303.18*
*Charged when the outstanding balance exceeds the approved credit limit.
Card ReplacementAED 25*
*Reduced from AED 78.75 to AED 25 effective 20 August 2026.
Credit Shield Plus1.04%*
*1.04% per month of the outstanding balance. Optional plan — enrolment required.
Wallet Shield0.42%*
*0.42% per month of the outstanding balance. Optional plan — enrolment required.
Accident Insurance0.26%*
*0.26% per month of the outstanding amount or AED 31.40, whichever is higher. Optional plan — enrolment required.
Instalment / Financing Plans3%*
*Up to 3% per month flat rate on booking amount. Easy Buys/ALOC: up to 4% transaction fee on total principal. Rate confirmed at time of booking.
Instalment Cancellation1.05%*
*1.05% of the principal outstanding amount, maximum AED 10,500.
Plan DefermentAED 262.5
Statement ReprintAED 26.25*
*Per statement reprinted.
Sales Draft CopyAED 26.25
Liability LetterAED 52.5
Transaction DisputeAED 105
Outstation ChequeAED 52.5
Returned ChequeAED 220.5
Minimum Payment5%*
*5% of the outstanding balance or AED 100, whichever is higher.
Payment DueFree*
*21–25 days from the statement date.
Important Stuff
Frequently Asked Questions
Get answers to common questions about FAB Etihad Guest Signature Credit Card credit card
Similar cards
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.
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 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
Other credit cards from this bank
FIRST ABU DHABI BANK (FAB)
FAB Elite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 1,260
- Up to 20 FAB Rewards on luxury spending
- Up to 5 FAB Rewards on all other spending including abroad
- Up to 40% off at 100+ restaurants via ADV+
FIRST ABU DHABI BANK (FAB)
FAB SHARE Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 4% at malls & Carrefour
- 1% international
- 2-for-1 VOX monthly
FIRST ABU DHABI BANK (FAB)
FAB SHARE Signature Credit Card
- Salary: AED 10,000+
- Annual Fee: AED 525
- 5,000 bonus SHARE points
- 6% at malls & Carrefour
- 2-for-1 VOX 3× monthly
FIRST ABU DHABI BANK (FAB)
FAB SHARE Infinite Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,050
- 10,000 bonus SHARE points
- 8% at malls & Carrefour
- Free lounge access
FIRST ABU DHABI BANK (FAB)
FAB Rewards Active Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 5 FAB Rewards per AED 1 on sports spending
- 2 FAB Rewards per AED 1 on domestic and international spending
- 25 FAB Rewards for every 1,000 daily steps in STEPPI (min 6,000 steps, capped at 10,000 steps/day)
FIRST ABU DHABI BANK (FAB)
FAB ADNOC Rewards Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 15% back on ADNOC fuel spending
- 3% back on SALIK, DARB and Mawaqif
- 2% back on international spending
Related Collections
