Lifestyle
Merchant
Careem Plus
Enjoy free ride benefits.
Valid until 31 Jul 2026
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.
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 15,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. FAB Etihad Guest Signature Credit Card expects AED 15,000+ 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 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
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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
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Lifestyle
Merchant
Talabat
Savor discounts on meal orders.
Valid until 31 Jul 2026
Lifestyle
Merchant
Cartlow
Enjoy discounts while shopping.
Valid until 1 Aug 2026
Lifestyle
Merchant
The Bicester Collection
Save while you shop.
Valid until 31 Aug 2026
Additional Benefits
Airport lounge access
Complimentary worldwide lounge access.
Complimentary access to airport lounges worldwide via Visa Airport Companion for the cardholder.
See full breakdownDiscounted airport transfers
Discounted airport transfers each year.
Discounted 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 breakdownEligibility
21
Minimum Age
15,000AED
Minimum Income
Fees
1,500AED
Joining Fee
1,500AED
Annual Fee
3.25%
Monthly Interest Rate
3.25% per month (39.00% per annum).
Late Payment FeeAED 230*
*Charged if the minimum payment due is not received by the payment due date.
Over Limit FeeAED 275*
*Charged when the balance exceeds the credit limit.
Cash Advance Fee3%*
*3% of the cash advance amount or AED 99, whichever is higher.
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.
Card ReplacementAED 78.75
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.
International Transactions2.61%*
*2.61% of the transaction value plus applicable Visa/Mastercard scheme charges. Not applicable on FAB Travel Card (bank and scheme charges) and Low-Rate Credit Card (bank charges).
Late PaymentAED 241.5*
*Charged if the minimum payment is not received by the due date.
Over-LimitAED 302.4*
*Charged when the outstanding balance exceeds the approved credit limit.
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
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