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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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FAB Etihad Guest Signature Credit Card
Joining Fee
Free
Annual Fee
AED 1,575
Minimum Salary
AED 15,000

FAB Etihad Guest Signature Credit Card

Earn Etihad Guest Miles on eligible spending with lounge access, discounted transfers and golf offers.

Updated Sep 2026

≈ AED 11,004 potential value / year · incl. perks · incl. welcome bonus
WebsiteVisit FAB Etihad Guest Signature Credit Card credit card website

At a glance

Welcome offer

Welcome bonus
35,000 Etihad Guest Miles

Rewards

CategoryEarnRate
Etihad Airways
0.55 miles per AED
2.42%

0.55 miles per AED

International
0.45 miles per AED
1.98%

0.45 miles per AED

Grocery, Utilities +4 more
0.15 miles per AED
0.66%

0.15 miles per AED

All other spend
0.275 miles per AED
1.21%

0.275 miles per AED

CategoryEarnRate
Etihad Airways
0.55 miles per AED
2.42%

0.55 miles per AED

International
0.45 miles per AED
1.98%

0.45 miles per AED

Grocery, Utilities +4 more
0.15 miles per AED
0.66%

0.15 miles per AED

All other spend
0.275 miles per AED
1.21%

0.275 miles per AED

Total rewards capped at 30,000 miles a month

See all rewards

Fees and eligibility

Joining FeeFree
Annual FeeAED 1,575
Minimum SalaryAED 15,000
Monthly Interest Rate
3.99%
International Transaction Fee (non-AED)
2.61%
See all fees

Top benefits

Airport loungeIncluded
Airport transfers2/year
Cinema4/month
See all benefits

Welcome offer

35,000 Etihad Guest Miles

Joining miles after activation and annual-fee payment.

FAB credits 35,000 joining miles after card activation and payment of the first annual fee; no retail-spend threshold applies.

See full breakdown

Rewards

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 breakdown

4.5Etihad Guest Miles

per AED 10 on international spend.

Earn 4.5 Etihad Guest Miles per AED 10 on international (non-AED) spend.

See full breakdown

2.75Etihad Guest Miles

per AED 10 on other spend.

Earn 2.75 miles per AED 10 on general domestic spend and 1.5 on named reduced categories. Monthly earned miles are capped at 30,000.

See full breakdown

1.5Etihad Guest Miles

per AED 10 on named reduced categories.

Supermarkets, utilities, fuel, transport, education and government purchases earn 1.5 miles per AED 10 under FAB's card FAQ.

See full breakdown

Rewards 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.

Open My Cards

Eligibility

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.

October 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.

See all
ENBD noon One Visa Credit Card Design
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
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER
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
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

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
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Offers

See all 220
Lifestyle

Merchant

Medcare Hospitals and Clinics

Medcare Hospitals and Clinics - 20% off

Valid until 30 Oct 2026
View offer
Lifestyle

Merchant

Wellth

20% off all Wellth Services

Valid until 30 Oct 2026
View offer
Lifestyle

Merchant

Wellth

Wellth - 20% off all Wellth Services

Valid until 30 Oct 2026
View offer
Lifestyle

Merchant

Sweat and Go

25% cashback on fitness sessions

Valid until 4 Nov 2026
View offer

Additional Benefits

Airport lounge access

Complimentary worldwide lounge access.

Complimentary access to airport lounges worldwide via Visa Airport Companion for the cardholder.

See full breakdown

Discounted airport transfers

Discounted airport transfers each year.

Two discounted intra-city airport transfers yearly from AED 40 each.

See full breakdown

Golf discounts

Discounts at selected golf courses.

FAB advertises golf discounts at selected courses, without complimentary rounds.

See full breakdown

Fees

Free

Joining Fee

1,575AED

Annual Fee

3.99%

Monthly Interest Rate

3.99% per month (47.88% per annum).

International Transaction Fee (non-AED)2.61%*

*2.61% of the transaction amount for non-AED spend, plus applicable Visa/Mastercard scheme charges.

Foreign Currency Transaction Fee (AED abroad)2.61%*

*2.61% on foreign-currency transactions settled in AED abroad.

Supplementary CardFree*

*Complimentary.

Credit Shield1.04%*

*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

Schedule of Charges

Opens in a new tab

Etihad Guest Cards FAQ

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about FAB Etihad Guest Signature Credit Card credit card

5.5 miles per AED 10 on direct Etihad and partner spend, 4.5 internationally, 2.75 on general domestic spend and 1.5 on named reduced categories. Monthly earned miles are capped at 30,000.

Unlimited advertised lounge access, two discounted airport transfers yearly from AED 40 and golf discounts.

FAB lists AED 1,575 as the annual membership fee, charged about one month after opening; no separate joining fee or first-year waiver is published in current terms.

New cardholders receive 35,000 joining miles after activation and payment of the first annual fee.

FAB lists a minimum monthly salary of AED 15,000, and the card is only available to applicants above the age of 21.

Yes. Alongside earning Etihad Guest Miles on every purchase, the card comes with a fast track to Etihad Guest Silver membership, giving cardholders a route toward elevated status with the airline.

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