Etihad Guest is Etihad Airways' loyalty programme, earned directly through FAB, ENBD and Emirates Islamic co-branded cards across several salary tiers.
As with any airline programme, what your balance is actually worth depends on how you redeem it — the itinerary, taxes and available rewards determine how useful a balance is to you.

Etihad Guest is Etihad Airways' frequent-flyer programme, with UAE co-brand cards issued by FAB, ENBD and Emirates Islamic. Like Skywards, cards credit Etihad Guest Miles directly to your account based on spend; the number that matters isn't the headline earn rate alone, it's what those Miles are actually worth once you redeem them.
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| 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 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 |
Emirates Islamic Etihad Guest Saqer Credit Card
FAB Etihad Guest Infinite Credit Card
FAB Etihad Guest Signature Credit Card
FAB Etihad Guest Platinum Credit Card
Emirates Islamic Etihad Guest Premium Credit Card
ENBD Etihad Guest Visa Elevate Credit Card
Reviewed routes are grouped by what actually happens: converting another rewards currency or moving an existing balance between linked loyalty accounts.
Bank and partner rewards become a different currency. The final rate combines every reviewed step in the route.
| Rewards route | Transfer type | Final rate |
|---|---|---|
| AIF Rewards | Points conversionDirect | 1 point → 0.0908 Etihad Guest Miles |
| EI SmartMiles | Points conversionDirect | 1 mile → 0.15 Etihad Guest Miles |
| ENBD Plus Points | Points conversionDirect | 1 point → 10 Etihad Guest Miles |
| FAB Rewards | Points conversionDirect | 12 points → 1 Etihad Guest Mile |
| Marriott Bonvoy Points | Points conversionDirect | 3 points → 1 mile |
| Mashreq Vantage Points | Points conversionDirect | 22 points → 1 Etihad Guest Mile |
| Rewards route | Transfer type | Final rate |
|---|---|---|
| AIF Rewards | Points conversionDirect | 1 point → 0.0908 Etihad Guest Miles |
| EI SmartMiles | Points conversionDirect | 1 mile → 0.15 Etihad Guest Miles |
| ENBD Plus Points | Points conversionDirect | 1 point → 10 Etihad Guest Miles |
| FAB Rewards | Points conversionDirect | 12 points → 1 Etihad Guest Mile |
| Marriott Bonvoy Points | Points conversionDirect | 3 points → 1 mile |
| Mashreq Vantage Points | Points conversionDirect | 22 points → 1 Etihad Guest Mile |
Program
Etihad Guest Miles
2,204AED
50,000 miles via Etihad Guest flights & upgrades
Redeem for Etihad Guest award flights, cabin upgrades and partner airline travel
Based on the issuer’s published redemption rate; catalogue pricing and availability can still vary.
Redeem Etihad Guest Miles for available flights, upgrades and programme rewards. The required miles, taxes and availability depend on the itinerary. Kredit’s comparison basis is explained on the methodology page.
FAB, ENBD and Emirates Islamic offer Etihad Guest co-brand cards across several salary tiers, starting with FAB Platinum at AED 8,000.
Search the dates and cabin you need before choosing a card for its welcome miles. Taxes and reward-seat availability affect the result.
Etihad Guest and Skywards earn at broadly comparable rates at equivalent salary tiers — the deciding factor should be which airline you actually fly, not which card's headline rate is marginally higher.
Etihad Guest credit cards
FIRST ABU DHABI BANK (FAB)
EMIRATES ISLAMIC
FIRST ABU DHABI BANK (FAB)
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