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Etihad Guest

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.

Compare all Etihad Guest cards
A commercial aircraft climbing over the Abu Dhabi Corniche skyline at golden hour

How Etihad Guest works

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.

The Etihad Guest card ladder

A side-by-side snapshot of annual fees, salary requirements, and standout benefits.

CardAnnual feeMin. salaryWhy it stands out
Emirates Islamic Etihad Guest Saqer Credit Card
Emirates Islamic Etihad Guest Saqer Credit Card
AED 943.95AED 12,000Emirates Islamic Etihad Guest Saqer — signature-tier Etihad Miles with lounge access and golf
FAB Etihad Guest Infinite Credit Card
FAB Etihad Guest Infinite Credit Card
AED 2,625AED 30,000FAB's top Etihad Infinite — Visa Infinite benefits plus Etihad Miles bonus on Etihad spend
FAB Etihad Guest Signature Credit Card
FAB Etihad Guest Signature Credit Card
AED 1,575AED 15,000Mid-tier FAB Etihad Guest — Etihad Miles earn at signature salary
FAB Etihad Guest Platinum Credit Card
FAB Etihad Guest Platinum Credit Card
AED 525AED 8,000Entry FAB Etihad Guest — lowest salary tier with Etihad Miles earning
Emirates Islamic Etihad Guest Premium Credit Card
Emirates Islamic Etihad Guest Premium Credit Card
AED 2,625AED 20,000Sharia-compliant Etihad Guest with premium-tier earn rate
ENBD Etihad Guest Visa Elevate Credit Card
ENBD Etihad Guest Visa Elevate Credit Card
AED 1,575AED 30,000ENBD Etihad Guest with Visa Elevate benefits and lounge access
CardAnnual feeMin. salaryWhy it stands out
Emirates Islamic Etihad Guest Saqer Credit Card
Emirates Islamic Etihad Guest Saqer Credit Card
AED 943.95AED 12,000Emirates Islamic Etihad Guest Saqer — signature-tier Etihad Miles with lounge access and golf
FAB Etihad Guest Infinite Credit Card
FAB Etihad Guest Infinite Credit Card
AED 2,625AED 30,000FAB's top Etihad Infinite — Visa Infinite benefits plus Etihad Miles bonus on Etihad spend
FAB Etihad Guest Signature Credit Card
FAB Etihad Guest Signature Credit Card
AED 1,575AED 15,000Mid-tier FAB Etihad Guest — Etihad Miles earn at signature salary
FAB Etihad Guest Platinum Credit Card
FAB Etihad Guest Platinum Credit Card
AED 525AED 8,000Entry FAB Etihad Guest — lowest salary tier with Etihad Miles earning
Emirates Islamic Etihad Guest Premium Credit Card
Emirates Islamic Etihad Guest Premium Credit Card
AED 2,625AED 20,000Sharia-compliant Etihad Guest with premium-tier earn rate
ENBD Etihad Guest Visa Elevate Credit Card
ENBD Etihad Guest Visa Elevate Credit Card
AED 1,575AED 30,000ENBD Etihad Guest with Visa Elevate benefits and lounge access
Emirates Islamic Etihad Guest Saqer Credit Card

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

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

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

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

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

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
Full comparison →

Ways to transfer into Etihad Guest

Reviewed routes are grouped by what actually happens: converting another rewards currency or moving an existing balance between linked loyalty accounts.

Convert rewards into Etihad Guest

Bank and partner rewards become a different currency. The final rate combines every reviewed step in the route.

Rewards routeTransfer typeFinal 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 routeTransfer typeFinal 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

What your Etihad Guest balance is worth

What your points are worth

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.

Why Etihad Guest cards are worth it

1.

Three issuers, one programme

FAB, ENBD and Emirates Islamic offer Etihad Guest co-brand cards across several salary tiers, starting with FAB Platinum at AED 8,000.

2.

Check reward availability for your trip

Search the dates and cabin you need before choosing a card for its welcome miles. Taxes and reward-seat availability affect the result.

3.

Pick by airline, not by headline rate

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

FAB Etihad Guest Platinum Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Etihad Guest Platinum Credit Card

  • Salary: AED 8,000+
  • Annual Fee: AED 525
  • Welcome Bonus: 10,000 Miles
  • Up to 4 Etihad Miles per AED 10
  • 2 airport transfers from AED 40
ExploreLearn more about FAB Etihad Guest Platinum Credit Card credit card benefits and featuresApplyApply for FAB Etihad Guest Platinum Credit Card credit card
Emirates Islamic Etihad Guest Saqer Credit Card Design
LIMITED OFFER

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
ExploreLearn more about Emirates Islamic Etihad Guest Saqer Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Etihad Guest Saqer Credit Card credit card
FAB Etihad Guest Signature Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Etihad Guest Signature Credit Card

  • Salary: AED 15,000+
  • Annual Fee: AED 1,575
  • Bonus: 35,000 Etihad Miles
  • 5.5 Etihad Miles per AED 10 with Etihad
  • Fast track to Etihad Silver membership.
ExploreLearn more about FAB Etihad Guest Signature Credit Card credit card benefits and features

Etihad Guest — FAQ

Get answers to common questions about credit cards, applications, and managing your finances in the UAE

A mile has no fixed flight value. Compare the cash fare with the miles and taxes required for your trip, and use the miles calculator for the published comparison benchmark.

ENBD's Etihad Guest Visa Elevate earns the highest published rate among current cards — 10 Etihad Guest Miles per AED 10 on Etihad spend, for an AED 1,575 annual fee. FAB's Etihad Guest Infinite earns 7 per AED 10 on Etihad and partner spend for a higher AED 2,625 fee. FAB Etihad Guest Platinum remains the most accessible entry point at an AED 8,000 salary.

Match the card to the airline you fly. A Skywards Mile works best on Emirates/flydubai flights; an Etihad Guest Mile works best on Etihad flights. Recurring annual fees on the current Etihad Guest cards range from AED 1,575 (ENBD Etihad Guest Visa Elevate) to AED 2,625 (FAB Etihad Guest Infinite).

Direct Etihad Guest co-brand cards generally carry an annual fee. FAB Etihad Guest Platinum is the lowest-fee entry point at AED 525.

No — the two programmes are entirely separate loyalty currencies with no direct transfer path between them. Each co-brand card credits Miles only to its own programme, so pick the card that matches the airline you actually fly.

Through the Etihad Guest website or app once your co-branded card is linked to your membership number — Miles typically post to your account within a few days of your card statement closing.

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