Etihad Guest is Etihad Airways' loyalty programme, earned directly through ADCB, FAB, ENBD and Emirates Islamic co-branded cards spanning salary tiers from AED 8,000 to AED 40,000+.
As with any airline programme, what your balance is actually worth depends on how you redeem it — flights and upgrades pay roughly double the lower-value cash-statement option, and only make sense if Etihad is an airline you actually fly.

Etihad Guest is Etihad Airways' frequent-flyer programme, with UAE co-brand cards issued by four banks — ADCB, 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 2,625 | AED 40,000+ | Top tier — 60,000 welcome Etihad Guest Miles plus high earn rate on Etihad and international spend |
![]() | AED 899 | AED 12,000+ | Emirates Islamic Etihad Guest Saqer — signature-tier Etihad Miles with lounge access and golf |
![]() | Premium | AED 30,000+ | FAB's top Etihad Infinite — Visa Infinite benefits plus Etihad Miles bonus on Etihad spend |
![]() | Paid | AED 15,000+ | Mid-tier FAB Etihad Guest — Etihad Miles earn at signature salary |
![]() | Paid | AED 8,000+ | Entry FAB Etihad Guest — lowest salary tier with Etihad Miles earning |
![]() | Paid | AED 20,000+ | Sharia-compliant Etihad Guest with premium-tier earn rate |
![]() | Paid | AED 12,000+ | Sharia-compliant entry Etihad Guest tier from AED 12,000 |
![]() | 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 2,625 | AED 40,000+ | Top tier — 60,000 welcome Etihad Guest Miles plus high earn rate on Etihad and international spend |
![]() | AED 899 | AED 12,000+ | Emirates Islamic Etihad Guest Saqer — signature-tier Etihad Miles with lounge access and golf |
![]() | Premium | AED 30,000+ | FAB's top Etihad Infinite — Visa Infinite benefits plus Etihad Miles bonus on Etihad spend |
![]() | Paid | AED 15,000+ | Mid-tier FAB Etihad Guest — Etihad Miles earn at signature salary |
![]() | Paid | AED 8,000+ | Entry FAB Etihad Guest — lowest salary tier with Etihad Miles earning |
![]() | Paid | AED 20,000+ | Sharia-compliant Etihad Guest with premium-tier earn rate |
![]() | Paid | AED 12,000+ | Sharia-compliant entry Etihad Guest tier from AED 12,000 |
![]() | AED 1,575 | AED 30,000+ | ENBD Etihad Guest with Visa Elevate benefits and lounge access |

ADCB Etihad Guest Infinite Credit Card

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

Emirates Islamic Etihad Guest Saqer Credit Card

ENBD Etihad Guest Visa Elevate Credit Card
Program
Etihad Guest Miles
2,500AED
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.
Etihad Guest Miles redeem for Etihad award flights, cabin upgrades and partner-airline travel — typically worth around AED 0.05/mile at that rate. The lower-value cash-statement redemption via Etihad Guest returns about half that (~AED 0.025/mile). As with Skywards, that higher value only holds if you actually fly Etihad; otherwise, treat your balance as worth closer to the cash rate.
ADCB, FAB, ENBD and Emirates Islamic all issue Etihad Guest co-brand cards — more salary-tier choice than any single-bank programme, from AED 8,000 (FAB Platinum) to AED 40,000+ (ADCB Infinite).
Top-tier cards like ADCB Etihad Guest Infinite include large welcome Mile offers (60,000 Miles) that, redeemed on flights, can be worth more than the annual fee in year one.
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)
ABU DHABI COMMERCIAL BANK (ADCB)
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