# Etihad Guest

Source: https://kredit.ae/loyalty/etihad-guest

Etihad Airways' loyalty programme, earned directly through ADCB, FAB, ENBD and Emirates Islamic co-branded cards — compare tiers and convert your Miles balance to AED.

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.

## How it works

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.

## Tiers

- **FAB Etihad Guest Platinum** — minimum salary AED 8,000. Entry tier — lowest salary requirement for a direct Etihad Guest earner
- **Emirates Islamic Etihad Guest Saqer** — minimum salary AED 12,000. Sharia-compliant signature-tier earn with lounge access and golf
- **FAB Etihad Guest Signature** — minimum salary AED 15,000. Mid-tier Etihad Miles earn with travel benefits
- **ADCB Etihad Guest Infinite** — minimum salary AED 40,000. Top tier — 60,000 welcome Miles plus the highest earn rate across the catalog

## Redemption

Etihad Guest Miles redeem for Etihad award flights, cabin upgrades and partner-airline travel — typically worth around AED 0.044/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.

## Why choose Etihad Guest

### Four issuers, one programme

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).

### Welcome bonuses can clear the first-year fee

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.

### 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.

## Frequently asked questions

### How much is an Etihad Guest Mile worth in AED?

On Etihad award flights and upgrades, an Etihad Guest Mile is typically worth around AED 0.044. Via the lower-value cash redemption, it's worth about half that, around AED 0.025. Use the [miles-to-AED calculator](https://kredit.ae/credit-cards/calculators/miles-to-aed) to check your actual balance.

### Which UAE credit card earns the most Etihad Guest Miles?

ADCB Etihad Guest Infinite is the top tier (AED 40,000+ salary) with the highest earn rate and a 60,000-Mile welcome bonus. FAB Etihad Guest Platinum is the most accessible entry point at AED 8,000 salary.

### Etihad Guest or Emirates Skywards — which should I pick?

Match the card to the airline you fly. A Skywards Mile only pays off well on Emirates/flydubai flights; an Etihad Guest Mile only pays off well on Etihad flights. See the [Skywards vs Etihad Guest comparison](https://kredit.ae/credit-cards/compare/adcb-etihad-guest-infinite-credit-card-vs-enbd-skywards-infinite-credit-card) for a full breakdown.

### Is there a free way to earn Etihad Guest Miles?

No — unlike some other UAE loyalty cards, every direct Etihad Guest co-brand card carries an annual fee. FAB Etihad Guest Platinum (AED 8,000+ salary) is the lowest-fee entry point across the four issuers.

### Can I transfer Etihad Guest Miles to Emirates Skywards, or vice versa?

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.

### Where can I check my Etihad Guest Miles balance?

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.