Emirates Islamic Etihad Guest Ameera Credit Card Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 3 miles/USD on travel and 2 miles/USD internationally.
AED 733.95
Up to 3 miles/USD
AED 10,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 5,000+ monthly on international travel and fly Etihad regularly.
Not ideal if
You spend mostly on domestic groceries, utilities, or education with low travel.
Watch out for
AED 733.95 annual fee is not waivable and requires strong travel spend to justify.
Calculate This Card’s Value
Earning Rates
3 miles/USD
2 miles/USD
1.5 miles/USD
0.3 miles/USD
0.3 miles/USD
0.3 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 3 miles per USD on travel and 2 miles per USD internationally.
20,000 Etihad Guest Miles welcome bonus upon paying the annual fee.
Includes Etihad Silver Tier status, lounge access, and airport transfers.
Sharia-compliant structure for customers seeking Islamic finance products.
Watch out for
AED 733.95 annual fee with no waiver option available.
Groceries, utilities, and education earn only 0.3 miles per USD.
Requires AED 10,000 minimum monthly salary to qualify.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 733.95 annual fee is worth it if you spend heavily on international travel and fly Etihad regularly. The 20,000 welcome miles and Etihad Silver Tier status help offset the cost, but domestic spenders will struggle to justify the fee.
How many miles do I earn on travel and international purchases?
You earn 3 Etihad Guest Miles per USD spent on travel and 2 miles per USD on international purchases. All other spending earns 1.5 miles per USD, while groceries, utilities, and education earn 0.3 miles per USD.
Can I use this card abroad?
Yes, the card works internationally and earns 2 miles per USD on foreign purchases. The 3.49% foreign exchange markup applies to all international transactions.
What is the welcome bonus?
You receive 20,000 Etihad Guest Miles upon payment of the annual membership fee. There is no additional spending requirement to unlock the bonus.
Does this card earn on school or university fees?
Yes, but education spending earns only 0.3 miles per USD, the same low rate as groceries and utilities. This card is not designed for education spend.