Emirates Islamic Etihad Guest Premium Credit Card (Base Option) Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 3.5 miles per USD on travel and 3 miles per USD internationally.
AED 1,575.00
Up to 3.5 miles/USD
AED 15,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000 monthly on international travel and education, and fly Etihad regularly.
Not ideal if
You spend mainly on dining, groceries, or utilities with minimal international travel.
Watch out for
AED 1,575 annual fee is non-waivable and requires strong travel perk usage to justify.
Calculate This Card’s Value
Earning Rates
3.5 miles/USD
3 miles/USD
3 miles/USD
2 miles/USD
0.3 miles/USD
0.3 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 3.5 miles per USD on travel and 3 miles per USD on international spend.
Includes Etihad Gold tier status, lounge access, and airport transfer perks.
25,000 Etihad Guest miles welcome bonus with no minimum spend requirement.
Sharia-compliant card with strong education spend earning at 3 miles per USD.
Watch out for
AED 1,575 annual fee is non-waivable and requires high travel usage to offset.
Groceries and utilities earn only 0.3 miles per USD, far below travel rates.
AED 15,000 minimum salary requirement limits eligibility for many applicants.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,575 annual fee is non-waivable, so you need to use the Etihad Gold tier, lounge access, airport transfers, and earn strong miles on travel and international spend to justify the cost. If you fly Etihad regularly and spend around AED 10,000 monthly on travel and education, the perks and earning can offset the fee.
How many miles do I earn on travel and international spend?
You earn 3.5 miles per USD on travel, 3 miles per USD on international spend, and 3 miles per USD on education. All other spending earns 2 miles per USD, while groceries and utilities earn only 0.3 miles per USD.
Does this card earn on school or university fees?
Yes, education spending earns 3 miles per USD, making this card a strong choice if you pay tuition or other education fees regularly.
What is the welcome bonus?
You receive 25,000 Etihad Guest miles as a welcome bonus with no minimum spend requirement, which can be redeemed for flights or upgrades with Etihad.
Can I use this card abroad?
Yes, you can use it internationally and earn 3 miles per USD on international transactions. However, a 3.49% foreign exchange markup applies to all non-AED purchases.