Emirates Islamic Etihad Guest Premium Credit Card (Premium Option) Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 3.5 miles/USD on travel and 3 miles/USD internationally.
AED 2,625.00
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 heavily on international travel and fly Etihad regularly.
Not ideal if
You spend mostly on domestic purchases or rarely use premium travel perks.
Watch out for
AED 2,625 annual fee is not waivable regardless of spend.
Calculate This Card’s Value
Earning Rates
3.5 miles/USD
3 miles/USD
2 miles/USD
0.3 miles/USD
0.3 miles/USD
0.3 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 3.5 miles per USD on travel with no cap.
Earns 3 miles per USD on international spend with no cap.
Includes Etihad Gold Tier status and lounge access.
Sharia-compliant card with premium travel perks.
Watch out for
AED 2,625 annual fee with no waiver option.
Very low 0.3 miles per USD on groceries, education, and utilities.
Requires AED 15,000 minimum monthly salary to qualify.
Fees & Conditions
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Frequently Asked Questions
Is the AED 2,625 annual fee worth it?
It depends on your travel spend. If you spend heavily on travel and international purchases, the 3.5 and 3 miles per USD rates, plus Etihad Gold Tier and lounge access, can justify the fee. If you spend mostly domestically, the fee will likely exceed the value.
How many miles do I earn on groceries and education?
You earn only 0.3 miles per USD on groceries, education, and utilities. These categories are not the card's strength; focus on travel and international spend for better earning.
What is the welcome bonus?
You receive 55,000 Etihad Guest miles as a welcome bonus with no minimum spend requirement.
Can I use this card abroad?
Yes, and you earn 3 miles per USD on international spend. However, there is a 3.49% foreign exchange markup on transactions in currencies other than AED.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 15,000 to qualify for this card.