FAB Etihad Guest Signature Credit Card
A travel credit card by FAB earning up to 0.55 miles/AED on travel and 0.45 miles/AED internationally.
AED 1,575.00
Up to 0.55 miles/AED
AED 15,000
3.76%
This card also has an Islamic/Sharia-compliant version (FAB Islamic Etihad Guest Signature Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international travel and Etihad flights each month.
Not ideal if
You mainly spend on dining, groceries, or domestic purchases with little travel.
Watch out for
AED 1,575 annual fee is not waivable and requires strong travel spend.
Calculate This Card’s Value
Earning Rates
0.275 miles/AED
0.45 miles/AED
0.55 miles/AED
0.15 miles/AED
0.15 miles/AED
0.15 miles/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.55 miles per AED on travel bookings with no cap.
0.45 miles per AED on all international purchases with no cap.
Welcome bonus of up to 70,000 miles with AED 50,000 spend.
Includes Etihad Silver Tier status and lounge access perks.
Watch out for
AED 1,575 annual fee with no waiver option.
Groceries, education, and utilities earn only 0.15 miles per AED.
3.76% foreign exchange markup reduces value on international spend.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,575 annual fee is worth it if you spend heavily on travel and international purchases. If you mainly use the card for domestic groceries or dining, the low earn rates on those categories won't offset the fee.
How does the welcome bonus work?
You receive 35,000 joining miles when you pay the annual fee, plus another 35,000 bonus miles if you spend AED 50,000 within 90 days. The total welcome bonus is 70,000 miles if you meet the spend target.
Can I use this card abroad?
Yes, the card earns 0.45 miles per AED on all international purchases. However, a 3.76% foreign exchange markup applies, which reduces the net value of your miles.
Does this card earn on school or university fees?
Yes, education spending earns 0.15 miles per AED. This is lower than the travel and international rates, so it's not a strong category for this card.
What is the minimum salary requirement?
You need a minimum monthly salary of AED 15,000 to be eligible for the FAB Etihad Guest Signature Credit Card.