FAB Islamic Etihad Guest Platinum Credit Card Sharia-compliant
A Sharia-compliant travel credit card by FAB Islamic earning up to 0.7 miles/AED on groceries and 0.4 miles/AED on travel.
AED 525.00
Up to 0.7 miles/AED
AED 8,000
3.76%
This card also has a conventional version (FAB Etihad Guest Platinum Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on groceries and travel, earn AED 8,000+ monthly, and value Etihad miles.
Not ideal if
You prefer cashback, rarely fly, or have high education and utility expenses.
Watch out for
AED 525 annual fee is not waivable and 3.76% FX markup reduces international value.
Calculate This Card’s Value
Earning Rates
0.2 miles/AED
0.35 miles/AED
0.4 miles/AED
0.0015 miles/AED
0.7 miles/AED
0.0015 miles/AED
Key Strengths and Weaknesses
Strengths
Earns 0.7 miles/AED on groceries, the highest rate on the card.
10,000 Etihad Guest Miles welcome bonus on card activation.
Sharia-compliant structure for customers seeking Islamic banking products.
0.4 miles/AED on travel and 0.35 miles/AED on international spend.
Watch out for
AED 525 annual fee with no waiver option.
Education and utilities earn only 0.0015 miles/AED, nearly negligible.
3.76% FX markup reduces value on foreign currency transactions.
Fees & Conditions
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Frequently Asked Questions
Is the AED 525 annual fee worth it?
It depends on your grocery and travel spend. If you spend AED 3,000 or more monthly on groceries and travel combined, the miles earned can justify the fee, especially with the 10,000 welcome miles. Otherwise, the fee may outweigh the rewards.
How many Etihad Guest Miles do I earn on groceries?
You earn 0.7 miles per AED spent on groceries, the card's highest earn rate. For example, AED 2,000 in grocery spend earns 1,400 miles.
Can I use this card abroad?
Yes, international spend earns 0.35 miles/AED. However, the 3.76% FX markup applies to all foreign currency transactions, which reduces the net value of your rewards.
Does this card earn miles on school or university fees?
Yes, but the earn rate is only 0.0015 miles/AED on education spend, which is very low. For example, AED 10,000 in school fees earns just 15 miles.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 8,000 to be eligible for this card.