ADIB Etihad Guest Visa Gold Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by ADIB earning up to 0.375 points per AED on international spend and 35,000 welcome miles.
AED 1,050.00
Up to 0.375 pts/AED
AED 5,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You fly Etihad regularly and spend heavily on international purchases each month.
Not ideal if
You spend mostly within the UAE or prefer cashback over airline miles.
Watch out for
AED 1,050 annual fee is not waivable, requiring strong travel usage to justify.
Calculate This Card’s Value
Earning Rates
0.25 pts/AED
0.375 pts/AED
0.125 pts/AED
0.125 pts/AED
0.125 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.375 points per AED on international spend with no cap.
35,000 Etihad Guest Miles welcome bonus after first purchase within 30 days.
Includes Etihad Silver Tier status, companion ticket, and lounge access.
Sharia-compliant Islamic credit card for customers seeking halal banking.
Watch out for
AED 1,050 annual fee with no waiver option available.
Low earn rates on groceries, utilities, and education at 0.125 points per AED.
Baseline 0.25 points per AED on all other spends is modest.
Fees & Conditions
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Frequently Asked Questions
Is the AED 1,050 annual fee worth it?
It depends on your travel habits. If you fly Etihad frequently and spend heavily on international purchases, the 0.375 points per AED, Etihad Silver Tier status, companion ticket, and 35,000 welcome miles can justify the fee. If you travel rarely or spend mostly within the UAE, the fee will be hard to recover.
How does the welcome bonus work?
You receive 35,000 Etihad Guest Miles after making your first purchase within 30 days of card approval. This bonus can help offset the annual fee and accelerate your path to award flights.
What earn rate do I get on international spend?
You earn 0.375 points per AED on all international transactions with no cap. This is the card's strongest earning category and is ideal for frequent travelers.
Does this card earn points on school or university fees?
Yes, education spend earns 0.125 points per AED. This rate is lower than international spend but still allows you to accumulate miles on tuition and school fees.
Can I use this card abroad without high fees?
The card has a 3.45% foreign exchange markup on international transactions. While you earn 0.375 points per AED abroad, the FX fee reduces net value, so factor this into your calculations when spending overseas.