ADIB Etihad Guest Visa Infinite Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by ADIB earning up to 0.875 points per AED on travel and international spend.
AED 3,150.00
Up to 0.875 pts/AED
AED 25,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international travel and earn at least AED 50,000 monthly.
Not ideal if
You spend mainly on domestic purchases, groceries, utilities, or education categories.
Watch out for
AED 3,150 annual fee is non-waivable and requires strong travel spend to justify.
Calculate This Card’s Value
Earning Rates
0.875 pts/AED
0.875 pts/AED
0.625 pts/AED
0.25 pts/AED
0.25 pts/AED
0.25 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.875 points per AED on travel and international spend with no cap.
Welcome bonus of up to 100,000 Etihad Guest miles within 90 days.
Premium travel perks including companion ticket, lounge access, and tier status.
Sharia-compliant structure for customers seeking Islamic finance products.
Watch out for
AED 3,150 annual fee with no waiver option available.
Requires AED 50,000 minimum monthly salary, limiting eligibility significantly.
Groceries, utilities, and education earn only 0.25 points per AED.
Fees & Conditions
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Frequently Asked Questions
Is the AED 3,150 annual fee worth it?
It depends on your travel spend. If you spend heavily on international travel and use perks like companion tickets, lounge access, and tier status, the fee can be justified. Without significant travel spend, the fee is difficult to offset given the lower earn rates on domestic categories.
How does the welcome bonus work?
You earn 75,000 Etihad Guest miles when you activate the card within 30 days, plus an additional 25,000 miles after spending AED 60,000 within 90 days. That's up to 100,000 miles total to accelerate your award travel.
What is the minimum salary required for this card?
You need a minimum monthly salary of AED 25,000 to apply, though the performance data suggests AED 50,000 monthly income is needed to extract meaningful value from the card.
Can I use this card abroad?
Yes, and it earns 0.875 points per AED on international spend. However, the 3.45% foreign exchange markup applies to all foreign currency transactions, which reduces net value.
Does this card earn on school or university fees?
Yes, but education spending earns only 0.25 points per AED, the same low rate as groceries and utilities. This card is designed for travel, not everyday domestic categories.