ADIB Etihad Guest Visa Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by ADIB earning up to 0.75 points per AED on international spend and 0.55 points per AED elsewhere.
AED 2,100.00
Up to 0.75 pts/AED
AED 15,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international travel and fly Etihad regularly for work or leisure.
Not ideal if
You spend mostly domestically or prefer cashback over airline miles and travel perks.
Watch out for
AED 2,100 annual fee is not waivable and requires high spend to justify.
Calculate This Card’s Value
Earning Rates
0.55 pts/AED
0.75 pts/AED
0.25 pts/AED
0.25 pts/AED
0.25 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.75 Etihad Guest Miles per AED on international spend with no cap.
50,000 welcome miles after first purchase within 30 days.
Etihad Gold tier status, companion ticket, lounge access, and valet parking included.
Sharia-compliant structure for customers seeking Islamic finance products.
Watch out for
AED 2,100 annual fee with no waiver option available.
Only 0.25 miles per AED on groceries, utilities, and education spend.
Requires AED 15,000 minimum monthly salary to qualify for the card.
Fees & Conditions
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Frequently Asked Questions
Is the AED 2,100 annual fee worth it?
It depends on your travel habits. If you fly Etihad regularly and spend heavily on international purchases, the 0.75 miles per AED abroad, Etihad Gold status, companion ticket, and lounge access can offset the fee. For light spenders or infrequent travelers, the fee will likely exceed the value.
How does the welcome bonus work?
You receive 50,000 Etihad Guest Miles after making your first purchase within 30 days of card approval. This bonus can help offset the first year's annual fee if redeemed for flights.
Can I use this card abroad?
Yes, and international spend is where this card shines, earning 0.75 Etihad Guest Miles per AED. However, a 3.45% foreign exchange markup applies to all transactions in foreign currency.
Does this card earn on school or university fees?
Yes, education spend earns 0.25 Etihad Guest Miles per AED. This is lower than the 0.55 miles per AED baseline rate, so it is not a strong category for this card.
What is the minimum salary to qualify?
You need a minimum monthly salary of AED 15,000 to be eligible for the ADIB Etihad Guest Visa Platinum Islamic Credit Card.