Emirates Islamic Etihad Guest Ameera Credit Card Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 3 miles per USD on travel and 2 miles per USD internationally.
AED 733.95
Up to 3 miles/USD
AED 10,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 5,000 or more monthly on international travel and overseas purchases.
Not ideal if
You spend mainly on domestic groceries, utilities, or education with low travel activity.
Watch out for
Annual fee of AED 733.95 is not waivable and requires strong travel spend to justify.
Calculate This Card’s Value
Earning Rates
3 miles/USD
2 miles/USD
1.5 miles/USD
0.3 miles/USD
0.3 miles/USD
0.3 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 3 miles per USD on travel and 2 miles per USD on international spend.
20,000 Etihad Guest Miles welcome bonus upon paying the annual fee.
Etihad Silver Tier status, lounge access, and airport transfer perks included.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
Annual fee of AED 733.95 is not waivable regardless of spend.
Groceries, utilities, and education earn only 0.3 miles per USD.
3.49% foreign exchange markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 733.95 annual fee is worth it if you spend heavily on international travel and can earn enough Etihad Guest Miles to offset the cost. The 20,000 welcome miles and Etihad Silver Tier status help, but you need consistent travel spending to justify the fee since it is not waivable.
How many miles do I earn on travel and international spend?
You earn 3 miles per USD on travel purchases and 2 miles per USD on international spend. All other domestic spending earns 1.5 miles per USD, while groceries, utilities, and education earn only 0.3 miles per USD.
Can I use this card abroad?
Yes, you can use this card internationally, and you will earn 2 miles per USD on international purchases. However, a 3.49% foreign exchange markup applies to all transactions in foreign currencies, which reduces the effective value of your miles.
What is the welcome bonus?
You receive 20,000 Etihad Guest Miles upon payment of the annual membership fee. There is no additional spend requirement or time limit to earn the welcome bonus.
Does this card earn miles on school or university fees?
Yes, but education spending earns only 0.3 miles per USD, which is significantly lower than the travel and international rates. If education is a major spending category for you, this card is not the best choice for maximizing rewards.