Emirates Islamic Etihad Guest Platinum Credit Card Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 2 points per USD on travel and 1.5 points per USD internationally.
AED 208.95
Up to 2 pts/USD
AED 5,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000 or more monthly on international travel and overseas purchases.
Not ideal if
You mainly spend on domestic groceries, dining, utilities, or education in the UAE.
Watch out for
Annual fee of AED 208.95 is not waivable regardless of your spending.
Calculate This Card’s Value
Earning Rates
2 pts/USD
1.5 pts/USD
1 pts/USD
0.3 pts/USD
0.3 pts/USD
0.3 pts/USD
0.3 pts/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 2 points per USD on travel purchases with no cap.
5,000 Etihad Guest Miles welcome bonus upon paying the annual fee.
Sharia-compliant structure for customers seeking Islamic banking products.
Cinema buy-one-get-one-free perk included.
Watch out for
Annual fee of AED 208.95 cannot be waived through spending.
Groceries, dining, utilities, and education earn only 0.3 points per USD.
Minimum salary requirement of AED 5,000 monthly to qualify.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 208.95 annual fee is not waivable, but you receive 5,000 Etihad Guest Miles as a welcome bonus when you pay it. If you spend heavily on travel and international purchases, the accelerated earn rates can offset the fee over time.
How many Etihad Guest Miles do I earn on travel?
You earn 2 points per USD spent on travel purchases and 1.5 points per USD on international transactions. All other spend earns 1 point per USD, except groceries, dining, utilities, and education, which earn 0.3 points per USD.
Can I use this card abroad?
Yes, the card works internationally and earns 1.5 points per USD on international spend. The foreign exchange markup is 3.49%, which is standard for UAE credit cards.
Does this card earn on school or university fees?
Yes, but education spend earns only 0.3 points per USD, which is significantly lower than the travel and international rates. This card is not optimized for education expenses.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.