Emirates Islamic Etihad Guest Premium Credit Card (Base Option) Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 3.5 miles/USD on travel and 3 miles/USD internationally.
AED 1,575.00
Up to 3.5 miles/USD
AED 15,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000 monthly on international travel and education with Etihad loyalty.
Not ideal if
You spend mainly on dining, groceries, or utilities, or prefer cashback rewards.
Watch out for
AED 1,575 annual fee is not waivable and requires strong travel spend.
Calculate This Card’s Value
Earning Rates
3.5 miles/USD
3 miles/USD
3 miles/USD
2 miles/USD
0.3 miles/USD
0.3 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 3.5 miles/USD on travel and 3 miles/USD on international purchases.
Includes Etihad Gold tier status and premium travel perks like lounge access.
Earns 3 miles/USD on education spend with no cap.
25,000 Etihad Guest miles welcome bonus with no spend requirement.
Watch out for
AED 1,575 annual fee with no waiver option.
Groceries and utilities earn only 0.3 miles/USD.
AED 15,000 minimum salary requirement limits eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,575 annual fee is worth it if you spend heavily on international travel and education, earning 3 to 3.5 miles/USD, and use perks like Etihad Gold status and lounge access. If you spend mostly on groceries or utilities, which earn only 0.3 miles/USD, the fee will likely exceed your rewards.
Does this card earn on school or university fees?
Yes, education spend earns 3 miles/USD with no cap, making it a strong choice for families paying tuition or school fees internationally.
Can I use this card abroad?
Yes, international purchases earn 3 miles/USD. The card carries a 3.49% foreign exchange markup, which is standard for UAE credit cards.
How does the welcome bonus work?
You receive 25,000 Etihad Guest miles upon approval with no minimum spend requirement, helping offset the first year's annual fee.
What is Etihad Gold tier status?
Etihad Gold tier status is included with the card and offers benefits like priority check-in, extra baggage allowance, and lounge access when flying Etihad.