Emirates Islamic Etihad Guest Premium Credit Card (Premium Option) Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 3.5 miles per USD on travel and 3 miles per USD internationally.
AED 2,625.00
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 heavily on international travel and earn at least AED 15,000 monthly.
Not ideal if
You spend mainly on domestic purchases, dining, groceries, or rarely fly Etihad.
Watch out for
AED 2,625 annual fee is not waivable and requires high travel spend to justify.
Calculate This Card’s Value
Earning Rates
3.5 miles/USD
3 miles/USD
2 miles/USD
0.3 miles/USD
0.3 miles/USD
0.3 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 3.5 miles per USD on travel and 3 miles per USD internationally.
55,000 welcome bonus miles and complimentary Etihad Gold Tier status included.
Airport lounge access, golf rounds, valet parking, and Etihad discount vouchers.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
AED 2,625 annual fee with no waiver option available.
Groceries, education, and utilities earn only 0.3 miles per USD.
Requires minimum salary of AED 15,000 to qualify for the card.
Fees & Conditions
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Frequently Asked Questions
Is the AED 2,625 annual fee worth it?
It can be if you spend heavily on international travel and Etihad flights. The 55,000 welcome bonus miles, Etihad Gold Tier, and premium perks like lounge access and golf rounds help offset the fee, but you need consistent high-value travel spend to break even.
How many miles do I earn on groceries and education?
You earn 0.3 miles per USD on groceries, education, and utilities. These categories earn far less than travel and international spend, so this card is not ideal if those are your main expenses.
Can I use this card abroad without high fees?
Yes, but the 3.49% foreign exchange markup applies to all international transactions. The 3 miles per USD on international spend helps offset the markup if you redeem miles effectively.
What is the welcome bonus and how do I get it?
You receive 55,000 Etihad Guest miles as a welcome bonus with no minimum spend requirement. The miles are credited after account activation and can be redeemed for Etihad flights and upgrades.
What is Etihad Gold Tier and what does it include?
Etihad Gold Tier is a complimentary membership tier that offers priority check-in, extra baggage allowance, lounge access on Etihad flights, and bonus miles on eligible bookings. It enhances your travel experience if you fly Etihad regularly.