Emirates Islamic Etihad Guest Saqer 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 943.95
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+ monthly on international travel and fly Etihad regularly.
Not ideal if
You spend mainly on dining, groceries, or domestic purchases with limited travel.
Watch out for
AED 943.95 annual fee is not waivable and requires strong travel spend to justify.
Calculate This Card’s Value
Earning Rates
3 miles/USD
0.3 miles/USD
2 miles/USD
1.5 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 internationally.
30,000 Etihad Guest Miles welcome bonus upon paying the annual fee.
Includes Etihad Silver Tier status, lounge access, and airport transfers.
Sharia-compliant card suitable for Islamic banking customers.
Watch out for
AED 943.95 annual fee with no waiver option.
Education, groceries, and utilities earn only 0.3 miles per USD.
Requires AED 10,000 minimum salary, limiting eligibility.
Fees & Conditions
Cards Worth Comparing
Explore similar UAE credit cards and alternatives worth comparing based on rewards, fees, salary requirements, and spending fit.
Similar Cards
Close alternatives with similar reward patterns, eligibility requirements, and fee positioning.
Emirates Islamic
Etihad Guest Ameera Credit Card
Similarity score99/100
ADIB
Emirates Skywards Visa Signature Islamic Credit Card
Similarity score91/100
DIB
Emirates Skywards DIB Infinite Islamic Credit Card
Similarity score86/100
Emirates NBD
Marriott Bonvoy World Elite Credit Card
Similarity score83/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
Emirates Islamic
Etihad Guest Platinum Credit Card
Comparison fit87/100
DIB
Emirates Skywards DIB Signature Islamic Credit Card
Comparison fit86/100
ADIB
Emirates Skywards Visa Infinite Islamic Credit Card
Comparison fit85/100
Emirates NBD
Marriott Bonvoy World Credit Card
Comparison fit85/100
Frequently Asked Questions
Is the annual fee worth it?
The AED 943.95 annual fee is not waivable, so you need to earn enough miles from travel and international spending to offset it. The 30,000 Etihad Guest Miles welcome bonus and Etihad Silver Tier status help justify the cost if you fly Etihad regularly.
How many miles do I earn on travel and international purchases?
You earn 3 miles per USD on travel purchases and 2 miles per USD on international transactions. All other spending earns 1.5 miles per USD, while education, groceries, and utilities earn only 0.3 miles per USD.
What is the welcome bonus?
You receive 30,000 Etihad Guest Miles upon payment of the annual membership fee, with no additional spend requirement.
Can I use this card abroad?
Yes, the card earns 2 miles per USD on international purchases. However, there is a 3.49% foreign exchange markup on transactions in currencies other than AED.
Does this card earn on school or university fees?
Yes, education spending earns 0.3 miles per USD, which is the same low rate as groceries and utilities. This card is not optimized for education expenses.