Emirates NBD Etihad Guest Visa Elevate Credit Card
A premium travel credit card by Emirates NBD earning 1 mile/AED on travel and dining, plus Etihad Gold tier status.
AED 1,575.00
Up to 1 mile/AED
AED 30,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 20,000 or more monthly on travel and dining, and fly Etihad regularly.
Not ideal if
You prefer cashback over miles or spend mostly on groceries and domestic purchases.
Watch out for
AED 2,625 joining fee is not waivable, and AED 30,000 minimum salary required.
Calculate This Card’s Value
Earning Rates
1 mile/AED
0.6 miles/AED
1 mile/AED
0.15 miles/AED
0.6 miles/AED
0.6 miles/AED
0.6 miles/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 1 mile per AED on travel and dining with no caps.
Etihad Gold tier status and two 50% miles redemption discount vouchers included.
Lounge access, airport transfer, and premium lifestyle perks like valet parking.
Welcome bonus up to 100,000 miles for spending AED 120,000 in six months.
Watch out for
AED 2,625 joining fee and AED 1,575 annual fee, neither waivable.
AED 30,000 minimum monthly salary restricts eligibility to high earners.
Groceries earn only 0.15 miles per AED, much weaker than travel categories.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,575 annual fee and AED 2,625 joining fee are not waivable, so value depends on whether you use Etihad Gold tier status, lounge access, and the two 50% miles redemption vouchers. If you fly Etihad regularly and spend heavily on travel and dining, the perks and 1 mile per AED earning can justify the cost.
What is the welcome bonus?
You receive 40,000 miles upon paying the joining fee, 60,000 miles for spending AED 90,000 within six months, and 100,000 miles for spending AED 120,000 within six months. The highest tier requires significant spend but offers a strong bonus for frequent users.
Can I use this card abroad?
Yes, international spend earns 0.6 miles per AED. The card carries a 3.14% foreign exchange markup, which is standard for UAE credit cards.
Does this card earn on school or university fees?
Yes, education spend earns 0.6 miles per AED, the same rate as international and utility purchases.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 30,000 to be eligible for this card.