FAB Islamic Etihad Guest Infinite Credit Card Sharia-compliant
A Sharia-compliant travel credit card by FAB Islamic earning up to 0.7 miles/AED on travel and groceries.
AED 2,625.00
Up to 0.7 miles/AED
AED 30,000
3.76%
This card also has a conventional version (FAB Etihad Guest Infinite Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 30,000+ monthly and spend heavily on Etihad flights and groceries.
Not ideal if
You rarely fly Etihad or prefer cashback over airline miles programs.
Watch out for
AED 2,625 annual fee is non-waivable and requires significant travel spend to offset.
Calculate This Card’s Value
Earning Rates
0.35 miles/AED
0.6 miles/AED
0.7 miles/AED
0.0015 miles/AED
0.7 miles/AED
0.0015 miles/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.7 miles per AED on travel and groceries with no caps.
55,000 Etihad Guest Miles welcome bonus on activation.
Includes Etihad Gold Tier status, lounge access, and airport transfers.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
AED 2,625 annual fee with no waiver option.
Requires AED 30,000 minimum monthly salary to qualify.
Education and utilities earn only 0.0015 miles per AED.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 2,625 annual fee is justified if you fly Etihad regularly and spend heavily on travel and groceries. The 55,000 welcome miles and Etihad Gold Tier status help offset the cost in the first year, but ongoing value depends on your ability to redeem miles for flights or upgrades.
How much do I earn on Etihad flights?
You earn 0.7 Etihad Guest Miles per AED spent on travel, including Etihad flights. There is no cap, so large ticket purchases accumulate miles quickly.
Can I use this card abroad?
Yes, you earn 0.6 miles per AED on all international purchases. However, a 3.76% foreign exchange markup applies, which reduces the effective value of your miles on overseas spend.
Does this card earn on school or university fees?
Education spending earns only 0.0015 miles per AED, making this card one of the weakest options for school or university fees. If education is a major expense, consider a card with stronger education earn rates.
What is Etihad Gold Tier status worth?
Etihad Gold Tier includes priority check-in, extra baggage allowance, and lounge access on Etihad flights. The value depends on how often you fly Etihad and whether you use these benefits regularly.