FAB Islamic Etihad Guest Platinum Credit Card Sharia-compliant
A Sharia-compliant travel credit card by FAB Islamic earning up to 0.7 miles/AED on groceries and 0.4 miles/AED on travel.
AED 525.00
Up to 0.7 miles/AED
AED 8,000
3.76%
This card also has a conventional version (FAB Etihad Guest Platinum Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on groceries and travel, and you value Etihad Guest miles.
Not ideal if
You prefer cashback or rarely fly Etihad and partner airlines for redemptions.
Watch out for
AED 525 annual fee is not waivable, regardless of your spending level.
Calculate This Card’s Value
Earning Rates
0.2 miles/AED
0.35 miles/AED
0.4 miles/AED
0.0015 miles/AED
0.7 miles/AED
0.0015 miles/AED
Key Strengths and Weaknesses
Strengths
Earns 0.7 miles/AED on groceries with no cap.
10,000 Etihad Guest Miles welcome bonus on card activation.
0.4 miles/AED on travel and 0.35 miles/AED on international spend.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
AED 525 annual fee with no waiver option.
Education and utilities earn only 0.0015 miles/AED, nearly unrewarded.
AED 8,000 minimum salary requirement limits eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the AED 525 annual fee worth it?
It depends on your grocery and travel spend. If you spend AED 3,000 monthly on groceries, you'll earn 25,200 miles per year (0.7 miles/AED), plus the 10,000 welcome bonus. Whether that offsets the fee depends on how you value Etihad Guest Miles for flights.
How many Etihad Guest Miles do I earn on groceries?
You earn 0.7 miles per AED spent on groceries with no cap. For example, AED 1,000 in grocery spend earns 700 Etihad Guest Miles.
Can I waive the annual fee?
No, the AED 525 annual fee is not waivable regardless of your spending level.
Does this card earn on school or university fees?
Yes, but the earn rate is only 0.0015 miles/AED on education spend, which is very low. For example, AED 10,000 in school fees earns just 15 miles.
What is the foreign exchange markup?
The card charges 3.76% on foreign currency transactions, which is standard for UAE credit cards. This applies to international purchases and ATM withdrawals abroad.