FAB Islamic Etihad Guest Signature Credit Card Sharia-compliant
A Sharia-compliant travel credit card by FAB Islamic earning up to 0.7 miles/AED on groceries and 0.55 miles/AED on travel.
AED 1,575.00
Up to 0.7 miles/AED
AED 15,000
3.76%
This card also has a conventional version (FAB Etihad Guest Signature Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on groceries and international travel, and fly Etihad regularly.
Not ideal if
You prefer cashback, rarely fly Etihad, or spend mainly on dining and fuel.
Watch out for
AED 1,575 annual fee is not waivable and requires high redemption value.
Calculate This Card’s Value
Earning Rates
0.275 miles/AED
0.45 miles/AED
0.55 miles/AED
0.0015 miles/AED
0.7 miles/AED
0.0015 miles/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.7 miles/AED on groceries, the highest rate on the card.
35,000 Etihad Guest Miles welcome bonus on activation with no spend requirement.
Includes Etihad Silver Tier status, lounge access, and airport transfer perks.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
AED 1,575 annual fee with no waiver option available.
Minimal 0.0015 miles/AED on education and utilities spend.
Requires AED 15,000 minimum monthly salary to qualify.
Fees & Conditions
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Frequently Asked Questions
Is the AED 1,575 annual fee worth it?
It depends on your spending and redemption habits. The 35,000 welcome miles and strong grocery and travel earn rates can offset the fee if you fly Etihad regularly and redeem miles for flights. If you spend less than AED 8,000 monthly or rarely redeem miles, the fee will likely exceed the value.
How many Etihad Guest Miles do I earn on groceries?
You earn 0.7 miles per AED spent on groceries, the highest rate on this card. For example, AED 2,000 monthly grocery spend earns 1,400 miles per month.
Does this card earn miles on school or university fees?
Yes, but the rate is very low at 0.0015 miles per AED. For AED 10,000 in education fees, you would earn only 15 miles, so this card is not ideal for education spend.
Can I use this card abroad without high fees?
The card has a 3.76% foreign exchange markup on international transactions. While you earn 0.45 miles/AED on international spend, the FX fee reduces net value, so factor that into your calculations.
What is the welcome bonus and how do I get it?
You receive 35,000 Etihad Guest Miles upon card activation with no minimum spend requirement. Supplementary cardholders receive an additional 5,000 miles bonus.