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 fly Etihad regularly and spend heavily on groceries, travel, and international purchases.
Not ideal if
You prefer cashback, rarely fly Etihad, or spend mostly on dining and entertainment.
Watch out for
AED 1,575 annual fee is not waivable and requires strong mile redemption to justify.
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 among card categories.
35,000 Etihad Guest Miles welcome bonus and Etihad Silver Tier status on activation.
Strong travel earning at 0.55 miles/AED and international at 0.45 miles/AED.
Sharia-compliant structure with lounge access and airport transfer perks.
Watch out for
AED 1,575 annual fee with no waiver option.
Education and utilities earn only 0.0015 miles/AED, nearly zero value.
Requires AED 15,000 minimum monthly salary, limiting eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,575 annual fee is not waivable, so you need to redeem Etihad Guest Miles for flights or upgrades worth more than that amount to justify the cost. The 35,000 welcome bonus miles help offset the first year, but ongoing value depends on how often you fly Etihad and redeem miles.
How much do I earn on groceries and travel?
You earn 0.7 miles/AED on groceries and 0.55 miles/AED on travel bookings. International spend earns 0.45 miles/AED, while all other spends earn 0.275 miles/AED.
Does this card earn on school or university fees?
Yes, but education spend earns only 0.0015 miles/AED, which is effectively negligible. If you pay significant school fees, consider a card with stronger education earning.
Can I use this card abroad?
Yes, international spend earns 0.45 miles/AED. However, the 3.76% foreign exchange markup applies to all non-AED transactions, which can reduce net value on smaller purchases.
What is the welcome bonus?
You receive 35,000 Etihad Guest Miles upon card activation with no minimum spend requirement. Supplementary cardholders receive an additional 5,000 miles bonus.