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TravelVisa
ADIB
Etihad Guest Visa Gold Card
IslamicNo salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 1,050
Monthly rate
3.75%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
55.5%
No standard waiver
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01Fees & rates
What it costs.
- Annual fee
- AED 1,050
- Fee note
- No standard waiver
- Monthly rate
- 3.75%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 55.5%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Welcome bonus of 35,000 Etihad Guest Miles; limited-time acquisition offer (1 July - 31 December 2026) adds 15,000 additional sign-up Miles on first retail transaction within 30 days plus 50,000 bonus Miles on AED 15,000 spend within 60 days of issuance
- 1 Etihad Guest Mile per AED 4 spent locally
- 1.5 Etihad Guest Miles (0.6 in EEA region) per AED 4 equivalent spent internationally, up to a maximum of 100,000 Miles per month
- 0.5 Etihad Guest Miles per AED 4 on Specific Merchants (supermarkets, government, utilities, education, petrol, transport, Salik, charities)
- Free Companion Ticket Voucher on Etihad Airways, any destination any class, on AED 150,000 spend in one year
- Fast track to Etihad Guest Silver Tier after 4 return Etihad flights within 12 months of issuance
- Free airport lounge access via LoungeKey, 2 visits per year (850+ lounges)
- Free roadside assistance (call 600-542010)
- Optional Covered Card Takaful protection
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.