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TravelVisa
ADIB
Etihad Guest Visa Infinite Card
IslamicNo salary transfer needed
Min. salary
AED 30,000
Annual fee
AED 3,150
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 3,150
- 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 30,000
- 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.
- 75,000 welcome Etihad Guest Miles on activation within 30 days plus 25,000 bonus Miles on AED 60,000 spend within 90 days (up to 100,000); limited-time acquisition offer (1 July - 31 December 2026) adds 25,000 additional sign-up Miles and 100,000 bonus Miles on AED 60,000 spend within 60 days
- 3.5 Etihad Guest Miles per AED 4 on Etihad Airways spends
- 3.5 Etihad Guest Miles (1.2 in EEA region) per AED 4 equivalent on foreign currency spends
- 2.5 Etihad Guest Miles per AED 4 on local currency spends; 1 Mile per AED 4 on Specific Merchants
- 1 Etihad Guest Tier Mile per AED 4 of eligible purchases, capped at 50,000 Tier Miles annually
- Free Companion Ticket Voucher (any destination, any class) on AED 150,000 spend in one year and free class upgrade voucher on AED 350,000 spend in one year
- Complimentary Etihad Guest Silver Tier, with fast track to Gold Tier on AED 4,500 Etihad Airways spend within first 12 months
- Unlimited lounge access for cardholder and one guest to over 1,000 lounges in 300+ cities (Visa Airport Companion app)
- Free valet parking four times a month through Valtrans; two Abu Dhabi airport transfers per year; home check-in service in Abu Dhabi once a year
- Complimentary golf with one guest, capped at once per month (Abu Dhabi Golf Club, Els Golf Club Dubai)
- Travel inconvenience cover (baggage loss up to USD 3,000, trip curtailment up to USD 7,500), travel medical cover and 24-hour concierge
- Purchase protection and 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.