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Al Hilal Bank
Etihad Guest Infinite Card
IslamicNo salary transfer needed
Min. salary
AED 30,000
Annual fee
AED 2,100
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
No standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 2,100
- Fee note
- No standard waiver
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- 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.
- 60,000 Etihad Guest Miles welcome bonus upon payment of 1st year annual fee
- 10,000 quarterly bonus miles on spend of AED 37,000 per calendar quarter
- 40,000 anniversary bonus miles every subsequent year upon payment of the annual fee
- Earn 8.25 miles per AED 10 internationally and on flights booked via etihad.com; 5.75 miles per AED 10 domestically
- 0.625 miles per AED 10 on government, telecom, utility bills, real estate, education, fuel, groceries, insurance, auto dealership and charity payments
- Complimentary Etihad Guest Gold Tier status, valid 6 months from first use, retained by flying 2 return economy or 1 return business flight
- 15% miles back when booking an Etihad flight with Etihad Guest Miles (cap 30,000 miles/year; card used for retail spend in last 30 days)
- Unlimited complimentary LoungeKey airport lounge access for cardholder +1 guest (Visa Infinite)
- Global concierge service, golf access at reduced prices via SpikesOn app, Global Blue VAT-refund VIP lounge access
- Purchase Protection, Extended Warranty (doubles manufacturer warranty up to 1 year), Fraudulent Card Misuse Protection up to USD 3,000 per occurrence (USD 5,000/year)
- Multi-trip travel insurance and medical assistance up to USD 1 million; complimentary airport transfers (per Etihad Guest partner page)
- 0% Easy Payment Plan on Etihad purchases
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.