Etihad Guest Saqer Credit Card
IslamicNo salary transfer needed
Page structured data notes AMF 'waived first year with spend criteria'; welcome bonus miles awarded upon payment of Annual Membership Fee
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 943.95
- Fee note
- Page structured data notes AMF 'waived first year with spend criteria'; welcome bonus miles awarded upon payment of Annual Membership Fee
- 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 12,000
- 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.
What you get.
- Welcome bonus of 30,000 Etihad Guest Miles upon payment of Annual Membership Fee
- Earn 3 Etihad Guest Miles per USD 1 on Etihad Airways, up to 2 international, 1.5 on EEA/UK, up to 1.5 domestic
- 1 Etihad Guest Tier Mile per USD 1 spent, capped at 25,000 per membership year
- Fast-track to Etihad Guest Silver Tier for 12 months on AED 2,000 Etihad Airways spend within 12 months of issuance
- 25% Etihad Guest Miles discount voucher on AED 100,000 spend in anniversary year
- 2 complimentary airport transfers to/from Abu Dhabi airport
- Access to 1,200+ airport lounges via Visa Airport Companion (first visit per calendar year free; then USD 1 FX-spend rule, else USD 32)
- Up to 2 complimentary golf rounds per month at Arabian Ranches, Jebel Ali or Abu Dhabi Golf Club (AED 5,000 monthly retail spend)
- Marhaba Silver/Salam Basic Meet & Greet, up to 2 per year (AED 3,000 monthly spend)
- Etihad inflight Wi-Fi voucher on etihad.com purchases of AED 500+; multi-trip travel takaful
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.