Etihad Guest Visa Elevate
No salary transfer needed
No standard waiver; joining fee AED 2,625 in year 1, annual fee AED 1,575 from 2nd year
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 1,575
- Fee note
- No standard waiver; joining fee AED 2,625 in year 1, annual fee AED 1,575 from 2nd year
- Monthly rate
- 3.25%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 46.8%
- 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.
What you get.
- Welcome bonus up to 200,000 Etihad Guest Miles: 40,000 on joining-fee payment + 60,000 on AED 90,000 spend in 6 months + 100,000 on AED 120,000 spend in 6 months
- 10 Etihad Guest Miles per AED 10 on Etihad Airways, hotels and dining
- Up to 6 Miles per AED 10 on all other spends (EU-merchant and grocery/QSR/insurance/petroleum/transit/government/utility/real estate/education/telecom spends capped at 1,500 Miles per statement)
- 50% Etihad Guest Miles redemption discount voucher for every AED 150,000 spent (max 2 vouchers per year)
- 2.5 Etihad Tier Miles per AED 10 on all spends (max 50,000 Tier Miles per year)
- Fast track to Etihad Guest Gold Tier after 1 return Etihad flight within 6 months (50% bonus miles, 15kg extra baggage, priority check-in)
- Complimentary access to 1,000+ airport lounges via Visa Airport Companion App
- Buy 1 get 1 free movie tickets at VOX, Cine Royal and Reel Cinemas (min spend applies)
- Concierge services and valet parking at selected Abu Dhabi locations
- Limited-time 10% cashback on Etihad Airways spends (capped at AED 800)
- Express Miles programme: 50% more Miles for AED 250/month (max 4,000 bonus Miles per statement)
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.