← All 169 cards
Travel
First Abu Dhabi Bank
Etihad Guest Signature Credit Card
No salary transfer needed
Min. salary
AED 15,000
Annual fee
AED 1,575
Monthly rate
3.99%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
59.9%
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 1,575
- Fee note
- No standard waiver
- Monthly rate
- 3.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 59.9%
- Minimum salary
- AED 15,000
- 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.
- Guaranteed welcome bonus: 35,000 Etihad Guest Miles on card activation (supplementary cards receive 5,000 miles)
- Earn 2.75 Etihad Guest Miles per AED 10 on domestic spend, 4.5 miles per AED 10 on non-AED international spend, 5.5 miles per AED 10 with Etihad or Etihad partners
- Optional Miles Accelerator Programme: 6.5 miles per AED 10 on all purchases for AED 250 per month
- 2.5 Etihad Tier Miles for every AED 10 spent in the UAE and abroad
- 50% Etihad Guest Miles discount voucher every year on card spend of AED 150,000 (50% off miles needed for a reward flight, any destination/class)
- Fast track to Etihad Guest Silver status by completing two return Etihad flights within six months of card activation
- 2 free inflight Wi-Fi vouchers (up to 24 hours uptime each) on Etihad flights
- Unlimited complimentary access to over 1,000 airport lounges across the globe
- 2 discounted airport transfers a year from AED 40 (within city service)
- Four cinema tickets a month for AED 20 at Reel Cinemas, Cine Royal and Star Cinemas; golf discounts; 24/7 travel concierge
- Complimentary Travel Accident Insurance up to USD 500,000; International Medical and Travel Assistance; Buyers Protection and 12-month Extended Warranty
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.