TravelIslamic
Abu Dhabi Islamic Bank
Etihad Guest Visa Infinite Covered Card
The Etihad Guest Visa Infinite Covered Card is a travel credit card from Abu Dhabi Islamic Bank. It has an annual fee of AED 3,150, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 3,150
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Etihad Guest Miles
Material
Plastic
Card highlights
- Earn up to 3.5 Etihad Guest Miles per AED 4 on Etihad and foreign spend, 2.5 on local spend
- Complimentary Etihad Guest Silver Tier, fast-track to Gold on AED 4,500 Etihad spend in 12 months
- Unlimited lounge access for you and a guest (1,000+ lounges) plus 2 free Abu Dhabi airport transfers a year
- Monthly complimentary golf for two at Abu Dhabi Golf Club and Els Club Dubai, plus 4 free valet visits a month
Earn rates
| Category | Rate |
|---|---|
| Travel | 10.28% |
| International spend | 10.28% |
| Retail | 7.34% |
| Dining & food | 7.34% |
| Online shopping | 7.34% |
| Supermarket | 2.94% |
| Fuel | 2.94% |
| Utilities | 2.94% |
| Education | 2.94% |
| Transport | 2.94% |
| Real estate | 2.94% |
Spend in the European Economic Area and the UK earns less on this card: about 3.52% back, against 10.28% on other international spend.
Current welcome offer
Earn up to 225,000 Etihad Guest Miles on new applications
- 25,000 miles on card activation and your first retail transaction within 30 days
- 75,000 miles when you make your first retail transaction within 30 days of issuance
- 25,000 miles for spending AED 60,000 within three months of issuance
- 100,000 bonus miles for spending AED 60,000 on retail or online purchases within 60 days of issuance
- Applications between 1 July and 31 December 2026, card issued by 15 January 2027; those who closed an ADIB Etihad Guest card on or after 1 July 2025 are not eligible for the additional or bonus miles
Expected offer expiry: December 2026
Benefits & perks
- •Complimentary Etihad Guest Silver Tier membership
- •Unlimited airport lounge access for cardholder plus one guest via Visa Airport Companion (1,000+ lounges)
- •Free companion ticket voucher (any destination, any class) with AED 150,000 annual spend
- •Free class upgrade voucher with AED 350,000 annual spend
- •Fast track to Etihad Guest Gold Tier with AED 4,500 Etihad Airways spend in first 12 months
- •Travel accident and medical cover up to USD 500,000 (family included)
- •Free valet parking 4 times per month via Valtrans
- •Complimentary golf for cardholder plus one guest once a month at Abu Dhabi Golf Club and Els Club Dubai
- •2 complimentary Abu Dhabi airport transfers per year
- •Free home check-in once a year (Abu Dhabi)
- •Free roadside assistance: unlimited city towing and 3 inter-emirate tows per year
- •Purchase protection up to USD 2,500 per occurrence
- •Extended warranty cover: up to 24 additional months
- •24-hour Visa Infinite concierge service
- •4 free supplementary cards
- •Easy payment plan over 3 to 12 months with 100% profit waiver
- •Balance transfer with no profit for 3 months (up to 100% of cover limit) or 12 months (up to 50%)
Every card is checked against official bank sources. Last updated September 2026.
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More from Abu Dhabi Islamic Bank
TravelIslamicWelcome offer
ADIB Etihad Guest Visa Gold
- Earn 1.5 Etihad Guest Miles per AED 4 on international spend, 1 Mile on local spend
- 2 complimentary airport lounge visits a year via Visa Airport Companion
AED 1,050/yrView card
Updated September 2026