Emirates Islamic
Etihad Guest Premium
The Etihad Guest Premium is a travel credit card from Emirates Islamic. It has an annual fee of AED 1,575, and needs a minimum salary of AED 20,000 a month.

Annual fee
AED 1,575
Joining fee
Free
Min. salary
AED 20,000/mo
Rewards in
Etihad Guest Miles
Material
Plastic
Card highlights
- Earn 3.5 Etihad Guest Miles per USD on Etihad, 3 abroad, 2 on local spend
- Fast-track to Etihad Guest Gold; unlimited lounges (1,200+) plus 4 Abu Dhabi airport transfers
- Unlimited complimentary golf plus 2x monthly valet parking (spend thresholds apply)
- USD 500K multi-trip travel insurance and up to 2 x 60%-off miles redemption vouchers yearly
Earn rates
| Category | Rate |
|---|---|
| Travel | 11.2% |
| International spend | 9.6% |
| Retail | 6.4% |
| Dining & food | 6.4% |
| Transport | 6.4% |
| Online shopping | 6.4% |
| Supermarket | 0.96% |
| Fuel | 0.96% |
| Utilities | 0.96% |
| Education | 0.96% |
| Real estate | 0.96% |
Current welcome offer
Earn up to 100,000 bonus Etihad Guest Miles
- 40,000 miles when you pay the annual membership fee (AED 1,500)
- 60,000 miles for spending AED 60,000 within the first 3 months
- Offer valid till 31 July 2026
Expected offer expiry: July 2026
Benefits & perks
- •Fast-track to Etihad Guest Gold Tier status with AED 4,500 spend on Etihad Airways within 12 months of card issuance
- •Unlimited complimentary airport lounge access (1,200+ lounges) plus 1 guest via Visa Airport Companion app
- •Multi-trip travel insurance up to USD 500,000 covering trips up to 90 days
- •Purchase protection: up to USD 7,500 per occurrence and USD 20,000 per year against loss, theft or damage
- •60% Etihad Guest Miles redemption discount voucher at AED 165,000 annual spend (second voucher at AED 300,000), valid for up to 2 passengers
- •Unlimited complimentary golf at Arabian Ranches, Track Meydan or Abu Dhabi Golf Club with AED 10,000 monthly spend
- •4 complimentary airport transfers to/from Abu Dhabi airport per calendar year (Etihad flight required)
- •Visa Luxury Hotel Collection: best rate guarantee, room upgrade, complimentary breakfast and late check-out at 900+ properties
- •2 complimentary Marhaba Meet & Greet services per year
- •2 complimentary valet parking sessions per month at select UAE locations with AED 5,000 monthly spend
- •4 complimentary Etihad in-flight Wi-Fi vouchers per membership year (1 per Etihad transaction of AED 500+)
- •50% cashback on cinema tickets, capped at AED 100/month, with AED 5,000 monthly spend
- •20% discount on tickets, food and beverages at Roxy Cinemas
- •Dubai Ladies Club and Sharjah Ladies Club complimentary access
- •Visa Infinite Concierge: 24/7 global assistance for flights, hotels and restaurant reservations
- •0% Easy Payment Plan on etihad.com purchases over 3 or 6 months (2% processing fee applies)
- •Visa Travel Offers: hotel discounts, staycations and up to 35% off car rentals
- •Cash advance available at 780,000+ ATMs worldwide via Visa
About this card
- •Lifestyle perks (independent of flying)
- •Lounge access, 12 visits: about AED 1,410
- •Airport transfers to Abu Dhabi, 4 trips: about AED 600
- •Unlimited golf (est. 48 rounds a year): about AED 7,200
- •Valet parking, 2 times a month: about AED 1,440
- •Cinema cashback, up to AED 100 a month: about AED 1,200
- •Meet and greet at the airport, 2 times a year: about AED 400
- •In-flight Wi-Fi vouchers, 4 vouchers: about AED 300
- •Travel insurance: about AED 300
- •Purchase protection: about AED 150
- •Visa Luxury Hotel Collection benefit: about AED 200
- •Etihad Gold tier perks when you fly 3+ times a year (6 segments)
- •20kg extra baggage allowance: about AED 4,800
- •Etihad Lounge Abu Dhabi access (upgrade from standard Visa lounge): about AED 450
- •50% bonus flight miles on Etihad flights: about AED 881
- •Complimentary seat selection: about AED 720
- •Priority check-in, boarding, baggage delivery and upgrade list: about AED 2,000
Every card is checked against official bank sources. Last updated July 2026.
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