Emirates Islamic
Etihad Guest Premium
The Etihad Guest Premium is a travel credit card from Emirates Islamic. It has an annual fee of AED 2,625, and needs a minimum salary of AED 20,000 a month.

Annual fee
AED 2,625
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 on international, 2 on domestic spend
- Fast-track to Etihad Guest Gold tier by spending AED 4,500 on Etihad within 12 months
- 1 complimentary airport lounge visit a year (1,200+ lounges) plus 4 Abu Dhabi airport transfers
- Unlimited golf at 4 UAE courses, 2 valet visits a month, and multi-trip travel insurance
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% |
EEA countries and UK spend earns 2 Etihad Guest Miles per USD 1, the same as the domestic rate and lower than the 3 Miles per USD 1 on other international spend. In Perkly's terms that is about 6.4% back, not the international rate shown above.
Current welcome offer
Earn up to 200,000 bonus Etihad Guest Miles
- Available to new cardholders who choose the AED 1,500 + VAT annual fee option
- 80,000 Miles when you pay the AED 1,500 + VAT annual membership fee
- 120,000 Miles when you spend at least AED 60,000 on retail purchases within the first 3 months
- Apply before 31 October 2026, card issued before 5 November 2026 and activated within 30 days
- Not open to previous Emirates Islamic Etihad Guest cardholders; minimum salary AED 20,000
Expected offer expiry: October 2026
Benefits & perks
- •25,000 welcome Etihad Guest Miles (AED 1,500 + VAT fee option) or 55,000 miles (AED 2,500 + VAT fee option)
- •Fast-track to Etihad Guest Gold Tier status with AED 4,500 spend on Etihad Airways within 12 months of card issuance
- •60% Etihad Guest Miles redemption discount voucher at AED 165,000 annual spend; second voucher at AED 300,000 (max 2/year, each valid for up to 2 passengers)
- •Unlimited complimentary golf at Arabian Ranches, The Track, Meydan or Abu Dhabi Golf Club with AED 10,000 monthly spend
- •Airport lounge access to 1,200+ lounges via Visa Airport Companion app, plus 1 guest: 1 complimentary visit per calendar year
- •4 complimentary airport transfers to/from Abu Dhabi airport per calendar year (requires Etihad Airways transaction within last 6 months)
- •2 complimentary Marhaba Silver (Dubai) or Salam Basic (Abu Dhabi) meet-and-greet services per calendar year with AED 5,000 monthly spend
- •50% cashback on cinema tickets, capped at AED 100/month, with AED 5,000 monthly spend
- •20% discount at Roxy Cinemas on tickets, food and beverages (until 30 April 2027)
- •4 complimentary Etihad in-flight Wi-Fi vouchers per membership year (1 voucher per Etihad transaction of AED 500+)
- •2 complimentary valet parking services per month at select UAE locations with AED 5,000 monthly spend
- •Multi-trip travel insurance (takaful) covering trips up to 90 days: travel accident and travel inconvenience cover
- •Purchase protection: up to USD 7,500 per occurrence and USD 20,000 per year against loss, theft or damage
- •0% Easy Payment Plan on etihad.com purchases (3 or 6 months): 2% processing fee applies
- •Visa Infinite Concierge: 24/7 global concierge for flights, hotels and restaurant reservations
- •Visa Travel Offers: hotel discounts, staycations and car rental offers
About this card
- •Lounge access (1 visit, no spend needed): AED 118
- •Airport transfers to AUH (4 trips): AED 600
- •Golf rounds (needs AED 10,000 of card spend a month): about AED 7,200
- •Valet parking (needs AED 5,000 of card spend a month): AED 1,440
- •Cinema cashback (needs AED 5,000 of card spend a month): AED 1,200
- •Meet & greet at airport (needs AED 5,000 of card spend a month): AED 400
- •Wi-Fi vouchers (4 vouchers): AED 300
- •Travel insurance: AED 300
- •Purchase protection: AED 150
- •Lifestyle total: AED 11,708
Every card is checked against official bank sources. Last updated September 2026.
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