Emirates Islamic
Etihad Guest Saqer Credit Card
The Etihad Guest Saqer Credit Card is a travel credit card from Emirates Islamic. It has an annual fee of AED 943.95, and needs a minimum salary of AED 12,000 a month.
Annual fee
AED 943.95
Joining fee
Free
Min. salary
AED 12,000/mo
Rewards in
Etihad Guest Miles
Material
Plastic
Card highlights
- Earn 3 Etihad Guest Miles per USD on Etihad Airways, 2 on international spend, 1.5 on domestic and EEA/UK spend
- Fast-track to Etihad Guest Silver tier (first year); earn 1 Tier Mile per USD spent, capped at 25,000 per membership year
- 1 complimentary airport lounge visit per year via Visa Airport Companion (1,200+ lounges); 2 complimentary Abu Dhabi airport transfers per year
- 2 complimentary golf rounds per month and 1 complimentary valet visit per month (both with AED 5,000 monthly retail spend); 50% cinema cashback up to AED 75 per month
Earn rates
| Category | Rate |
|---|---|
| Travel | 9.6% |
| International spend | 6.4% |
| Retail | 4.8% |
| Dining & food | 4.8% |
| Transport | 4.8% |
| Online shopping | 4.8% |
| Supermarket | 0.96% |
| Fuel | 0.96% |
| Utilities | 0.96% |
| Education | 0.96% |
| Real estate | 0.96% |
EEA countries and UK spend earns 1.5 Etihad Guest Miles per USD 1, the same as the domestic rate and lower than the 2 Miles per USD 1 on other international spend. In Perkly's terms that is about 4.8% back, not the international rate shown above.
Current welcome offer
Earn 30,000 Etihad Guest Miles as a welcome bonus
- 30,000 miles when you pay the AED 899 + VAT annual membership fee
- Separately, new customers may earn an AED 750 noon.com gift voucher by spending AED 7,500 on retail purchases within 60 days of card issuance
- The noon.com voucher requires applying directly on Emirates Islamic's noon offer page by 31 December 2026, with card issued by 31 January 2027
- The noon.com voucher cannot be combined with other promotions and may replace the miles offer rather than add to it
- Not available to existing or recent (last 6 months) Emirates Islamic credit card holders
Expected offer expiry: December 2026
Benefits & perks
- •Fast-track to Etihad Guest Silver tier for the first year (spend AED 2,000 on Etihad within 12 months)
- •Airport lounge access to 1,200+ lounges via Visa Airport Companion: 1 complimentary visit per calendar year
- •2 complimentary Abu Dhabi airport transfers per calendar year (requires an Etihad Airways transaction within the last 6 months)
- •2 complimentary Airport Meet & Greet services per calendar year at Abu Dhabi or Dubai airport (with AED 3,000 monthly spend)
- •25% Miles Discount Voucher at AED 100,000 anniversary spend (or 10% voucher at AED 50,000 to AED 100,000)
- •2 complimentary golf rounds per month (with AED 5,000 monthly retail spend)
- •1 complimentary valet parking service per month (with AED 5,000 monthly retail spend)
- •2 inflight Wi-Fi vouchers per year (1 per Etihad Airways transaction of AED 500+)
- •50% cinema cashback: up to AED 75/month (with AED 3,000 monthly spend)
- •Multi-trip travel insurance (takaful) for trips of up to 90 days
- •Purchase protection
- •Global concierge service
- •0% Easy Payment Plan on etihad.com purchases over 3 or 6 months (2% processing fee)
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the Emirates Islamic Etihad Guest Saqer Credit Card earn?
An Islamic Etihad Guest card with an AED 943.95 annual fee that can be waived on spending, earning 3 Miles per USD 1 on Etihad Airways, 2 on international spending outside the European Economic Area and the UK, 1.5 on most local spending and 0.3 on supermarkets, fuel and bills.
What does the Emirates Islamic Etihad Guest Saqer Credit Card cost?
Annual fee AED 943.95 including VAT (AED 899 + VAT). No joining fee. The fee is waived in the first year with AED 5,000 of retail spending within 90 days of approval, and from the second year with AED 30,000 of spending in the year; otherwise AED 943.95 applies.
What does spending abroad cost on the Emirates Islamic Etihad Guest Saqer Credit Card?
Spending abroad costs about 3.69% all in: Emirates Islamic's 2.54% (VAT included) on foreign currency transactions plus about 1.15% for Visa, which Emirates Islamic says is charged in addition. A transaction abroad billed in AED carries Emirates Islamic's 1.99% instead of 2.54%. Spending in the European Economic Area and the UK earns 1.5 Miles per USD 1, not 2.
What should I watch out for with the Emirates Islamic Etihad Guest Saqer Credit Card?
Supermarkets, fuel, bills, education and fast food earn only 0.3 Miles per USD 1, about 0.96%. Only 1 lounge visit a calendar year is free outright; further visits need a foreign currency purchase of at least USD 1, 15 days prior to the visit in Emirates Islamic's words, and every guest costs USD 32. The annual fee is waived from the second year only with AED 30,000 of spending in the year.
More from Emirates Islamic
Emirates Islamic Etihad Guest Ameera Credit Card
- Earn 3 Etihad Guest Miles per USD on Etihad Airways, 2 on international spend, 1.5 on domestic and EEA/UK spend
- Fast-track to Etihad Guest Silver tier (spend AED 2,000 on Etihad within 12 months); 1 Tier Mile per USD, capped at 25,000 a year
Updated October 2026
Emirates Islamic Etihad Guest Platinum
- Earn 2 Etihad Guest Miles per USD on Etihad Airways and online/mobile wallet, 1.5 on international spend
- 10% miles redemption discount voucher after AED 50,000 annual spend (up to 2 passengers, 6-month validity)
Updated November 2026
Emirates Islamic Etihad Guest Premium
- Earn 3.5 Etihad Guest Miles per USD 1 on Etihad Airways, 3 on international spend, 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 via Visa Airport Companion) plus 4 complimentary airport transfers to/from Abu Dhabi per calendar year
Updated November 2026