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; 1,200+ lounges via Visa Airport Companion (1 free visit/year)
- 2 complimentary Abu Dhabi airport transfers and 2 Meet & Greet services per year
- 2 golf rounds/month, monthly valet, 50% cinema cashback and multi-trip travel takaful
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 up to 100,000 bonus Etihad Guest Miles
- 50,000 Miles when you pay the annual membership fee of AED 899 + VAT
- 50,000 Miles when you spend at least AED 45,000 on retail purchases within the first 3 months
- These Miles replace (not add to) the standard 30,000 Miles welcome bonus
- New applicants only, apply before 31 October 2026, card issued before 5 November 2026 and activated within 30 days
- Minimum salary AED 12,000; cash, fees and balance transfers do not count towards the spend
Expected offer expiry: October 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 year
- •2 complimentary Abu Dhabi airport transfers per calendar year (requires Etihad Airways transaction within 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 3,000 monthly retail spend
- •50% cinema cashback: up to AED 75/month with AED 3,000 monthly spend
- •2 inflight Wi-Fi vouchers per year (1 per Etihad Airways transaction of AED 500+)
- •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)
- •Annual fee waived for year one with AED 5,000 retail spend within 90 days; waived from year two with AED 30,000 annual spend
Every card is checked against official bank sources. Last updated September 2026.
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