EmiratesNBD
Etihad Guest Visa Elevate
The Etihad Guest Visa Elevate is a travel credit card from EmiratesNBD. It has an annual fee of AED 1,575, and needs a minimum salary of AED 30,000 a month.
Annual fee
AED 1,575
Joining fee
AED 2,625
Min. salary
AED 30,000/mo
Rewards in
Etihad Guest Miles
Material
Plastic
Card highlights
- Earn 10 Etihad Guest Miles per AED 10 on Etihad Airways and Etihad.com, 7.5 on hotels and dining, 5 on international and domestic spend (from 15 Dec 2026)
- Fast-track to Etihad Guest Gold Tier after 1 return Etihad flight within 6 months of card issuance
- 12 airport lounge visits a year (1,000+ lounges) via Visa Airport Companion, including 1 guest; 2 visits pre-activated, 10 unlocked by foreign spend
- 2 complimentary golf rounds a month at top UAE courses, 4 airport transfers a year, and USD 1,000,000 multi-trip travel insurance
Earn rates
| Category | Rate |
|---|---|
| Travel | 11.75% |
| Dining & food | 8.81% |
| Retail | 5.88% |
| Online shopping | 5.88% |
| International spend | 5.88% |
| Supermarket | 1.47% |
| Fuel | 0.59% |
| Utilities | 0.59% |
| Education | 0.59% |
| Transport | 0.59% |
| Real estate | 0.59% |
Spend in the European Economic Area and the UK earns less on this card: about 2.94% back, against 5.88% on other international spend.
Current welcome offer
Earn up to 200,000 Etihad Guest Miles
- 40,000 miles upon payment of the joining fee
- 60,000 miles for spending a minimum AED 90,000 within 6 months of card issuance
- 100,000 miles for spending a minimum AED 120,000 within 6 months of card issuance
- Limited-time offer: 10% cashback on Etihad Airways spends, capped at AED 800
Benefits & perks
- •Fast-track to Etihad Guest Gold Tier after 1 return Etihad flight within 6 months of card issuance (principal cardholder)
- •Gold Tier status valid for 1 year from upgrade
- •50% Etihad Guest Miles redemption discount voucher on reaching AED 150,000 eligible spend: up to 2 vouchers per year
- •Complimentary airport lounge access at 1,000+ lounges worldwide via Visa Airport Companion app: 12 visits/year (cardholder + 1 guest), with AED 5,000 monthly spend
- •Multi-trip travel insurance including emergency medical cover up to USD 1,000,000
- •Complimentary golf 2 times/month at top UAE courses (Jebel Ali, Arabian Ranches, Meydan and more): AED 30 booking fee applies, with AED 5,000 monthly spend
- •Up to 4 complimentary airport transfers/year within Dubai and Abu Dhabi, including inter-emirate transfers, with AED 5,000 monthly spend
- •Buy 1 get 1 free movie tickets at Cine Royal (up to 3 free/month) and Reel Cinemas (up to 2 free/month), with AED 5,000 monthly spend
- •Up to 4 complimentary valet parking sessions/month at selected Abu Dhabi locations, with AED 5,000 monthly spend
- •Visa Infinite Concierge: 24/7 personal assistance for flights, hotels and restaurant reservations worldwide
- •Avis car rental discount: up to 35% off standard rates
- •Purchase protection covering theft or accidental damage on eligible purchases
- •Visa Luxury Hotel Collection access at 900+ properties, with AED 5,000 monthly spend
- •Up to 12 local courier deliveries/year within the UAE, with AED 5,000 monthly spend
- •Car servicing and car registration assistance once a year each, with AED 5,000 monthly spend
- •Bicester Village shopping discounts
- •The Entertainer offers
About this card
- •Etihad Gold tier perks when you fly 3+ times a year
- •Lounge access (2 visits assumed): about AED 235
- •Cinema buy 1 get 1 (needs AED 5,000 of card spend a month): about AED 612
- •Purchase protection: about AED 150
- •Lifestyle benefits total: about AED 997
- •15kg extra baggage allowance: about AED 3,600
- •Etihad Lounge Abu Dhabi access: about AED 450
- •50% bonus flight miles: about AED 881
- •Complimentary seat selection: about AED 720
- •Gold soft perks (priority check-in, boarding, upgrade list and recognition): about AED 2,000
- •Etihad Gold tier total: about AED 7,651
- •Overall total estimated value: about AED 8,648
Every card is checked against official bank sources. Last updated November 2026.
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Featured in the Perkly Card Index
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Questions people ask
What does the EmiratesNBD Etihad Guest Visa Elevate earn?
An Emirates NBD Visa Infinite card earning Etihad Guest Miles: from 15 December 2026, 10 per AED 10 on Etihad Airways and Etihad.com, 7.5 on hotels and dining other than quick service restaurants, and 5 on most other spending in the UAE and abroad outside the EU and UK, on eligible retail spending up to AED 100,000 a billing cycle (or the credit limit if lower), with an AED 2,625 joining fee.
What does the EmiratesNBD Etihad Guest Visa Elevate cost?
Joining fee AED 2,625, then a renewal fee of AED 1,575 a year from the second year, both including VAT; Perkly records both from Emirates NBD's Key Facts Statement of August 2026. The Express Miles Programme is optional and costs AED 250 a month plus 5% VAT (AED 262.50).
What does spending abroad cost on the EmiratesNBD Etihad Guest Visa Elevate?
Spending abroad costs at least 3.14% all in: Emirates NBD's 1.99% on non-AED transactions plus about 1.15% charged by Visa, both published by Emirates NBD, plus any mark-up the merchant's acquirer charges, which Emirates NBD does not quantify. Retail spending in European Union countries and the UK earns 2.5 Etihad Guest Miles per AED 10 rather than 5 from 15 December 2026 (3 rather than 6 until 14 December 2026).
What should I watch out for with the EmiratesNBD Etihad Guest Visa Elevate?
The AED 2,625 joining fee is due in the first year, then a renewal fee of AED 1,575 a year from the second year. Earn rates fall on 15 December 2026: from then grocery and supermarkets and quick service restaurants earn only 1.25 Miles per AED 10, and fuel, bills, government services and education 0.5, against 5 on most other spending (1.5, 0.6 and 6 until 14 December 2026). Golf, concierge, valet, cinema and the Visa benefits each need at least AED 5,000 of card spending in the month you use them, and Emirates NBD's lounge rules apply the same AED 5,000 monthly spend to lounge visits.
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