First Abu Dhabi Bank
FAB Etihad Guest Signature Islamic Credit Card
The FAB Etihad Guest Signature Islamic Credit Card is a travel credit card from First Abu Dhabi Bank. It has an annual fee of AED 1,575, and needs a minimum salary of AED 15,000 a month.
Annual fee
AED 1,575
Joining fee
Free
Min. salary
AED 15,000/mo
Rewards in
Etihad Guest Miles
Material
Plastic
Card highlights
- Earn up to 5.5 Etihad Guest Miles per AED 10 on Etihad and Partners, 4.5 on international spend, 2.75 on UAE spend
- 2.5 Etihad Tier Miles per AED 10 on all spend, plus fast-track to Etihad Guest Silver with 2 return flights in 6 months
- Up to 8 free airport lounge visits a year (1,000+ lounges via DragonPass) and 2 discounted airport transfers a year from AED 40
- 50% Miles Discount Voucher yearly on AED 150,000 spend; 2 complimentary 24-hour inflight Wi-Fi vouchers on Etihad
Earn rates
| Category | Rate |
|---|---|
| Travel | 6.46% |
| International spend | 5.29% |
| Retail | 3.23% |
| Dining & food | 3.23% |
| Online shopping | 3.23% |
| Real estate | 3.23% |
| Supermarket | 1.76% |
| Fuel | 1.76% |
| Utilities | 1.76% |
| Education | 1.76% |
| Transport | 1.76% |
Rewards on this card are capped at AED 3,525 a month across all categories (about AED 42,300 a year).
Current welcome offer
Earn up to 140,000 Etihad Guest Miles on joining (limited-time offer, ends 30 November 2026)
- 70,000 joining Miles (35,000 standard plus a 35,000 campaign bonus) on card activation
- 70,000 Miles for spending AED 60,000 on retail purchases within 3 months of card issuance
- 5,000 Miles for each supplementary card activated
- First year annual fee waived for Emirati customers
- New applicants only; not available to existing FAB or FAB Islamic credit card holders, or anyone who holds or has held a FAB Etihad Guest card
Expected offer expiry: November 2026
Benefits & perks
- •50% Miles Discount Voucher on a reward flight to any destination in any class (with AED 150,000 annual spend)
- •Fast track to Etihad Guest Silver status with 2 Etihad return flights within 6 months of card activation
- •Up to 8 free airport lounge visits per year at 1,000+ lounges worldwide via DragonPass
- •2 free inflight Wi-Fi vouchers (up to 24 hours each) on Etihad flights
- •Double Tier Miles on all purchases in the first 90 days
- •Travel Accident Insurance of up to USD 500,000
- •International Medical and Travel Assistance: emergency medical expenses, trip cancellation and delayed departure
- •Buyers Protection cover
- •12-month Extended Warranty beyond the manufacturer's
- •Fraudulent Card Misuse Protection against unauthorised transactions
- •2 discounted airport transfers per year from AED 40 within city (booked via ENA Travels)
- •24/7 Travel Concierge Service
- •Discounts at prestigious golf courses
- •Visa cardholder offers and discounts
- •Supplementary card available (AED 262.50 including VAT)
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the First Abu Dhabi Bank FAB Etihad Guest Signature Islamic Credit Card earn?
A FAB Islamic card with an AED 1,575 annual fee earning up to 30,000 Etihad Guest Miles a month: 5.5 per AED 10 on Etihad and Etihad Airways Partners tickets booked online on their websites, 4.5 on non-AED international spending and 2.75 on UAE spending, with 1.5 on supermarkets, utilities, fuel, transport, education and government services, plus Tier Miles and up to 8 free lounge visits a year.
What does the First Abu Dhabi Bank FAB Etihad Guest Signature Islamic Credit Card cost?
Annual fee AED 1,575 including VAT (FAB's page shows AED 1,500 excluding VAT). No joining fee. Supplementary cards cost AED 262.50 a year, including VAT (AED 250 before VAT in FAB's Islamic schedule).
What does spending abroad cost on the First Abu Dhabi Bank FAB Etihad Guest Signature Islamic Credit Card?
Spending abroad costs about 3.76% all in: FAB's international transaction fee of 2.61%, charged on international transactions in AED and non-AED currencies alike, plus 1.15% scheme charges; FAB's Islamic Key Facts Statement (October 2025) and its Islamic schedule of charges both give these figures, and the schedule says its fees are inclusive of VAT, if any. Non-AED international spending earns 4.5 Miles per AED 10, and Perkly has no record of a lower rate in the UK or Europe.
What should I watch out for with the First Abu Dhabi Bank FAB Etihad Guest Signature Islamic Credit Card?
The 5.5 Miles rate is only for Etihad and Etihad Airways Partners tickets booked online directly on their websites; other airlines earn the ordinary rate. The lounge access is up to 8 visits a year, not unlimited as on the conventional Signature card.
More from First Abu Dhabi Bank
FAB Etihad Guest Infinite Credit Card
- Earn up to 7 Etihad Guest Miles per AED 10 on Etihad bookings, 6 on international spend, 3.5 on UAE spend
- Unlimited complimentary lounge access for cardholder and one guest at 1,000+ lounges worldwide via Visa
Updated November 2026
FAB Etihad Guest Infinite Islamic Credit Card
- Earn up to 7 Etihad Guest Miles per AED 10 on Etihad, 6 on international spend, 3.5 on UAE domestic spend
- 2.5 Etihad Tier Miles per AED 10 spent, plus fast-track to Etihad Guest Gold on one return Etihad flight within 6 months
Updated November 2026