Best Etihad Guest credit cards in the UAE: September 2026

10 Etihad Guest Miles per AED 10 on Etihad Airways and etihad.com, hotels and dining, and 6 on most other spending at home and abroad (3 in the EU and UK). Groceries, fast food, insurance and car dealers earn 1.5, and fuel, bills, transport, education and government services 0.6. A fast track to Etihad Guest Gold after 1 return Etihad flight within 6 months of getting the card. Lounge access at 1,000+ lounges through the Visa Airport Companion app covers a yearly number of visits that ENBD does not publish, and needs a foreign currency purchase of at least USD 1 made 10 days or more before. AED 2,625 to join in the first year, then AED 1,575 a year from the second year, minimum salary AED 30,000.

ADIB's entry Etihad card: 1.5 Etihad Guest Miles per AED 4 on international spending (0.6 in the European Economic Area), 1 on local spending and 0.5 at supermarkets, petrol stations, utilities and other listed merchants. 2 free lounge visits a year for the cardholder, now through the Visa Airport Companion app, a fast track to Etihad Guest Silver after 4 return Etihad flights within 12 months and a free companion ticket voucher at AED 150,000 of annual spend. AED 1,050 a year including VAT. Shariah-compliant.

3.5 Miles per USD at Etihad Airways, 3 on other international spending (2 in Europe and the UK), 2 on local spending and 0.3 on groceries, fuel, bills, fast food and other listed categories. A fast track to Gold after AED 4,500 of Etihad spend within 12 months (Gold for the first year only), 1 complimentary lounge visit a year, 4 Abu Dhabi airport transfers a year when you have paid Etihad with the card in the previous 6 months, and unlimited golf at 5 UAE courses in months you spend AED 10,000. AED 2,625 a year, or AED 1,575 on Emirates Islamic's lower-fee option, which is the one its current campaign runs on: up to 200,000 Miles, 120,000 of them for AED 60,000 of spending in 3 months, for applications before 31 October 2026. Minimum salary AED 20,000.

ADIB's top Etihad card: 3.5 Miles per AED 4 on Etihad and foreign spending (1.2 in the European Economic Area), 2.5 on local spending and 1 at supermarkets, petrol stations, utilities and other listed merchants. Complimentary Silver with a fast track to Gold after AED 4,500 of Etihad spend in the first 12 months, unlimited lounge access for you and a guest through the Visa Airport Companion app, 2 Abu Dhabi airport transfers a year, golf for you and a guest once a month, a free companion ticket voucher at AED 150,000 of annual spend and an upgrade voucher at AED 350,000. AED 3,150 a year including VAT. Shariah-compliant.

3 Miles per AED 4 on international spending (1.2 in the European Economic Area), 2.2 on local spending and 1 at supermarkets, petrol stations, utilities and other listed merchants. 4 free lounge visits a year for the cardholder, now through the Visa Airport Companion app, a fast track to Gold after 2 return Etihad flights within 12 months and a free companion ticket voucher at AED 150,000 of annual spend. AED 2,100 a year including VAT. Shariah-compliant.