ADIB Etihad Guest Gold Card review
Local spend earns 1 Etihad Guest Mile per AED 4, rising to 1.5 Miles per AED 4 on international purchases, while Specific Merchants and EEA transactions earn reduced rates of 0.5 and 0.6 respectively. Miles credit straight to your Etihad Guest account for flights, upgrades and hotels.
New cardholders receive 35,000 welcome Etihad Guest Miles per third-party sourcing, with the ADIB listing advertising up to 100,000 in total bonus miles potential. The card also fast-tracks to Etihad Guest Silver, includes LoungeKey access twice a year and a free companion ticket.
With a AED 1,000 annual fee, the Gold card suits Etihad flyers who value direct miles and a companion ticket at an entry level, though the two lounge visits a year and reduced earn at Specific Merchants are worth weighing.
Card details
| Bank | ADIB |
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| Card type | Travel |
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| Card network | Visa |
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| Co-brand | Etihad Guest |
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| Minimum salary | AED 10,000 |
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| Annual fee | AED 1,050 |
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| Fee waiver | Annual fee of AED 1,000 + 5% VAT. |
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| Interest (monthly) | 3.75% |
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| Reward type | Etihad Guest Miles |
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| Reward rate | 1 Etihad Guest Mile per AED 4 on local spend; 1.5 Miles per AED 4 on international spend (0.6 in the EEA); 0.5 Mile per AED 4 at Specific Merchants.Specific Merchants earn the reduced 0.5 rate, and EEA international spend earns the reduced 0.6 rate. Miles are credited to your Etihad Guest account and can be redeemed for flights, upgrades and hotels. |
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| Welcome bonus | 35,000 welcome Etihad Guest Miles (per third-party source); the ADIB listing advertises up to 100,000 total bonus miles potential.35,000 base welcome miles | 15,000 miles on card activation and first transaction within 30 days | 50,000 miles on AED 15,000 minimum spend within 60 days of issuance | Free companion ticket voucher on AED 150,000 annual spend | Limited-time offer, no fixed expiry date published |
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| Lounge access | Lounge access via LoungeKey 2 times per year. |
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Welcome bonus: 35,000 welcome Etihad Guest Miles (per third-party source); the ADIB listing advertises up to 100,000 total bonus miles potential.
Terms: 35,000 base welcome miles | 15,000 miles on card activation and first transaction within 30 days | 50,000 miles on AED 15,000 minimum spend within 60 days of issuance | Free companion ticket voucher on AED 150,000 annual spend | Limited-time offer, no fixed expiry date published
ADIB Etihad Guest Gold Card benefits
✓1 Etihad Guest Mile per AED 4 on local spend
✓Fast-track to Etihad Guest Silver membership
✓LoungeKey access 2 times per year
✓Free companion ticket
ADIB Etihad Guest Gold Card fees & charges
| Annual percentage rate (APR) | 45.63% |
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| Cash advance fee | 3% of withdrawal amount, minimum AED 103.95 (AED 99 + 5% VAT) |
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| Late payment fee | 100 |
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| Foreign currency fee | 2.3% non-AED transaction service fee (plus Visa/MC FX spread); 1.99% for AED international transactions |
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| Minimum payment | 5% of Present Balance plus any installment/EPP amounts, minimum AED 100 |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 78.75 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card fits Etihad flyers who want entry-level miles earn with a free companion ticket.
What works well
- ✓Direct Etihad Guest Miles earn
- ✓Silver tier fast-track
- ✓Free companion ticket
What to weigh up
- −High annual fee of AED 1,000
- −Only 2 lounge visits per year
- −Reduced earn at Specific Merchants
ADIB Etihad Guest Gold Card eligibility
Minimum salary AED 10,000 (per third-party source); UAE resident; age 21+.
▤Emirates ID▤Passport/Visa▤Salary certificate / bank statements
ADIB Etihad Guest Gold Card FAQs
Minimum salary AED 10,000 (per third-party source); UAE resident; age 21+.
The listed annual fee is AED 1,050. Annual fee of AED 1,000 + 5% VAT.
1 Etihad Guest Mile per AED 4 on local spend; 1.5 Miles per AED 4 on international spend (0.6 in the EEA); 0.5 Mile per AED 4 at Specific Merchants.
This card fits Etihad flyers who want entry-level miles earn with a free companion ticket.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
