ADIB Etihad Guest Visa Infinite Card review
Every AED 4 spent on Etihad Airways returns 3.5 Etihad Guest Miles, while local purchases earn 2.5 Miles and other international spend earns 3.5 Miles per AED 4 (dropping to 1.2 within the EEA and 1 Mile at Specific Merchants). Miles land straight in your Etihad Guest account, ready to redeem for flights, cabin upgrades and hotel stays.
Beyond earning, the card fast-tracks you to Etihad Guest Gold status and hands over a free companion ticket plus a complimentary upgrade voucher. Travel comfort is covered with unlimited 1+1 access to more than 1,000 global lounges, valet parking four times a month, two airport transfers a year, home check-in and monthly golf.
The trade-off is an AED 3000 annual fee, so the card rewards those who spend enough on travel to outweigh it. For frequent Etihad passengers chasing maximum miles and premium lounge comfort in the UAE, it is a natural fit.
Card details
| Bank | ADIB |
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| Card type | Premium |
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| Card network | Visa |
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| Co-brand | Etihad Guest |
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| Minimum salary | AED 30,000 |
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| Annual fee | AED 3,150 |
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| Fee waiver | Annual fee AED 3000 +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 | 3.5 Miles per AED 4 on Etihad Airways; 2.5 Miles per AED 4 on local spend; 3.5 Miles per AED 4 international (1.2 in the EEA); 1 Mile per AED 4 at Specific MerchantsSpecific Merchants earn the reduced 1 rate, while international spend within the EEA earns the reduced 1.2 rate. Miles are credited to your Etihad Guest account and can be redeemed for flights, cabin upgrades and hotels. The card also includes a free upgrade voucher. |
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| Welcome bonus | Up to 100,000 Etihad Guest Miles: 75,000 on activation within 30 days + 25,000 when you spend AED 60,000 within 90 days (limited-time extra 25,000 on first transaction within 30 days)75,000 miles on card activation within 30 days | 25,000 miles on AED 60,000 spend within 90 days of issuance | Limited-time extra 25,000 miles on first transaction within 30 days | Limited-time offer, no fixed expiry date published |
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| Lounge access | Unlimited access for the cardholder plus one guest to more than 1,000 lounges worldwide. |
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Welcome bonus: Up to 100,000 Etihad Guest Miles: 75,000 on activation within 30 days + 25,000 when you spend AED 60,000 within 90 days (limited-time extra 25,000 on first transaction within 30 days)
Terms: 75,000 miles on card activation within 30 days | 25,000 miles on AED 60,000 spend within 90 days of issuance | Limited-time extra 25,000 miles on first transaction within 30 days | Limited-time offer, no fixed expiry date published
ADIB Etihad Guest Visa Infinite Card benefits
✓Earn 3.5 Etihad Guest Miles per AED 4 on Etihad Airways spend
✓Fast track to Etihad Guest Gold membership
✓Unlimited 1+1 lounge access to 1,000+ lounges worldwide
✓Valet parking 4x monthly plus 2 airport transfers a year and home check-in
✓Complimentary monthly golf
✓Free companion ticket and free upgrade voucher
ADIB Etihad Guest Visa Infinite 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 suits frequent Etihad flyers and premium travellers who want the highest miles earn and unlimited lounge access.
What works well
- ✓Market-leading miles earn on Etihad spend
- ✓Unlimited 1+1 airport lounge access
- ✓Generous travel perks including a free upgrade voucher
What to weigh up
- −Very high annual fee of AED 3000
- −Reduced earn rate at Specific Merchants
ADIB Etihad Guest Visa Infinite Card eligibility
Minimum salary AED 30000 (per third-party source fintechnews.ae); UAE resident aged 21 or above.
▤Emirates ID▤Passport/Visa▤Salary certificate / bank statements
ADIB Etihad Guest Visa Infinite Card FAQs
Minimum salary AED 30000 (per third-party source fintechnews.ae); UAE resident aged 21 or above.
The listed annual fee is AED 3,150. Annual fee AED 3000 +5% VAT.
3.5 Miles per AED 4 on Etihad Airways; 2.5 Miles per AED 4 on local spend; 3.5 Miles per AED 4 international (1.2 in the EEA); 1 Mile per AED 4 at Specific Merchants
This card suits frequent Etihad flyers and premium travellers who want the highest miles earn and unlimited lounge access.
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.
