Etihad Guest Premium Credit Card review
Etihad Airways spend earns 3.5 miles per USD, the strongest rate in the Etihad Guest range, backed by up to 3 miles internationally, 2 miles across EEA and up to 2 miles domestically, with Tier Miles capped at 50,000 per membership year. New cardholders choose between 25,000 welcome miles at an AED 1,500 fee or 55,000 miles at AED 2,500.
The card fast-tracks to Etihad Guest Gold after AED 4,500 of Etihad spend, and layers in unlimited lounge access with a guest, four Abu Dhabi airport transfers a year, golf and valet parking privileges, and up to two 60% miles discount vouchers unlocked at AED 165,000 and AED 300,000 of spend. Cinema cashback of 50% capped at AED 100 monthly adds everyday value.
Given the high annual fee and spend-linked vouchers, the Premium rewards affluent, frequent Etihad flyers who can put serious spend through the card to reach Gold status and unlock its richest benefits.
Card details
| Bank | Emirates Islamic |
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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 20,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | AED 1,500 + VAT (AED 1,575) with 25,000 welcome miles, or an AED 2,500 option with 55,000 welcome miles. |
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| Interest (monthly) | 3.69% |
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| Reward type | Etihad Guest Miles |
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| Reward rate | Per USD 1 spent: 3.5 miles on Etihad Airways; up to 3 miles on international spend; 2 miles on EEA spend; up to 2 miles on domestic spend.The accelerated rate applies to Etihad Airways spend. Maximum 50,000 Etihad Guest Tier Miles per membership year. Redeem miles via etihadguest.com; an Etihad Guest account is created automatically if you do not already have one. |
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| Welcome bonus | Option 1: 25,000 miles with an AED 1,500 fee. Option 2: 55,000 miles with an AED 2,500 fee, awarded upon payment of the annual membership fee.Bonus credited upon payment of the annual membership fee | 25,000 miles with AED 1,500 fee | 55,000 miles with AED 2,500 fee |
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| Lounge access | Unlimited access to 1,200+ airport lounges with a guest; the first visit each year is complimentary, while subsequent visits require a USD 1+ foreign currency spend within 15 days. |
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| Quick cash | Cash advance available. |
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| Balance transfer | Balance transfer facility available. |
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| Instalment plan | 0% Easy Payment Plans. |
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Welcome bonus: Option 1: 25,000 miles with an AED 1,500 fee. Option 2: 55,000 miles with an AED 2,500 fee, awarded upon payment of the annual membership fee.
Terms: Bonus credited upon payment of the annual membership fee | 25,000 miles with AED 1,500 fee | 55,000 miles with AED 2,500 fee
Etihad Guest Premium Credit Card benefits
✓3.5 miles per USD on Etihad Airways
✓Fast-track to Etihad Guest Gold on AED 4,500 Etihad spend in 12 months
✓Up to two 60% miles discount vouchers on AED 165,000 and AED 300,000 spend
✓4 complimentary Abu Dhabi airport transfers per year
✓Golf and valet parking privileges
✓50% cinema cashback capped at AED 100 monthly
Offers and payment options
Quick cashCash advance available.
Balance transferBalance transfer facility available.
Instalment plan0% Easy Payment Plans.
Etihad Guest Premium Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% (purchase and cash advance) |
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| Cash advance fee | 3.15% of amount or AED 103.95, whichever is higher |
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| Late payment fee | 131.25 |
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| Over-limit fee | 261.45 |
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| Foreign currency fee | 2.54% |
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| Minimum payment | 5% of closing balance or AED 100, whichever is higher |
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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 is built for frequent Etihad flyers targeting Gold status and the highest miles earn.
What works well
- ✓Highest Etihad earn at 3.5 miles per USD
- ✓Gold tier fast-track
- ✓Generous discount vouchers and airport transfers
What to weigh up
- −High annual fee
- −Best value requires very high annual spend
Etihad Guest Premium Credit Card eligibility
High-income salaried UAE residents; minimum salary not confirmed on the official page.
▤Emirates ID▤Passport/visa copy▤Salary certificate or bank statements
Etihad Guest Premium Credit Card FAQs
High-income salaried UAE residents; minimum salary not confirmed on the official page.
The listed annual fee is AED 1,575. AED 1,500 + VAT (AED 1,575) with 25,000 welcome miles, or an AED 2,500 option with 55,000 welcome miles.
Per USD 1 spent: 3.5 miles on Etihad Airways; up to 3 miles on international spend; 2 miles on EEA spend; up to 2 miles on domestic spend.
This card is built for frequent Etihad flyers targeting Gold status and the highest miles earn.
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.
