Etihad Guest Visa Elevate review
The card earns 1 Etihad Guest Mile per AED 1 (10 per AED 10) on Etihad, hotels, dining and EY.com, 0.6 per AED on international and domestic spends and 0.3 per AED on EU/UK. Everyday categories earn 1.5 miles per AED 10 on grocery, supermarket, fast-food, insurance and car dealers and 0.6 per AED 10 on petrol, transit, government, utility, real estate, education and telecom, while every spend also collects 2.5 Etihad Tier Miles.
A welcome miles offer tied to the current campaign comes with a fast track to Gold Tier and a discount voucher, and cardholders unlock tiered 75%/50%/25% miles discount vouchers. Miles redeem for Etihad flights, upgrades and hotels.
With complimentary access to more than 1,000 airport lounges through the Visa Airport Companion app plus concierge support, the card is best suited to frequent Etihad flyers chasing status and accelerated miles.
Card details
| Bank | Emirates NBD |
|---|
| Card type | Travel |
|---|
| Card network | Visa |
|---|
| Co-brand | Etihad Guest |
|---|
| Minimum salary | AED 30,000 |
|---|
| Min salary discount | 5000 AED, depends on bank officialsPossible reduction of the stated minimum salary requirement, at the bank's discretion. |
|---|
| Annual fee | AED 1,575 |
|---|
| Fee waiver | Annual fee AED 1,575 (incl. VAT) |
|---|
| Joining fee (one-time) | AED 2,625 |
|---|
| Interest (monthly) | 3.25% |
|---|
| Reward type | Etihad Guest Miles |
|---|
| Reward rate | Earn 1 Etihad Guest Mile per AED 1 (10 per AED 10) on Etihad, hotels, dining and EY.com; 0.6 per AED on international and domestic spends; 0.3 per AED on EU/UK10 miles per AED 10 on Etihad and travel; 6 per AED 10 international and domestic; 3 per AED 10 on EU/UK; 1.5 per AED 10 on grocery, supermarket, fast-food, insurance and car dealers; 0.6 per AED 10 on petrol, transit, government, utility, real estate, education and telecom. Plus 2.5 Etihad Tier Miles on all spends Enjoy a fast track to Etihad Guest Gold Tier and tiered 75%/50%/25% miles discount vouchers. Redeem for Etihad flights, upgrades and hotels. Foreign currency transaction fee is 1.99% |
|---|
| Welcome bonus | Up to 200,000 Etihad Guest Miles: 40,000 on joining fee payment, 60,000 on AED 90,000 spend and 100,000 on AED 120,000 spend within 6 months of issuance; plus fast track to Gold TierFirst/joining year only | 40,000 Miles on payment of joining fee | 60,000 Miles on minimum AED 90,000 spend within 6 months of card issuance | 100,000 Miles on minimum AED 120,000 spend within 6 months of card issuance | Fast track to Etihad Guest Gold Tier on one return Etihad flight within 6 months | 50% redemption discount voucher on every AED 150,000 spend (max 2 per annum) | Limited time 10% cashback on Etihad Airways spends capped at AED 800 | Bonus credited only after joining fee paid and card activated |
|---|
| Lounge access | Complimentary access to over 1,000 airport lounges worldwide via the Visa Airport Companion app, plus concierge services |
|---|
| Quick cash | Draw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer. |
|---|
| Balance transfer | Balance transfer offered on standard ENBD terms, either 0% with a processing fee or interest-bearing |
|---|
| Instalment plan | 0% and interest-bearing Easy Payment Plans (EPP) are available; 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month), with an early-settlement fee of 1.05% |
|---|
Welcome bonus: Up to 200,000 Etihad Guest Miles: 40,000 on joining fee payment, 60,000 on AED 90,000 spend and 100,000 on AED 120,000 spend within 6 months of issuance; plus fast track to Gold Tier
Terms: First/joining year only | 40,000 Miles on payment of joining fee | 60,000 Miles on minimum AED 90,000 spend within 6 months of card issuance | 100,000 Miles on minimum AED 120,000 spend within 6 months of card issuance | Fast track to Etihad Guest Gold Tier on one return Etihad flight within 6 months | 50% redemption discount voucher on every AED 150,000 spend (max 2 per annum) | Limited time 10% cashback on Etihad Airways spends capped at AED 800 | Bonus credited only after joining fee paid and card activated
Etihad Guest Visa Elevate benefits
✓Accelerated Etihad Guest Miles on Etihad and travel spends
✓Welcome miles offer plus fast track to Gold Tier
✓1 Etihad Guest Mile per AED 1 on Etihad, hotels and dining
✓Tiered 75%/50%/25% miles discount vouchers
✓Complimentary access to 1,000+ airport lounges with Visa Airport Companion
Offers and payment options
Quick cashDraw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer.
Balance transferBalance transfer offered on standard ENBD terms, either 0% with a processing fee or interest-bearing
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) are available; 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month), with an early-settlement fee of 1.05%
Etihad Guest Visa Elevate fees & charges
| Annual percentage rate (APR) | 39.00% p.a. |
|---|
| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher |
|---|
| Late payment fee | AED 241.50 per month |
|---|
| Over-limit fee | AED 292.95 per month |
|---|
| Foreign currency fee | 1.99% |
|---|
| Minimum payment | 5% of the total payment due or AED 100, whichever is higher |
|---|
| Interest-free period | 25 to 55 days from transaction date |
|---|
| Card replacement fee | AED 21.00 (AED 52.50 for Go4it cards) |
|---|
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 Etihad Airways flyers who want accelerated Guest Miles and Gold status.
What works well
- ✓1 mile per AED on Etihad and travel spends
- ✓Fast track to Etihad Guest Gold Tier
- ✓Tier miles plus discount vouchers
What to weigh up
- −High AED 30,000 salary requirement
- −Reduced earn on everyday categories
Etihad Guest Visa Elevate eligibility
Minimum salary of AED 30,000 per month; UAE resident aged 21 or over with a valid Emirates ID
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
Etihad Guest Visa Elevate FAQs
Minimum salary of AED 30,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The listed annual fee is AED 1,575. Annual fee AED 1,575 (incl. VAT)
Earn 1 Etihad Guest Mile per AED 1 (10 per AED 10) on Etihad, hotels, dining and EY.com; 0.6 per AED on international and domestic spends; 0.3 per AED on EU/UK
This card suits Etihad Airways flyers who want accelerated Guest Miles and Gold status.
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.
