Etihad Guest Visa Inspire review
The card earns 0.7 Etihad Guest Mile per AED 1 (7 per AED 10) on Etihad, hotels, dining and EY.com, 0.4 per AED on international and domestic spends and 0.2 per AED on EU/UK. Everyday categories earn 1.5 miles per AED 10 on grocery, supermarket, fast-food, insurance and car dealers and 0.4 per AED 10 on petrol, transit, government, utility, real estate, education and telecom.
A welcome miles offer tied to the current campaign comes with a fast track to Etihad Guest Silver Tier, and miles redeem for Etihad flights, upgrades and hotels.
Complimentary access to more than 1,000 airport lounges through the Visa Airport Companion app makes it a well-rounded option for Etihad flyers who want accelerated miles at an accessible AED 12,000 salary entry.
Card details
| Bank | Emirates NBD |
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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 12,000 |
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| Annual fee | AED 735 |
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| Fee waiver | Annual fee AED 735. You can request the bank for the first year free offer |
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| Joining fee (one-time) | AED 1,575 |
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| Interest (monthly) | 3.25% |
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| Reward type | Etihad Guest Miles |
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| Reward rate | Earn 0.7 Etihad Guest Mile per AED 1 (7 per AED 10) on Etihad, hotels, dining and EY.com; 0.4 per AED on international and domestic spends; 0.2 per AED on EU/UK7 miles per AED 10 on Etihad and travel; 4 per AED 10 international and domestic; 2 per AED 10 on EU/UK; 1.5 per AED 10 on grocery, supermarket, fast-food, insurance and car dealers; 0.4 per AED 10 on petrol, transit, government, utility, real estate, education and telecom Enjoy a fast track to Etihad Guest Silver Tier. Redeem for Etihad flights, upgrades and hotels. Foreign currency transaction fee is 1.99% |
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| Welcome bonus | Up to 60,000 Etihad Guest Miles: 20,000 on joining fee payment plus 40,000 on AED 60,000 spend within 6 months of issuance; plus fast track to Silver TierFirst/joining year only | 20,000 Miles on payment of joining fee | 40,000 Miles on minimum AED 60,000 spend within 6 months of card issuance | Fast track to Etihad Guest Silver Tier on one return Etihad flight within 6 months | 25% redemption discount voucher on every AED 100,000 spend (max 2 per annum) | Limited time 10% cashback on Etihad Airways spends capped at AED 400 | Bonus credited only after joining fee paid and card activated |
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| Lounge access | Complimentary airport lounge access to over 1,000 lounges worldwide via the Visa Airport Companion app |
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| 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. |
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| Balance transfer | Balance transfer offered on standard ENBD terms, either 0% with a processing fee or interest-bearing |
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| 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% |
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Welcome bonus: Up to 60,000 Etihad Guest Miles: 20,000 on joining fee payment plus 40,000 on AED 60,000 spend within 6 months of issuance; plus fast track to Silver Tier
Terms: First/joining year only | 20,000 Miles on payment of joining fee | 40,000 Miles on minimum AED 60,000 spend within 6 months of card issuance | Fast track to Etihad Guest Silver Tier on one return Etihad flight within 6 months | 25% redemption discount voucher on every AED 100,000 spend (max 2 per annum) | Limited time 10% cashback on Etihad Airways spends capped at AED 400 | Bonus credited only after joining fee paid and card activated
Etihad Guest Visa Inspire benefits
✓Accelerated Etihad Guest Miles at a lower salary entry
✓Welcome miles offer plus fast track to Silver Tier
✓0.7 Etihad Guest Mile per AED 1 on Etihad, hotels and dining
✓Complimentary access to 1,000+ airport lounges with Visa Airport Companion
✓Redeem for Etihad flights, upgrades and hotels
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 Inspire fees & charges
| Annual percentage rate (APR) | 39.00% p.a. (3.25% per month) |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher |
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| Late payment fee | AED 241.50 per month |
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| Over-limit fee | AED 292.95 per month |
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| Foreign currency fee | 1.99% |
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| Minimum payment | 5% of the total payment due or AED 100, whichever is higher |
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| Interest-free period | 25 to 55 days from transaction date |
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| Card replacement fee | AED 21.00 (AED 52.50 for Go4it cards) |
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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 Etihad flyers who want a mid-tier miles card at an AED 12,000 salary.
What works well
- ✓Accelerated Etihad miles at a lower salary entry
- ✓Fast track to Silver Tier
- ✓Complimentary airport lounge access
What to weigh up
- −Lower earn rate than the Elevate card
- −Reduced earn on everyday categories
Etihad Guest Visa Inspire eligibility
Minimum salary of AED 12,000 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 Inspire FAQs
Minimum salary of AED 12,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The listed annual fee is AED 735. Annual fee AED 735. You can request the bank for the first year free offer
Earn 0.7 Etihad Guest Mile per AED 1 (7 per AED 10) on Etihad, hotels, dining and EY.com; 0.4 per AED on international and domestic spends; 0.2 per AED on EU/UK
This card suits Etihad flyers who want a mid-tier miles card at an AED 12,000 salary.
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.
