FAB Etihad Guest Infinite Credit Card review
Etihad and partner spend earns 7 miles per AED 10, rising to 7.5 with the optional Miles Accelerator, while non-AED international spend earns 6 and domestic UAE spend earns 3.5. The accelerator requires enrolment at AED 250 a month, and each supplementary card carries a AED 250 annual fee.
The travel benefits are premium throughout: 55,000 welcome miles on activation with 5,000 more per supplementary card, fast-track Etihad Guest Gold status, unlimited worldwide lounge access for you and a guest across 1,000+ lounges, 4 in-flight Wi-Fi vouchers and 6 discounted airport transfers. Spend AED 200,000 in a year and you unlock a 75% Miles Discount Voucher.
With a AED 30,000 salary bar and a AED 2,500 annual fee, this is a card for committed Etihad travellers and high spenders. For those who fly the airline often, the elite earn rate and unlimited lounges justify the premium positioning.
Card details
| Bank | FAB |
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| Card type | Travel |
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| Card network | Visa Infinite |
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| Co-brand | Etihad Guest |
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| Minimum salary | AED 30,000 |
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| Annual fee | AED 2,625 |
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| Interest (monthly) | 3.99% |
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| Reward type | Etihad Guest Miles |
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| Reward rate | 7 miles per AED 10 on Etihad and partner spend; 6 miles per AED 10 on non-AED international spend; 3.5 miles per AED 10 on domestic UAE spend; up to 7.5 miles per AED 10 with the optional Miles AcceleratorThe Miles Accelerator programme, which lifts earnings to 7.5 miles per AED 10, requires enrolment at AED 250/month. The supplementary card carries a AED 250 annual fee A 75% Miles Discount Voucher is earned at AED 200,000 annual spend, along with fast-track Etihad Guest Gold status. Miles expiry is not stated |
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| Welcome bonus | 55,000 Etihad Guest Miles on activation, plus 5,000 miles for each supplementary cardOne-time joining miles during first year of card set-up | Miles awarded within 60 days of realization of Annual Fee payment | Card must be valid and in good standing |
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| Lounge access | Unlimited free worldwide lounge access for the cardholder and one guest across 1,000+ lounges |
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| Quick cash | Quick Cash available bank-wide |
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| Balance transfer | 0% balance transfer plans available bank-wide |
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| Instalment plan | 0% Easy Payment Plans available bank-wide |
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Welcome bonus: 55,000 Etihad Guest Miles on activation, plus 5,000 miles for each supplementary card
Terms: One-time joining miles during first year of card set-up | Miles awarded within 60 days of realization of Annual Fee payment | Card must be valid and in good standing
FAB Etihad Guest Infinite Credit Card benefits
✓7 miles/AED 10 on Etihad spend, up to 7.5 with the accelerator
✓55,000 welcome miles
✓Fast-track Etihad Guest Gold status
✓75% miles discount voucher at AED 200,000 spend
✓Unlimited lounge access plus a guest
✓4 in-flight Wi-Fi vouchers and 6 discounted airport transfers
Offers and payment options
Quick cashQuick Cash available bank-wide
Balance transfer0% balance transfer plans available bank-wide
Instalment plan0% Easy Payment Plans available bank-wide
FAB Etihad Guest Infinite Credit Card fees & charges
| Annual percentage rate (APR) | 47.88% (purchases and cash advance) |
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| Cash advance fee | 3.15% or AED 150 + VAT (157.50), whichever higher |
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| Late payment fee | 241.50 |
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| Over-limit fee | 303.18 |
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| Foreign currency fee | Up to 2.61% + VAT + scheme charges |
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| Minimum payment | 5% of outstanding or AED 100, whichever higher |
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| Interest-free period | 55 |
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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?
It suits frequent Etihad flyers and high spenders who want to maximise miles on every purchase.
What works well
- ✓Top-tier miles earn rate
- ✓Large welcome bonus
- ✓Fast-track elite status and unlimited lounges
What to weigh up
- −High annual fee of AED 2,500
- −Steep AED 30,000 salary requirement
- −The best accelerator rate costs AED 250/month
FAB Etihad Guest Infinite Credit Card eligibility
Min salary AED 30,000; UAE resident
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
FAB Etihad Guest Infinite Credit Card FAQs
Min salary AED 30,000; UAE resident
The listed annual fee is AED 2,625. Ask the bank whether a spend-based waiver is currently available.
7 miles per AED 10 on Etihad and partner spend; 6 miles per AED 10 on non-AED international spend; 3.5 miles per AED 10 on domestic UAE spend; up to 7.5 miles per AED 10 with the optional Miles Accelerator
It suits frequent Etihad flyers and high spenders who want to maximise miles on every purchase.
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.
