FAB Etihad Guest Platinum Credit Card review
Cardholders earn 4 miles per AED 10 on Etihad and partner purchases, 3.5 miles per AED 10 on non-AED international spend and 2 miles per AED 10 on domestic UAE spend. Adding the optional Miles Accelerator for AED 250 a month lifts the top rate to 5.5 miles per AED 10, while supplementary cards carry a AED 250 annual fee.
Beyond the miles, a 10,000-mile welcome bonus gets your balance started, and hitting AED 100,000 in annual spend unlocks a 25% miles discount voucher. Lifestyle extras include two discounted airport transfers a year from AED 40, four AED 20 cinema tickets each month and golf course discounts.
With a AED 8,000 salary requirement and a AED 500 annual fee, this is a sensible pick for occasional Etihad flyers who want to build miles gradually rather than chase premium travel perks.
Card details
| Bank | FAB |
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| Card type | Travel |
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| Card network | Visa Platinum |
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| Co-brand | Etihad Guest |
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| Minimum salary | AED 8,000 |
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| Annual fee | AED 525 |
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| Interest (monthly) | 3.99% |
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| Reward type | Etihad Guest Miles |
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| Reward rate | Earn 4 miles per AED 10 on Etihad and partner spend, 3.5 miles per AED 10 on non-AED international spend and 2 miles per AED 10 on domestic UAE spend, rising to as much as 5.5 miles per AED 10 with the optional Miles Accelerator.The 5.5 miles per AED 10 Miles Accelerator rate requires enrolment at AED 250 per month. Supplementary cards carry an annual fee of AED 250. Receive a 25% miles discount voucher once annual spend reaches AED 100,000. Miles expiry is not stated. |
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| Welcome bonus | 10,000 Etihad Guest Miles as a welcome bonus.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 |
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| Lounge access | Not stated on the detail page (limited or none). |
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| Quick cash | Quick Cash is available across FAB cards. |
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| Balance transfer | 0% balance transfer plans are available across FAB cards. |
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| Instalment plan | 0% Easy Payment Plans are available across FAB cards. |
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Welcome bonus: 10,000 Etihad Guest Miles as a welcome bonus.
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 Platinum Credit Card benefits
✓4 miles per AED 10 on Etihad spend (up to 5.5 with the accelerator)
✓10,000 welcome miles
✓25% miles discount voucher at AED 100,000 spend
✓2 discounted airport transfers a year from AED 40
✓4 cinema tickets a month at AED 20
✓Golf course discounts
Offers and payment options
Quick cashQuick Cash is available across FAB cards.
Balance transfer0% balance transfer plans are available across FAB cards.
Instalment plan0% Easy Payment Plans are available across FAB cards.
FAB Etihad Guest Platinum 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?
This card suits occasional Etihad flyers who want to collect miles without paying a steep annual fee.
What works well
- ✓Accessible entry point into Etihad Guest miles
- ✓Low annual fee
- ✓Achievable salary requirement
What to weigh up
- −Lower earn rate than premium tiers
- −Lounge access not highlighted
- −Modest welcome bonus
FAB Etihad Guest Platinum Credit Card eligibility
Minimum salary AED 8,000; UAE resident.
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
FAB Etihad Guest Platinum Credit Card FAQs
Minimum salary AED 8,000; UAE resident.
The listed annual fee is AED 525. Ask the bank whether a spend-based waiver is currently available.
Earn 4 miles per AED 10 on Etihad and partner spend, 3.5 miles per AED 10 on non-AED international spend and 2 miles per AED 10 on domestic UAE spend, rising to as much as 5.5 miles per AED 10 with the optional Miles Accelerator.
This card suits occasional Etihad flyers who want to collect miles without paying a steep annual fee.
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.
