FAB Etihad Guest Signature Credit Card review
Etihad and partner spend earns 5.5 miles per AED 10, climbing to 6.5 with the optional Miles Accelerator, while non-AED international spend earns 4.5, domestic UAE spend earns 2.75, and every AED 10 also earns 2.5 Tier Miles toward status. The accelerator requires AED 250 monthly enrolment, and each supplementary card costs AED 250 a year.
Travel perks include 35,000 welcome miles on activation with 5,000 more per supplementary card, fast-track Etihad Guest Silver status, unlimited access to 1,000+ airport lounges worldwide, 2 in-flight Wi-Fi vouchers and 4 cinema tickets a month at AED 20. Reaching AED 150,000 in annual spend earns a 50% miles discount voucher.
With a AED 15,000 salary bar and a AED 1,500 annual fee, the Signature sits a tier below the Infinite while still delivering unlimited lounges and a healthy miles rate, making it well suited to regular Etihad flyers.
Card details
| Bank | FAB |
|---|
| Card type | Travel |
|---|
| Card network | Visa Signature |
|---|
| Co-brand | Etihad Guest |
|---|
| Minimum salary | AED 15,000 |
|---|
| Annual fee | AED 1,575 |
|---|
| Interest (monthly) | 3.99% |
|---|
| Reward type | Etihad Guest Miles |
|---|
| Reward rate | 5.5 miles per AED 10 on Etihad and partner spend; 4.5 miles per AED 10 on non-AED international spend; 2.75 miles per AED 10 on domestic UAE spend; up to 6.5 miles per AED 10 with the optional Miles Accelerator; plus 2.5 Tier Miles per AED 10The Miles Accelerator, which lifts earnings to 6.5 miles per AED 10, requires enrolment at AED 250/month. The supplementary card carries a AED 250 annual fee A 50% miles discount voucher is earned at AED 150,000 annual spend, along with fast-track Etihad Guest Silver status. Miles expiry is not stated |
|---|
| Welcome bonus | 35,000 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 |
|---|
| Lounge access | Unlimited free access to 1,000+ airport lounges worldwide |
|---|
| Quick cash | Quick Cash available bank-wide |
|---|
| Balance transfer | 0% balance transfer plans available bank-wide |
|---|
| Instalment plan | 0% Easy Payment Plans available bank-wide |
|---|
Welcome bonus: 35,000 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 Signature Credit Card benefits
✓5.5 miles/AED 10 on Etihad spend, up to 6.5 with the accelerator
✓35,000 welcome miles
✓Fast-track Etihad Guest Silver status
✓50% miles discount voucher at AED 150,000 spend
✓Unlimited lounge access
✓2 in-flight Wi-Fi vouchers and 4 cinema tickets/month at AED 20
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 Signature Credit Card fees & charges
| Annual percentage rate (APR) | 47.88% (purchases and cash advance) |
|---|
| Cash advance fee | 3.15% or AED 150 + VAT (157.50), whichever higher |
|---|
| Late payment fee | 241.50 |
|---|
| Over-limit fee | 303.18 |
|---|
| Foreign currency fee | Up to 2.61% + VAT + scheme charges |
|---|
| Minimum payment | 5% of outstanding or AED 100, whichever higher |
|---|
| Interest-free period | 55 |
|---|
| Card replacement fee | 78.75 |
|---|
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 regular Etihad flyers who want solid miles without the Infinite card's higher salary requirement.
What works well
- ✓Strong miles earn rate
- ✓Good welcome bonus
- ✓Unlimited lounge access
What to weigh up
- −AED 1,500 annual fee
- −The accelerator rate costs an extra AED 250/month
FAB Etihad Guest Signature Credit Card eligibility
Min salary AED 15,000; UAE resident
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
FAB Etihad Guest Signature Credit Card FAQs
Min salary AED 15,000; UAE resident
The listed annual fee is AED 1,575. Ask the bank whether a spend-based waiver is currently available.
5.5 miles per AED 10 on Etihad and partner spend; 4.5 miles per AED 10 on non-AED international spend; 2.75 miles per AED 10 on domestic UAE spend; up to 6.5 miles per AED 10 with the optional Miles Accelerator; plus 2.5 Tier Miles per AED 10
It suits regular Etihad flyers who want solid miles without the Infinite card's higher salary requirement.
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.
