Calculator · Etihad Guest
Every UAE Etihad Guest card quotes its earn rate in different units - per AED 1, per AED 4, per AED 10 or per USD 1 - which makes them almost impossible to compare by eye. This page puts all 12 on the same scale, then ranks them against the spending you actually do.
New to the programme? Start with the Etihad Guest Miles guide →
Split your monthly card spending across the four categories that the Etihad Guest cards price differently, and this works out what each of the 12 UAE co-branded cards would earn you over a year - in miles, in dirhams at the official cash floor, and after the annual fee is paid.
The ranking appears here when the page loads. The full earn-rate table further down works either way.
Earn rates come from each bank's own official card page and are normalised to miles per AED 1 so that the cards sit on one scale. Cash values use the only conversion Etihad publishes itself - the Reward Card, at 1.4 to 1.6 miles per US cent - which is a floor rather than a ceiling, because reward flights usually return more per mile.
This is the table the calculator runs on. Every figure is miles per AED 1 of spend, so 0.60 beats 0.40 whatever units the bank quotes in its own marketing. Cards are ordered by their rate on ordinary UAE spending, the largest category for most cardholders.
| Card | Etihad and partners | International | UAE spend | EEA and UK | Tier Miles | Annual fee |
|---|---|---|---|---|---|---|
| ADIB Etihad Guest Visa InfinitecADIB | 0.88 | 0.88 | 0.62 | 0.30 | - | AED 3,150 |
| Etihad Guest Visa ElevateEmirates NBD | 1.00 | 0.60 | 0.60 | 0.30 | 0.25 | AED 1,575 |
| ADIB Etihad Guest Visa Platinumc, dADIB | standard rate | 0.75 | 0.55 | 0.30 | - | AED 2,100 |
| Etihad Guest PremiumaEmirates Islamic | 0.95 | 0.82 | 0.54 | 0.54 | - | AED 1,575 |
| Etihad Guest SaqeraEmirates Islamic | 0.82 | 0.54 | 0.41 | 0.41 | - | AED 943.95 |
| Etihad Guest Ameeraa, eEmirates Islamic | 0.82 | 0.54 | 0.41 | 0.41 | - | AED 733.95 |
| Etihad Guest Visa InspireEmirates NBD | 0.70 | 0.40 | 0.40 | 0.20 | 0.25 | AED 735 |
| FAB Etihad Guest InfinitebFAB | 0.70 | 0.60 | 0.35 | 0.60 | - | AED 2,625 |
| FAB Etihad Guest SignaturebFAB | 0.55 | 0.45 | 0.28 | 0.45 | 0.25 | AED 1,575 |
| Etihad Guest PlatinumaEmirates Islamic | 0.54 | 0.41 | 0.27 | 0.27 | - | AED 208.95 |
| ADIB Etihad Guest Goldc, dADIB | standard rate | 0.38 | 0.25 | 0.15 | - | AED 1,050 |
| FAB Etihad Guest PlatinumbFAB | 0.40 | 0.35 | 0.20 | 0.35 | - | AED 525 |
The Tier Miles column decides status rather than rewards, and only the cards that publish a rate earn them. No card reaches Silver or Gold on its own, because every tier keeps a flying minimum - the detail sits in the Etihad Guest tiers guide.
Enter a balance to see what it converts to in cash, and how close it sits to the reward flights Etihad advertises a from-price for.
Cash values and the reward ladder appear here when the page loads. The table below carries the same figures.
| Miles | Cash value at the official floor | One-way reward it reaches |
|---|---|---|
| 10,000 | about AED 230 to 260 | Etihad advertised starting point for reward flights - short hops such as Abu Dhabi to Mumbai or Kochi price closest to this floor |
| 25,000 | about AED 575 to 655 | Abu Dhabi to Vienna in Economy, from-price |
| 30,000 | about AED 690 to 785 | Abu Dhabi to Manchester in Economy, from-price |
| 37,000 | about AED 850 to 970 | Abu Dhabi to Seoul or Taipei in Economy, from-price |
| 45,000 | about AED 1,030 to 1,180 | Abu Dhabi to Tokyo in Economy, from-price |
Cash values use the official Reward Card conversion of 1.4 to 1.6 miles per US cent, converted at AED 3.6725 to the dollar, and exclude the loading fee of around USD 0.99 per top-up. Reward from-prices are the lowest published on etihad.com and are not guaranteed on any given date; Etihad prices awards dynamically, and taxes and carrier charges are paid in cash on top.
The net column subtracts the annual fee from the cash floor, which is the worst rate a mile ever fetches. A card that looks negative there can still pay off, but only if the miles go towards flights rather than the Reward Card.
Move spending between the four rows and the order changes. A card that leads on international spend can finish mid-table for someone who only spends in dirhams, which is why a single headline rate tells you very little.
Several of these cards add spend-triggered miles discount vouchers or fast-track status - 75% at AED 200,000 on FAB Infinite, for instance. Those are worth real money and none of them are counted here.
Treat the output as a like-for-like run rate for comparing cards, not as a forecast of your statement. The full picture for any single card - fees, salary requirement, caps and benefits - sits on that card's own page.
Earn on every spend
The 12 co-branded Etihad Guest cards the calculator ranks, from four UAE banks. Each card page carries the full earn rates, the fees, the salary requirement and the benefits.
Emirates IslamicEmirates IslamicEmirates IslamicEmirates IslamicTier Miles decide whether you fly as Bronze, Silver, Gold or Platinum - and some of these cards earn them on everyday spending.
Programme facts checked against etihad.com, etihadguest.com and the issuing banks' official pages on 12 August 2026. Reward from-prices, conversion rates and tier rules are set by Etihad Guest and can change without notice; the programme's own terms and conditions always apply.
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.
