ADIB Etihad Guest Visa Gold
Earn 35,000 welcome miles — up to 100,000 more with the current campaign
at ADIB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"The Gold card is really a companion-ticket subscription with a miles program attached. If 150,000 a year flows through your card, a two-for-one Etihad ticket in any cabin for a 1,050 fee is genuinely good value; if it doesn't, the thin 1-mile-per--4 earn rate won't carry the fee on its own."
Earning and redeeming Etihad Guest Miles
The earn table is the entry-level one: 1 mile per 4 locally, 1.5 per 4 on international spend (0.6 at EEA merchants), and 0.5 per 4 across the 'specific merchants' list — supermarkets, government services, utilities, education, petrol, real estate, public transport, Salik and charities. Linking the card in the Etihad Guest app adds 1 mile + 1 Tier Mile per 3 at 'miles on the go' partners, which is worth doing at this earn level.
Miles post to your Etihad Guest account (within about 6 weeks of your statement) and redeem for flights, upgrades and hotels. The card's real engine is the milestone: 150,000 of spend in a year earns a companion ticket voucher — any Etihad destination, any cabin, valid 12 months and redeemed at etihadguest.com. Four return Etihad flights in your first 12 months also fast-track you to Silver Tier, with priority check-in and Etihad Lounge access in Abu Dhabi.
Rates and fees
- Annual fee
- 1,000 + 5% VAT (covered card); 350 self-funded variant; first 4 supplementary cards free
- Welcome offer
- 35,000 miles, plus up to 100,000 additional campaign miles (1 Jul – 31 Dec 2026); campaign tiers not published — confirm at application
- Monthly profit rate
- 3.75% fixed Murabaha profit (APR 45.63%) for cards issued from 15 Feb 2024
- Grace period
- Up to 55 days from transaction date
- Minimum monthly payment
- 5% of the utilized amount (minimum 100), plus any instalment amounts
- Foreign transaction fee
- 2.3% non- service fee on top of the Visa exchange rate; 2.75% on -priced international transactions from 10 Sep 2026
- Cash withdrawal
- 3% of the amount (minimum 99)
- Late payment
- 100 — taken as a charity donation commitment, per the Islamic model
- Minimum income
- 5,000 per month (KFS blanket minimum — the covered limit is secured by your deposit)
- Card network
- Visa Gold, Sharia-compliant covered card
Rates verified against ADIB's covered-cards Key Facts Statement, Schedule of Charges V-44 (July 2026) and Cards Comparison Document (Jan 2026); fees are exclusive of 5% VAT. Always confirm on adib.ae before applying.
Card benefits
Companion ticket at 150k
Spend 150,000 in a year for a companion ticket on Etihad — any destination, any cabin. Valid 12 months, redeemed at etihadguest.com.
Silver after 4 return flights
Complete 4 return Etihad flights within 12 months of issuance and you're fast-tracked to Etihad Guest Silver Tier.
2 LoungeKey visits a year
Two free visits annually to 850+ VIP lounges worldwide; extra visits at a preferential LoungeKey rate.
Free roadside assistance
Unlimited city-limit towing, 3 inter-emirate tows a year, jump start, flat tyre, lockout and fuel delivery — call 600-542010.
Miles on the Go
Link the card in the Etihad Guest app to earn 1 mile + 1 Tier Mile per 3 at participating partners.
School fees in instalments
Split school and university fees into monthly instalments any time with the covered-card easy instalment plan.
Pros and cons
- The same any-destination, any-cabin Etihad companion ticket as ADIB's premium tiers, at the lowest covered-card fee
- 35,000 welcome miles plus a campaign of up to 100,000 additional miles until 31 December 2026
- Two LoungeKey visits a year and free roadside assistance — rare at this fee level
- Silver fast track after 4 return Etihad flights, and Miles on the Go partner earning via the Etihad Guest app
- Sharia-compliant covered card with no interest; a self-funded variant exists at 350/year
- Thin earn rate — 1 mile per 4 locally (0.25/) is roughly a third of the Infinite card's rate
- 1,000 + VAT is still a real fee for a card without valet, golf or transfers
- It's a covered card — the limit must be secured by a cash deposit or Murabaha arrangement
- Supermarkets, fuel, utilities and education earn just 0.5 miles per 4
- 2.3% service fee on non- spend eats into the international earn rate
Is it right for you?
Get this card if
- You'll realistically put 150,000 a year on the card — the companion ticket is the whole business case.
- You want an Islamic Etihad co-brand at the lowest fee, with a 350 self-funded fallback.
- You fly Etihad enough that 4 return flights in a year (the Silver fast track) is plausible.
Consider skipping it if
- You're chasing miles on everyday spend — 1 mile per 4 locally is among the thinner rates around.
- You won't come near 150,000 a year; the fee then buys little beyond the welcome miles.
- You want lounge access on every trip — two solo visits a year is a taster, not a perk.
Alternatives to consider
Twice the earn rate, 4 lounge visits and a Gold fast track after just 2 return flights — for 1,000 more a year.
Best Etihad Guest cards →
ADIB's cashback covered card at an 99 fee — no miles maths, no 150,000 milestone, same Islamic structure.
Best cashback cards →
Emirates NBD's Elevate earns 1 mile per 1 on Etihad, hotels and dining — a different league of earning, at a 2,625 joining fee and interest-based terms.
Best Etihad Guest cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What is the annual fee on the ADIB Etihad Guest Visa Gold card?+
AED 1,000 per year plus 5% VAT (AED 1,050 all-in) for the covered card. A self-funded variant is listed at AED 350 per year. The first four supplementary cards are free.
How many Etihad Guest Miles do I earn?+
1 mile per AED 4 on local spend, 1.5 miles per AED 4 equivalent on international spend (0.6 per AED 4 in the EEA), and 0.5 miles per AED 4 at 'specific merchants' such as supermarkets, government services, utilities, education, petrol stations, real estate, public transport, Salik and charities.
What is the current welcome offer?+
The page advertises a 35,000-mile welcome bonus, plus a limited-time campaign of up to 100,000 additional miles for new cards, valid 1 July to 31 December 2026. ADIB does not publish the campaign's tier breakdown or spend conditions on the card page — confirm at application.
How does the companion ticket work?+
Spend AED 150,000 or more in a year and you receive a free companion ticket voucher on Etihad Airways to any destination, in any class of travel. Redeem it at etihadguest.com by adding a companion to your booking; the voucher is valid 12 months, subject to seat availability, and blackout dates may apply in peak periods.
Does the card include airport lounge access?+
Yes — two free visits per year for the cardholder to more than 850 lounges worldwide via LoungeKey. Register the card in the LoungeKey app; additional visits are charged at a preferential rate.
How do I fast-track to Etihad Guest Silver?+
Complete 4 return flights on Etihad within 12 months of card issuance and you are fast-tracked to Silver Tier — priority check-in, Etihad Lounge access in Abu Dhabi, tier benefits and bonus miles on Etihad flights.
Is this an interest-based credit card?+
No. ADIB is a fully Islamic bank and this is a Sharia-compliant covered card: your limit is secured by your own funds or a commodity Murabaha arrangement, with no interest. The published Murabaha monthly profit rate is 3.75% for cards issued from 15 February 2024.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.