ADIB Etihad Guest Visa Gold
Earn 35,000 welcome miles — up to 100,000 in total 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 AED 150,000 a year flows through your card, a two-for-one Etihad ticket in any cabin for a AED 1,050 fee is genuinely good value; if it doesn't, the thin 1-mile-per-AED-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 AED 4 locally, 1.5 per AED 4 on international spend (0.6 at EEA merchants), and 0.5 per AED 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 AED 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: AED 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
- AED 1,000 + 5% VAT (covered card); AED 350 self-funded variant; first 4 supplementary cards free
- Welcome offer
- Up to 100,000 miles in total: 35,000 standard welcome miles + 15,000 campaign sign-up miles (first purchase within 30 days) + 50,000 bonus miles on AED 15,000 spend within 60 days; apply 1 Jul – 31 Dec 2026, card issued by 15 Jan 2027
- 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 AED 100), plus any instalment amounts
- Foreign transaction fee
- 2.3% non-AED service fee on top of the Visa exchange rate; 2.75% on AED-priced international transactions from 10 Sep 2026
- Cash withdrawal
- 3% of the amount (minimum AED 99)
- Late payment
- AED 100 — taken as a charity donation commitment, per the Islamic model
- Minimum income
- AED 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-45 (Aug 2026), Cards Comparison Document (V11, Feb 2026) and the Etihad Guest campaign T&Cs (V1, June 2026); fees are exclusive of 5% VAT. Always confirm on adib.ae before applying.
Card benefits
Companion ticket at AED 150k
Spend AED 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 AED 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, rising to up to 100,000 in total with the campaign — AED 15,000 of spend within 60 days, apply by 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 AED 350/year
- Thin earn rate — 1 mile per AED 4 locally (0.25/AED) is roughly a third of the Infinite card's rate
- AED 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 AED 4
- 2.3% service fee on non-AED spend eats into the international earn rate
Is it right for you?
Get this card if
- You'll realistically put AED 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 AED 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 AED 4 locally is among the thinner rates around.
- You won't come near AED 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 AED 1,000 more a year.
Best Etihad Guest cards →
ADIB's cashback covered card at an AED 99 fee — no miles maths, no AED 150,000 milestone, same Islamic structure.
Best cashback cards →
Emirates NBD's Elevate earns 1 mile per AED 1 on Etihad, hotels and dining — a different league of earning, at a AED 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?+
Up to 100,000 Etihad Guest Miles in total for applications from 1 July to 31 December 2026 (card issued by 15 January 2027): the standard 35,000 welcome miles on your first retail purchase, 15,000 additional sign-up miles if that purchase is within 30 days of issue, and 50,000 bonus miles when you spend AED 15,000 on retail or online purchases within 60 days of issue. Cash withdrawals, balance transfers, Easy Instalment Plans and Cash on Call don't count, and campaign miles are credited within 3 months. Customers who closed an ADIB Etihad Guest card on or after 1 July 2025 don't qualify for the campaign miles.
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.