ADIB Etihad Guest Visa Infinite
Earn up to 225,000 additional Etihad Guest Miles
at ADIB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"This is the Etihad card ADIB clearly poured everything into: the top earn rate, unlimited lounges with a guest, airport transfers, golf, and companion-ticket vouchers once you spend big. But 3,150 all-in every year and a secured covered-card structure are serious commitments — if you board Etihad only a few times a year, the Platinum or Gold tier keeps most of the story for a third of the fee."
Earning and redeeming Etihad Guest Miles
The earn table rewards exactly the spend Etihad wants: 3.5 miles per 4 on Etihad Airways purchases and on foreign-currency spend (dropping to 1.2 per 4 at EEA-based merchants), and 2.5 per 4 on everyday local spend. The UAE's usual penalty list applies as 'specific merchants' — supermarkets, government services, utilities, education, petrol, real estate, public transport, Salik and charities all earn 1 mile per 4. Card purchases also add 1 Etihad Tier Mile per 4 (capped at 50,000 a year, valid 12 months), so your status keeps building between flights.
Miles land in your Etihad Guest account and redeem for flights, upgrades, hotels and partners. The heavier your spend, the better this card gets: 150,000 in a year earns a companion ticket voucher to any Etihad destination in any cabin, and 350,000 adds a class-upgrade voucher (Economy→Business or Business→First). Add complimentary Silver status and a Gold fast track on just 4,500 of Etihad spend in year one, and this becomes the fastest route to meaningful Etihad status ADIB offers.
Rates and fees
- Annual fee
- 3,000 + 5% VAT; first 4 supplementary cards free, 5th onwards 3,000
- Welcome offer
- Up to 100,000 miles advertised, plus up to 225,000 additional campaign miles (1 Jul – 31 Dec 2026); 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 Infinite, 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
Unlimited lounges, plus one
Unlimited access for you and a guest to 1,000+ lounges in 300+ cities via the Visa Airport Companion app.
Companion ticket at 150k
Spend 150,000 in a year for a companion ticket voucher on Etihad — any destination, any class of travel.
Upgrade voucher at 350k
350,000 of annual spend earns a one-class upgrade voucher: Economy to Business, or Business to First.
Silver now, Gold fast
Complimentary Etihad Guest Silver, and a fast track to Gold on 4,500 of Etihad spend within 12 months of issuance (first year).
Valet, golf & transfers
Valet parking 4x a month via Valtrans, monthly golf with a guest, two Abu Dhabi airport transfers and one home check-in a year.
Visa travel cover
Travel medical cover for you, family and helper, plus baggage, delay and trip-cancellation cover up to USD 7,500, provided by Visa.
Pros and cons
- Strongest ADIB Etihad earn rate — 3.5 miles per 4 (0.875/) on Etihad Airways and foreign-currency spend, 2.5 per 4 locally
- Unlimited lounge access for you plus a guest via Visa Airport Companion (1,000+ lounges)
- Companion ticket at 150,000 yearly spend and a class-upgrade voucher at 350,000 — any Etihad destination
- Complimentary Etihad Guest Silver, a Gold fast track, and 1 Tier Mile per 4 (up to 50,000/year) from card spend
- Fully Sharia-compliant covered card with no interest — Murabaha structure with a published 3.75% monthly profit rate
- 3,000 annual fee plus 5% VAT ( 3,150 all-in), never waived
- It's a covered card — your spending limit must be secured by a cash cover deposit or a Murabaha arrangement with the bank
- 2.3% service fee on non- transactions, on top of the Visa exchange rate and network fee
- Supermarkets, fuel, utilities, education and other 'specific merchants' earn only 1 mile per 4
- The welcome offer is 'up to' 100,000 + 225,000 miles — ADIB doesn't publish the tier breakdown on the card page
Is it right for you?
Get this card if
- Etihad is your default airline and you'll route 150,000+ a year through the card for the companion ticket.
- You want premium travel perks — unlimited lounges with a guest, transfers, golf — on a fully Sharia-compliant card.
- You value Etihad status: free Silver, a cheap Gold fast track and Tier Miles on every purchase.
Consider skipping it if
- You fly Etihad only occasionally — 3,150 a year all-in outruns casual miles earning.
- You don't want to tie up a cash cover deposit or enter a Murabaha arrangement to secure the limit.
- Most of your spend is supermarkets, fuel, school fees and utilities, which earn just 1 mile per 4.
Alternatives to consider
The same companion ticket and a Gold fast track at 2,000 + VAT — you give up the unlimited lounges and the top earn rate.
Best Etihad Guest cards →
Emirates NBD's Etihad flagship earns 1 mile per 1 on Etihad, hotels and dining with a 1.99% FX fee — but it charges interest and a 2,625 joining fee.
Best Etihad Guest cards →
ADIB's Skywards flagship keeps the Islamic covered-card model but points your miles at Emirates — at a steeper 4,500 fee.
Best Emirates Skywards 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 Infinite card?+
AED 3,000 per year, plus 5% VAT (AED 3,150 all-in). The first four supplementary cards are free; the 5th onwards costs the same AED 3,000 fee.
How many Etihad Guest Miles do I earn?+
3.5 miles per AED 4 on Etihad Airways and on foreign-currency spend (1.2 per AED 4 in the EEA), 2.5 per AED 4 on local spend, and 1 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 welcome bonus of up to 100,000 Etihad Guest Miles, plus a limited-time campaign of up to 225,000 additional miles for new cards, valid 1 July to 31 December 2026. ADIB does not publish the tier breakdown or spend conditions on the card page — confirm them at application.
How does the companion ticket work?+
Spend AED 150,000 in one year and you receive a free companion ticket voucher to fly on Etihad Airways to any destination, in any class of travel. Spend AED 350,000 and you also get one class-upgrade voucher (Economy to Business, or Business to First).
Does the card include airport lounge access?+
Yes — unlimited complimentary access for the cardholder and one guest to over 1,000 lounges in more than 300 cities, activated through the Visa Airport Companion app.
Is the card Sharia-compliant, and what is a covered card?+
Yes. ADIB is a fully Islamic bank and this is a covered card: your card limit is secured either by your own funds or via a commodity Murabaha arrangement with the bank, held in a Short Term Investment account. There is no interest; the published Murabaha monthly profit rate is 3.75% for cards issued from 15 February 2024.
What are the eligibility requirements?+
Per the ADIB covered-cards Key Facts Statement: minimum age 18 and minimum monthly income of AED 5,000, with your total debt burden capped at 50% of gross salary. You'll need your passport (with residence visa for expats), Emirates ID, 3 months of bank statements and a salary certificate not older than 30 days.
Do miles expire?+
Miles are credited to your Etihad Guest account, and their validity then follows Etihad Guest programme rules. Tier Miles earned from card spend (1 per AED 4, up to 50,000 a year) are valid for a 12-month period.
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.