ADIB Etihad Guest Visa Platinum
Earn 50,000 welcome miles — up to 150,000 more with the current campaign
at ADIB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"The Platinum keeps the two perks that actually matter — the any-cabin companion ticket at 150,000 of spend and a Gold fast track after two return flights — and drops the luxuries. At 2,100 all-in it's the value pick of ADIB's Etihad range, provided your spending genuinely reaches the companion-ticket threshold."
Earning and redeeming Etihad Guest Miles
You earn 2.2 miles per 4 on local spend and 3 per 4 internationally (1.2 at EEA merchants) — a genuinely competitive rate for a mid-tier card, though the 2.3% non- fee claws back part of the international advantage. The usual 'specific merchants' list — supermarkets, government services, utilities, education, petrol, real estate, public transport, Salik, charities — earns 1 mile per 4. Linking the card in the Etihad Guest app adds 1 mile + 1 Tier Mile per 3 at 'miles on the go' partners.
Miles post to your Etihad Guest account and redeem for flights, upgrades, hotels and partners. The two milestone perks do the heavy lifting: 150,000 of annual spend earns a companion ticket voucher valid to any Etihad destination in any cabin, and two return Etihad flights within your first 12 months fast-track you to Etihad Guest Gold — priority check-in, lounge access at Etihad hubs and bonus miles on every flight.
Rates and fees
- Annual fee
- 2,000 + 5% VAT; self-funded variant 700; first 4 supplementary cards free
- Welcome offer
- 50,000 miles, plus up to 150,000 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 Platinum, 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 voucher on Etihad — any destination, any class of travel.
Gold after 2 return flights
Complete 2 return Etihad flights within 12 months of issuance and you're fast-tracked to Etihad Guest Gold Tier.
4 LoungeKey visits a year
Four free visits annually to 850+ VIP lounges worldwide via LoungeKey.
Valet parking
Free valet parking at select locations in the UAE.
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.
Pros and cons
- Solid earn for the tier — 2.2 miles per 4 locally and 3 per 4 on international spend
- The same companion ticket as the Infinite card: any Etihad destination, any cabin, at 150,000 annual spend
- Etihad Guest Gold fast track after just 2 return Etihad flights within 12 months
- Four LoungeKey visits a year plus valet parking and free roadside assistance
- Sharia-compliant covered card with no interest — Murabaha structure, 3.75% published monthly profit rate
- 2,000 annual fee plus 5% VAT ( 2,100 all-in) with no published waiver
- It's a covered card — the spending limit must be secured by a cash deposit or Murabaha arrangement
- 2.3% service fee on non- transactions despite the strong international earn rate
- Supermarkets, fuel, utilities, education and other 'specific merchants' earn only 1 mile per 4
- Lounge access is 4 visits a year for the cardholder only — guests pay
Is it right for you?
Get this card if
- You fly Etihad a few times a year and can realistically spend 150,000 annually for the companion ticket.
- You want the Gold fast track — two return flights is one of the easiest status shortcuts in the market.
- You want a Sharia-compliant travel card and the Infinite's 3,000 fee is more than you'll use.
Consider skipping it if
- You won't reach 150,000 a year — without the companion ticket, the 2,100 fee is hard to earn back.
- You expect lounge comfort on every trip — 4 solo visits a year runs out fast.
- Your spend concentrates in supermarkets, fuel, education and utilities, which earn 1 mile per 4.
Alternatives to consider
1,000 more a year buys unlimited lounges with a guest, the top earn rate, airport transfers, golf and an upgrade voucher.
Best Etihad Guest cards →
Half the fee keeps the companion ticket and a Silver fast track — with about half the earn rate and 2 lounge visits.
Best Etihad Guest cards →
Emirates NBD's Elevate earns 1 mile per 1 on Etihad, hotels and dining with a lower FX fee — but it's interest-based with a 2,625 joining fee.
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 Platinum card?+
AED 2,000 per year plus 5% VAT (AED 2,100 all-in) for the covered card. A self-funded variant of this card is listed at AED 700 per year. The first four supplementary cards are free.
How many Etihad Guest Miles do I earn?+
2.2 miles per AED 4 on local spend, 3 miles per AED 4 equivalent on international spend (1.2 per AED 4 in the EEA), and 1 mile 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 50,000-mile welcome bonus, plus a limited-time campaign of up to 150,000 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 in one year — eligible retail transactions must post to your statement before the cycle completes — and you receive a free companion ticket voucher to fly on Etihad Airways to any destination, in any class of travel.
How do I get Etihad Guest Gold status with this card?+
Complete 2 return flights on Etihad within 12 months of card issuance and you are fast-tracked to Etihad Guest Gold Tier.
Does the card include airport lounge access?+
Yes — four free visits per year for the cardholder to more than 850 lounges worldwide through the LoungeKey programme.
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.