Emirates Islamic Etihad Guest Ameera
20,000 Etihad Guest Miles when you pay the annual fee
at Emirates Islamic's secure site
Exclusively for women. Terms & conditions apply. See rates & fees.
Rewards rate
"Ameera is the value pick of Emirates Islamic's Etihad quartet: it matches Saqer benefit for benefit — lounges, transfers, golf, Silver fast-track — while charging 210 less a year. The 20,000-mile bonus keeps the fee honest at under 4 fils a mile. Just note the bank's own pages disagree about the fee and the current bonus, so confirm the live offer."
Earning and redeeming Etihad Guest Miles
Ameera earns 3 Etihad Guest Miles per USD 1 on Etihad Airways, up to 2 internationally, 1.5 in the EEA/UK and up to 1.5 at home. Each purchase also earns 1 Etihad Guest Tier Mile per USD 1 (capped at 25,000 a year) toward Silver, Gold and Platinum status — plus a first-year Silver fast-track for just 2,000 of Etihad spend.
Miles redeem through Etihad Guest for flights and upgrades, and the yearly Miles-discount voucher stretches them: 25% off redemptions at 100,000 anniversary-year spend, or 10% from 50,000 — valid 6 months, up to two passengers, with July/August/December blackouts.
Rates and fees
- Annual fee
- 733.95 incl. VAT per the KFS (the listing page prints 943.95 — Saqer's fee — apparently in error). Waived year 1 with 5,000 spend within 90 days, later years with 30,000 annual spend (no bonus miles on the waiver route)
- Welcome bonus
- 20,000 Etihad Guest Miles upon payment of the Annual Membership Fee; the Arabic page also advertises up to 40,000 miles with an 30,000 / 3-month spend condition — confirm with the bank
- Profit rate
- 3.69% per month (44.28% APR) — Murabaha structure, no interest
- Profit-free period
- Up to 55 days on retail purchases when the balance is paid in full
- Minimum payment
- 5% of the closing balance or 100, whichever is higher
- Foreign transaction fee
- 2.54% plus ~1.15% network processing fee; 1.99% DCC if you accept conversion abroad
- Cash advance fee
- 3.15% of the amount (minimum 103.95); no miles earned on cash advances
- Missed payment
- 131.25/month charity-donation commitment (paid to an approved charity, not to the bank)
- Over-limit fee
- 261.45 per billing cycle
- Supplementary cards
- No fee listed in the KFS
Fees verified against Emirates Islamic's credit cards Key Fact Statement (CCB/CCD/0526/V7.5), all VAT-inclusive. Minimum salary is not published — confirm with the bank before applying.
Card benefits
Silver Tier fast-track
12 months of Etihad Guest Silver with just 2,000 of Etihad Airways spend in your first card year — priority check-in, extra baggage and bonus Tier Miles.
1,200+ lounges
Via the Visa Airport Companion app. First visit each year free; later visits need a USD 1+ foreign-currency spend in the prior 15 days, else USD 32. Guests USD 32.
Airport transfers & Wi-Fi
2 Abu Dhabi airport transfers a year tied to recent Etihad spend, plus 2 inflight Wi-Fi vouchers (1 per 500+ Etihad transaction).
25% Miles-discount voucher
Spend 100,000 in your anniversary year for 25% off miles redemptions — or 50,000 for a 10% voucher. One per year.
Golf & valet
2 golf rounds a month at Arabian Ranches, Jebel Ali or Abu Dhabi Golf Club ( 5,000 monthly spend) and 1 valet parking ( 3,000).
Takaful & protection
Multi-trip travel takaful on trips up to 90 days, purchase protection and doubled manufacturer warranty up to 1 year.
Pros and cons
- Lowest fee of the lounge-tier Etihad cards — 733.95, waivable at 30,000 annual spend
- 20,000-mile bonus each year the fee is paid — under 4 fils per mile
- Silver Tier fast-track needs only 2,000 of Etihad spend in the first year
- Same Visa Signature benefits as Saqer: 1,200+ lounges, 2 airport transfers, golf, valet, meet & greet
- 50% movie-ticket cashback with a modest 3,000 monthly spend gate
- Open to women only — male applicants must choose the Premium, Saqer or Platinum
- Welcome miles require paying the fee — the spend-based waiver route pays no bonus
- Lounge guests always cost USD 32, and visits after the first need a prior foreign-currency spend
- Tier Miles capped at 25,000 a year, and the 25% voucher needs 100,000 of spend
- 2.54% + ~1.15% foreign-transaction cost undermines the international earn
- 3.69% monthly profit rate (44.28% APR) if you carry a balance
Is it right for you?
Get this card if
- You're eligible and fly Etihad even once or twice a year — the fee-to-miles trade works from the first trip.
- You want the cheapest route into this family's lounge-and-transfers tier.
- Your everyday spending clears 3,000–5,000 a month, unlocking the cinema, valet and golf perks.
Consider skipping it if
- You're a male applicant — Ameera is women-only; look at the Premium, Saqer or Platinum.
- You'd always take the fee waiver — without paying the AMF there's no bonus.
- You spend heavily abroad — 2.54% + ~1.15% FX fees eat the international earn.
Alternatives to consider
The Premium steps up to 3.5 Miles per USD on Etihad, a Gold Tier fast-track and up to 55,000 bonus miles — for a bigger fee.
Best Etihad Guest cards →
The Etihad Guest Platinum earns the same currency at 208.95 a year — no lounges, but the fee waiver needs just 10,000 of annual spend.
Best Etihad Guest cards →
ADIB's Etihad Guest Visa Infinite is the other Islamic option for Etihad flyers — compare fees and bonuses before choosing.
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
Who can apply for the Etihad Guest Ameera Card?+
Ameera is Emirates Islamic's Etihad Guest card designed exclusively for women, as stated on the card page. Applicants must be at least 21 and meet the bank's income criteria.
How much is the annual fee?+
AED 733.95 including VAT per the bank's Key Fact Statement. The bank's listing page advertises a waiver — first year free with AED 5,000 spend within 90 days of approval, and from year two with AED 30,000 annual spend — though the listing quotes a AED 943.95 fee that matches the Saqer card rather than the KFS figure.
How do I earn the 20,000-mile welcome bonus?+
It is credited upon payment of the Annual Membership Fee. If the fee is waived through spend criteria, the bonus is not triggered. The Arabic card page also advertises up to 40,000 bonus miles for paying the fee plus AED 30,000 of spend within 3 months — this offer does not appear on the English page, so confirm with the bank.
How do I reach Etihad Guest Silver Tier with this card?+
Spend a minimum of AED 2,000 on Etihad Airways (etihad.com, branches or call centre) within 12 months of card issuance and you get Silver Tier for 12 months — priority check-in, extra baggage and bonus Tier Miles, for the primary cardholder only.
What is the Miles discount voucher?+
Spend AED 100,000 in your anniversary year for a 25% redemption-discount voucher, or AED 50,000 to under 100,000 for a 10% voucher — maximum one per year. Vouchers are valid 6 months, cover up to two passengers per booking, and can't be used for July, August or December flights.
Is the Ameera Card Shariah compliant?+
Yes — all Emirates Islamic credit cards use a Murabaha structure. The published profit rate is 3.69% per month (44.28% APR), and a missed payment triggers a AED 131.25 monthly charity-donation commitment rather than a conventional late fee.
Does the card include airport transfers?+
Yes, up to 2 per calendar year to or from Abu Dhabi Airport, provided an Etihad Airways transaction was made on the card in the last 6 months and your flight is within 12 hours of the transfer. Extra or non-qualifying trips cost AED 150 within Abu Dhabi or AED 495 elsewhere.
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.