Emirates Islamic Etihad Guest Platinum
5,000 Etihad Guest Miles — on a fee that waives at 10,000 spend
at Emirates Islamic's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"Think of the Platinum as a free Etihad Guest earner with training wheels: the fee vanishes at 10,000 of annual spend, and the 2x rate on online and wallet transactions quietly covers most of a modern spending pattern. What you're not getting is everything that makes the bigger cards feel premium — no lounges, no transfers, no status. At this price, that's a fair trade."
Earning and redeeming Etihad Guest Miles
The Platinum earns 2 Etihad Guest Miles per USD 1 on Etihad Airways and on online and mobile-wallet transactions — the accelerated channel most daily UAE spending now flows through — with up to 1.5 internationally, 1 in the EEA/UK, and up to 1 per USD on other domestic purchases. The 'up to' wording matters: reduced category rates exist but aren't published.
Miles redeem through Etihad Guest for flights and upgrades on etihad.com, and an annual 10% Miles-discount voucher (at 50,000 anniversary-year spend) trims redemption costs — valid 6 months, up to two passengers, July/August/December excluded. There's no tier fast-track here: Silver is reserved for Saqer and Ameera holders.
Rates and fees
- Annual fee
- 208.95 incl. VAT (listing page: 199 ex-VAT) — waived year 1 with 3,000 spend within 90 days of approval, and from year 2 with 10,000 annual spend (no bonus miles on the waiver route)
- Welcome bonus
- 5,000 Etihad Guest Miles upon payment of the Annual Membership Fee
- 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
50% movie-ticket cashback
Any cinema, any day, capped at 50 a month — unlocked with 3,000 of monthly retail spend.
10% Miles-discount voucher
Spend 50,000 in your anniversary year for 10% off Etihad Guest Miles redemptions — one voucher per year.
Inflight Wi-Fi & 0% Etihad EPP
2 Wi-Fi vouchers a year (1 per 500+ Etihad transaction) and 0% instalments on etihad.com purchases over 3 or 6 months (2% processing fee).
Visa Luxury Hotel Collection
900+ properties with best-rate guarantee, upgrades when available, free breakfast and internet, late check-out and a USD 25 F&B voucher.
Purchase protection & warranty
Automatic protection against theft or accidental damage, plus doubled manufacturer warranty up to one extra year.
Global assistance
Visa's 24/7 multilingual support worldwide, including emergency help with lost or stolen cards.
Pros and cons
- Cheapest entry into Etihad Guest earning — 208.95, waivable at only 10,000 annual spend ( 3,000 in 90 days for year one)
- Accelerated 2 Miles per USD on online and mobile-wallet transactions covers most modern spending
- 10% Miles-discount voucher at a reachable 50,000 annual spend
- 0% Etihad instalment plan, purchase protection and doubled warranty at an entry-level price
- Visa Luxury Hotel Collection perks rarely seen on a fee this small
- No lounge access, airport transfers, golf, valet or travel takaful — those start at Saqer/Ameera
- No Silver or Gold tier fast-track — that's reserved for the other three variants
- Base domestic rate is a modest 'up to' 1 Mile per USD with unpublished category reductions
- The 5,000-mile bonus only pays when you pay the fee — waive it and there's no bonus
- 2.54% + ~1.15% foreign-transaction cost, so the international rate is illusory value
- 3.69% monthly profit rate (44.28% APR) if you carry a balance
Is it right for you?
Get this card if
- You want to earn Etihad Guest Miles with essentially no fee — 10,000 a year waives it.
- Most of your spending is online or through Apple/Google/Samsung Pay, where the 2x rate applies.
- You're starting out and want a Shariah-compliant card with real, if modest, perks.
Consider skipping it if
- You expect lounges, transfers or tier status — those live on the Saqer, Ameera and Premium cards.
- You fly Etihad often — a bigger variant's bonus and fast-track repay the higher fee quickly.
- You spend heavily abroad — 2.54% + ~1.15% FX fees wipe out the earn.
Alternatives to consider
For women, the Ameera adds lounges, transfers, golf and a Silver fast-track for 733.95 — with a 20,000-mile bonus.
Best Etihad Guest cards →
The Premium's 55,000-mile bonus, Gold fast-track and unlimited lounges repay its bigger fee fast for regular Etihad flyers.
Best Etihad Guest cards →
Not sold on airline miles at this budget? Emirates Islamic's Switch Cashback pays cash directly, still Shariah-compliant.
Best cashback 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
How much does the Etihad Guest Platinum Card cost?+
AED 208.95 a year including VAT (the listing page quotes AED 199 before VAT). It's free in year one if you spend AED 3,000 within 90 days of approval, and waived from year two with an annual spend of AED 10,000.
What is the welcome bonus?+
5,000 Etihad Guest Miles, credited upon payment of the Annual Membership Fee. If the fee is waived through the spend criteria, the bonus is not triggered.
How many miles does the card earn?+
2 Etihad Guest Miles per USD 1 on Etihad Airways and on online and mobile-wallet transactions, up to 1.5 per USD internationally, 1 in the EEA/UK and up to 1 per USD on other domestic spend.
Does the Platinum card include lounge access or tier fast-track?+
No. Lounge access, airport transfers, golf, valet and the Silver/Gold fast-tracks belong to the Saqer, Ameera and Premium variants. The Platinum's travel perks are the Wi-Fi vouchers, the 10% Miles-discount voucher and the Visa Luxury Hotel Collection.
What is the 10% Miles discount voucher?+
Spend AED 50,000 in your anniversary year and you receive a 10% discount voucher on Etihad Guest Miles redemptions — one per year, valid 6 months, for bookings of up to two passengers, with July, August and December excluded.
Is the 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.
Do I need an Etihad Guest membership before applying?+
No. The bank creates an Etihad Guest account for you and prints the membership number on the card; miles post within 5–7 working days of each transaction.
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.