Etihad Guest Visa Inspire
Earn up to 60,000 Etihad Guest Miles
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"This is the Etihad card for normal salaries, and judged that way it holds up: Silver status after one return flight, lounge access and a fair earn rate on flights and dining. Just respect the fine print — the price guide charges 3.69% a month, not the 3.25% on the page, and the everyday categories earn so little that this should never be your supermarket card."
Earning and redeeming Etihad Guest Miles
The structure copies the Elevate at 70% strength: 7 miles per 10 on Etihad Airways (including ey.com), hotels and dining, 4 per 10 on other domestic and non-EU international spend, and 2 per 10 in the EU and UK. Groceries, fast food, insurance and car dealerships drop to 1.5 per 10, while fuel, utilities, government, education, real estate and telecom earn a near-invisible 0.4 per 10. Earning caps at 50,000 of retail spend per billing cycle.
Miles transfer automatically to your Etihad Guest account within 5 days of each statement and are redeemed through Etihad Guest for flights, upgrades and partners. Card spend also earns 2.5 Etihad Tier Miles per 10 (capped at 20,000 a year), and every 100,000 of spend produces a 25%-off miles voucher — up to two a year — which trims the cost of award tickets meaningfully if you hit the threshold.
Rates and fees
- Joining fee
- 1,575, billed in your first statement (VAT inclusive)
- Annual fee
- 735 from the second year onwards
- Welcome offer
- Up to 60,000 Etihad Guest Miles in the first year — a 20,000-mile tranche on fee payment is documented; the rest is confirmed at application
- Interest rate
- 3.69% per month (44.28% p.a.) per the bank's price guide — the card page still says 3.25%; UAE nationals pay 3.25%
- Interest-free period
- 25–55 days when the full balance is paid
- Minimum salary
- 12,000 per month
- Foreign transaction fee
- 1.99% bank fee plus ~1.15% Visa processing fee on non- spend
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50 per month
- Card network
- Visa Signature
Rates verified against Emirates NBD's Key Facts Statement (08/2026), credit-card price guide (Feb 2026) and the Etihad Guest credit card T&C booklet, all VAT-inclusive. Always confirm on the issuer's site before applying.
Card benefits
Silver Tier fast track
Complete one return Etihad flight within 6 months of issuance and jump to Etihad Guest Silver: 25% bonus miles, 10kg extra baggage, priority check-in.
Tier Miles while you shop
2.5 Etihad Tier Miles per 10 on all spend, capped at 20,000 a year — status progress without a boarding pass.
25% miles-discount vouchers
Every 100,000 of spend earns a voucher cutting a quarter off the miles needed for any award flight — up to 2 a year.
Worldwide lounge access
Complimentary access to 1,000+ airport lounges via the Visa Airport Companion app.
Movie ticket BOGO
Buy one cinema ticket, get one free under the bank's Royal Cinemas offer.
Concierge, valet & golf
ENBD concierge desk, valet parking at select Abu Dhabi locations, golf privileges and Visa airport dining discounts.
Pros and cons
- Etihad co-brand perks at an 12,000 salary — the accessible entry into the Etihad Guest ecosystem
- 0.7 miles per 1 on Etihad, hotels and dining, 0.4 on general spend
- Fast track to Etihad Guest Silver (25% bonus miles, 10kg extra baggage) after one return flight
- Lounge access via Visa Airport Companion at more than 1,000 lounges
- 25% miles-discount voucher every 100,000 of spend
- 1,575 joining fee and 735 a year is real money for a mid-tier card
- 3.69% monthly interest (44.28% p.a.) per the bank's price guide — despite the page's 3.25% claim
- Groceries, fuel, utilities and other penalty categories earn 0.04–0.15 miles per 1
- The 60,000-mile welcome offer is 'up to' — only a 20,000-mile tranche on fee payment is documented
- No Express Miles booster — that is reserved for the Elevate and Limitless tiers
Is it right for you?
Get this card if
- You fly Etihad a few times a year and earn 12,000–30,000 — this is the tier built for you.
- You want lounge access and airline status perks without a premium card's salary bar.
- You spend enough on dining and hotels to make 0.7 miles per add up.
Consider skipping it if
- You rarely fly Etihad — the 1,575 joining fee buys nothing a free travel card doesn't.
- Your spend is groceries, fuel and utilities — those earn 0.04–0.15 miles per here.
- You carry a balance — 3.69% a month is among the highest rates in ENBD's lineup.
Alternatives to consider
A full mile per on Etihad, hotels and dining, Gold fast track and 50%-off award vouchers — if you clear the 30,000 salary bar.
Best Etihad Guest cards →
The same salary tier pointed at Dubai's airline — Skywards Miles and comparable travel perks.
Best Emirates Skywards cards →
Free for life with lounge access and flexible miles — the safer pick if your Etihad flying is occasional.
Best no-annual-fee 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 are the fees on the Etihad Guest Visa Inspire card?+
AED 1,575 joining fee in year one, then AED 735 annual fee from the second year onwards (both VAT-inclusive). The fee is billed in your first statement and is not reversed once the card is activated or used.
What is the welcome offer?+
Up to 60,000 Etihad Guest Miles in the first year. The bank's Arabic page documents a 20,000-mile tranche credited on joining-fee payment; the breakdown of the full amount is confirmed at application.
How many Etihad Guest Miles do I earn per dirham?+
0.7 miles per AED 1 on Etihad Airways, hotels and dining; 0.4 on other domestic and international (non-EU) spend; 0.2 in the EU and UK. Groceries, supermarkets, fast food, insurance and car dealerships earn 0.15, and petroleum, transit, government, utilities, real estate, education and telecom earn just 0.04. Earning is capped at AED 50,000 of retail spend per billing cycle.
How do I get Etihad Guest Silver status with this card?+
Complete one return Etihad Airways flight (excluding redemption flights) within 6 months of card issuance and you are fast-tracked to Etihad Guest Silver. You also earn 2.5 Etihad Tier Miles per AED 10 on all card spend, capped at 20,000 Tier Miles per calendar year.
Does the card include airport lounge access?+
Yes — complimentary access to more than 1,000 airport lounges worldwide through the Visa Airport Companion app. The bank does not publish a visit allowance on the card page.
What is the minimum salary requirement?+
AED 12,000 per month.
Can I subscribe to the Express Miles programme on this card?+
No — the Express Miles booster (50% extra miles for AED 250/month) is only available on the Etihad Guest Visa Elevate and Limitless cards.
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.