FAB Etihad Guest Platinum Credit Card
Earn 10,000 Etihad Guest Miles as a joining bonus
at FAB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"Judge the Platinum by its base numbers, not its billboard. Two miles per 10 with a 10,000-mile hello is fair value for 525 a year — but the advertised 5.5 rate costs 250 a month extra, there's no lounge, and 3.99% monthly interest means this card must be paid in full, every month."
Earning and redeeming Etihad Guest Miles
The base structure is simple: 2 miles per 10 on domestic spend, 3.5 per 10 internationally, and double miles — 4 per 10 — on tickets booked directly on Etihad Airways and partner websites, with no cap on the Etihad rate. Supermarkets, utilities, fuel, transport, education and government payments earn a flat 1.5 per 10 regardless of tier. Everything else caps at 10,000 miles a month, and earning rounds down to the whole mile. The 'up to 5.5' rate FAB advertises is the optional Miles Accelerator Programme at 250 a month — at the 10,000-mile cap it can make sense for very high spenders, but it is not the card's real rate.
Miles accrue daily and sweep automatically into your Etihad Guest account, where you redeem for flights, upgrades and partner rewards on etihadguest.com. The card's quiet best feature is the Miles Discount Voucher: put 100,000 through the card in a year and you get 25% off the miles cost of up to two return award tickets — any class, any destination, with a July/August/December blackout.
Rates and fees
- Annual fee
- 525 ( 500 + VAT), charged one month after opening; supplementary cards 262.50 each
- Joining bonus
- 10,000 Etihad Guest Miles, credited after the first annual fee is paid — once per customer, ever
- Interest rate
- 3.99% per month (47.88% APR) on purchases and cash advances
- Minimum salary
- 8,000 per month
- Foreign transaction fee
- Up to 2.61% + VAT, plus Visa scheme charges
- Cash advance fee
- Up to 3.15% + VAT (minimum 157.50)
- Late payment fee
- 241.50
- Overlimit fee
- 303.18
- Miles Accelerator (optional)
- 250/month lifts earning to 5.5 miles per 10; minimum 2 months
- Card network
- Visa Platinum
Rates verified against FAB's credit-card Schedule of Fees & Charges and the Etihad Guest Credit Cards FAQs (bankfab.com), VAT-inclusive unless noted. Always confirm on the issuer's site before applying.
Card benefits
Double miles on Etihad
4 miles per 10 on tickets booked directly on Etihad Airways and partner websites — uncapped, in any currency, on top of the miles the flight itself earns.
25% Miles Discount Voucher
Spend 100,000 in a card year and get 25% off the miles needed for up to two return award tickets. One voucher a year, valid six months; Jul/Aug/Dec blackout.
Discounted airport transfers
Airport transfers at preferential rates — a convenience perk, not a complimentary one.
Buyers protection & extended warranty
Global buyers protection and extended warranty on card purchases, plus international medical and travel assistance lines.
Cinema & golf discounts
Discounted movie tickets and golf privileges — partners and rates confirmed by the bank at redemption.
Pros and cons
- The cheapest entry into Etihad Guest earning — 8,000 salary and a 525- fee
- 10,000-mile joining bonus roughly offsets the first year's fee
- Double miles (4 per 10) on Etihad and partner bookings made directly online, uncapped
- 25% miles-discount voucher on award flights if you put 100,000 through the card in a year
- Buyers protection and extended warranty included
- The advertised 'up to 5.5 miles per 10' is the Miles Accelerator rate — a paid booster at 250 a month
- 3.99% monthly interest (47.88% APR) is among the highest in the UAE market
- No airport lounge access — that starts at the Signature tier
- Earning is capped at 10,000 miles a month, and supermarkets, fuel, utilities, education and government spend earn just 1.5 per 10
- Foreign spend costs up to 2.61% + VAT plus Visa scheme charges
Is it right for you?
Get this card if
- You fly Etihad once or twice a year and want miles without a premium fee — 525 is easy to justify.
- Your salary is 8,000–15,000, below the Signature's bar.
- You book Etihad directly online, where the uncapped double rate does its best work.
Consider skipping it if
- You expect lounge access — this tier has none.
- Most of your spend is supermarkets, fuel or utilities, which earn a token 1.5 per 10.
- You carry a balance — 3.99% a month (47.88% APR) will erase years of mile value in weeks.
Alternatives to consider
Triple the joining miles (35,000), a Silver fast track and 1,000+ lounges for 1,575 a year — the step up if you clear 15,000 salary.
Best Etihad Guest cards →
ADIB's Sharia-compliant Etihad Guest Infinite covers the same airline with an Islamic structure and its own premium perks.
Best Islamic credit 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 FAB Etihad Guest Platinum card?+
AED 525 including VAT (AED 500 + VAT). It is charged one month after the card is opened and then annually on the same date. Supplementary cards cost AED 262.50 each.
How many joining miles do I get?+
10,000 Etihad Guest Miles, credited to your Etihad Guest account after you activate the card and pay the statement carrying the annual fee. It is a one-time privilege — if you cancel and re-apply, you will not receive it again. Supplementary cards add a one-time 5,000 miles.
How many miles do I earn per AED 10?+
2 miles on domestic spend and 3.5 on international spend. Direct online bookings with Etihad Airways or Etihad Airways Partners earn double — 4 per AED 10, uncapped. Supermarkets & utilities, fuel & conveyance, and education & government payments earn a reduced 1.5 per AED 10. Everything else is capped at 10,000 miles a month, and earning rounds down to the nearest mile.
What is the Miles Accelerator Programme?+
An optional booster costing AED 250 a month (minimum two months) that lifts your earn rate to 5.5 miles per AED 10 on all spend — this is the 'up to 5.5' rate FAB advertises. The 10,000-mile monthly cap still applies, so it only pays off at high spend levels.
Does the Platinum card include airport lounge access?+
No. Lounge access starts with the Etihad Guest Signature card; the Platinum offers airport transfers at discounted rates instead.
How does the 25% Miles Discount Voucher work?+
Spend AED 100,000 on the card within a card year (including balance transfers) and Etihad Guest emails you a voucher that cuts 25% off the miles needed for up to two return award tickets, any class and destination. One voucher per year, valid for six months, and it cannot be used for flights in July, August or December.
What is the minimum salary requirement?+
AED 8,000 per month.
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.