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ADIB

Fees, rewards, eligibility, and source-backed terms.

Best earn rate
3.50 MilesDefault
Apply nowCompare card

Sources and verification

What this card page is based on

We show source links where we have them. If a field is missing, not verified, or changed by the bank after our last check, the official bank terms should be treated as the final source.

Last verified
Not verified yet
Latest source fetch
6 Sep 2026
Default reward source

Rewards

Rates by category

Listed earn rates, spend bands, and caps from the latest source-backed rules for this card.

Categories
2
Best rate
3.50%
Top cap
AED 0
D

Default

Up to 3.50 Miles

Spend tier

Published reward rule

Rate

0.13 Miles/AED

Cap

No cap listed

Receive up to 1 Etihad Guest Miles for every AED 4 spent for AED transaction (0.5 miles per AED 4 for specific merchants: Supermarkets, Government Services, Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport, Road Tolls/Salik, Charities/Religious Organisation)

Source

Spend tier

Published reward rule

Rate

0.25 Miles/AED

Cap

No cap listed

Receive up to 2.2 Etihad Guest Miles for every AED 4 spent for AED transaction (1 mile per AED 4 for specific merchants: Supermarkets, Government Services, Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport, Road Tolls/Salik, Charities/Religious Organisation)

Source

Spend tier

Published reward rule

Rate

3.50 Miles/AED

Cap

No cap listed

Receive up to 3.5 Etihad Guest Miles for every AED 4 spent on Etihad Airways transactions

Source
FC

Foreign Currency

Up to 0.30 Miles

Spend tier

Published reward rule

Rate

0.15 Miles/AED

Cap

No cap listed

Receive upto 1.5 Etihad Guest Miles for every AED 4 equivalent spent (0.6 miles for every AED 4 equivalent spends in Countries which are a part of the European Economic Area)

Source

Spend tier

Published reward rule

Rate

0.30 Miles/AED

Cap

No cap listed

Receive up to 3 Etihad Guest Miles for every AED 4 equivalent spent (1.2 miles for every AED 4 equivalent spends in Countries which are a part of the European Economic Area)

Source

Partner offers and other perks

These are discounts, welcome bonuses, or financing offers. They are not card earn rates and are not used in the Optimiser or directory headlines.

  • Welcome bonus of 35,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!

    Stored as 35.00 miles_per_usd · Travel General

  • Withdraw 100% of your finance limit as cash

    Stored as 100.00% · Default

  • Welcome bonus of 50,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!

    Stored as 50.00 miles_per_usd · Travel General

  • Welcome bonus of up to 100,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!

    Stored as 100.00 miles_per_usd · Travel General

Benefits

Concierge Assistance

Free Roadside Assistance

Service

Free Roadside Assistance 24/7 across the UAE

Service Area: UAE

Free Roadside Assistance

Service

Free roadside assistance

Earn Rate

Local AED Transactions Miles

Reward Miles

Receive up to 1 Etihad Guest Miles for every AED 4 spent for AED transaction (0.5 miles per AED 4 for specific merchants: Supermarkets, Government Services, Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport, Road Tolls/Salik, Charities/Religious Organisation)

Local AED Transactions Miles

Reward Miles

Receive up to 2.2 Etihad Guest Miles for every AED 4 spent for AED transaction (1 mile per AED 4 for specific merchants: Supermarkets, Government Services, Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport, Road Tolls/Salik, Charities/Religious Organisation)

Local AED Transactions Miles

Reward Miles

Receive up to 2.5 Etihad Guest Miles for every AED 4 spent (1.0 mile per AED 4 for specific merchants: Supermarkets, Government Services, Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport, Road Tolls/Salik, Charities/Religious Organisation)

International Non-AED Transactions Miles

Reward Miles

Receive upto 1.5 Etihad Guest Miles for every AED 4 equivalent spent (0.6 miles for every AED 4 equivalent spends in Countries which are a part of the European Economic Area)

International Non-AED Transactions Miles

Reward Miles

Receive up to 3 Etihad Guest Miles for every AED 4 equivalent spent (1.2 miles for every AED 4 equivalent spends in Countries which are a part of the European Economic Area)

Etihad Airways Transactions Miles

Reward Miles

Receive up to 3.5 Etihad Guest Miles for every AED 4 spent on Etihad Airways transactions

Partner: Etihad Airways

International Non-AED Transactions Miles

Reward Miles

Receive up to 3.5 Etihad Guest Miles for every AED 4 equivalent spent (1.2 miles for every AED 4 equivalent spends in Countries which are a part of the European Economic Area)

Financial Flexibility

Cash Advance

Cash Advance

Withdraw 100% of your finance limit as cash

Lifestyle Perks

Valet Parking

Parking

Valet parking at select locations in the UAE

Service Area: UAE

Signup Bonus

Welcome Bonus

Reward Miles

Welcome bonus of 35,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!

Welcome Bonus

Reward Miles

Welcome bonus of up to 100,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!

Welcome Bonus

Reward Miles

Welcome bonus of 50,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!

Travel Perks

Free Companion Ticket

Travel Benefit

Free Companion Ticket on every AED 150,000 spent yearly

Conditions: Spend AED 150,000 yearly

Etihad Guest Gold Tier Fast Track

Tier Status

Fast track to Etihad Guest Gold Tier

Program: Etihad Guest

Free Companion Ticket

Travel Benefit

Free Companion Ticket on spends of AED 150,000 in the annual cycle

Conditions: Spend AED 150,000 in the annual cycle

Etihad Guest Gold Tier Fast Track

Tier Status

Fast track to Etihad Guest Gold Tier for the 1st year

Program: Etihad Guest

Home Check-in Service

Service

1 Home check-in service per year

Etihad Guest Silver Tier Fast Track

Tier Status

Fast track to Etihad Guest Silver Tier

Program: Etihad Guest

Airport Lounge Access

Lounge Access

Free airport lounge access via Lounge Key

Program: Lounge Key

Free Upgrade Voucher

Travel Benefit

Free Upgrade Voucher on spends of AED 350,000 in the annual cycle

Conditions: Spend AED 350,000 in the annual cycle

Airport Transfers

Travel Benefit

2 Airport Transfers per year

Airport Lounge Access

Lounge Access

Free airport lounge access for cardholder + 1 guest via Visa Airport companion

Program: Visa Airport Companion

Active promotions

No verified active promotions yet.

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