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Miles/Rewards Earning Mechanism

For every AED 10 spent:

  • 4 miles for domestic purchases.
  • 4 miles for International purchases.
  • 7 miles for hotels and dining spends.
  • 7 miles for spending on Etihad.com.

Why We Choose It

  • Relatively low annual fee
  • Generous welcoming bonus.
  • Relatively low APR.

Welcoming Gift/Bonus

Up to 60,000  Etihad Guest miles:

  • 20,000 Miles upon payment of joining fee.
  • 40,000 Miles upon spending a minimum of AED 60,000 within 6 months from the card issuance date.

Annual Fee (inclusive of Vat)

AED 735

Minimum Salary Requirement

AED 12,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%

Airlines Program:

Etihad Airways’ loyalty program

Key benefits

  • Unlimited airport lounge access for 1 person.
  • 10% cashback after booking a flight or spending on etihad.com (minimum spend of AED 2,000).
  • Up to two 25% discount vouchers after spending AED 100,000.
  • Fast track Silver Tier (After booking one return trip within 6 months from card activation).

Other benefits

  • 2 airport transfers per year to Abu Dhabi International Airport.
  • Travel insurance.
  •  One-hour complimentary valet parking is available in selected AbuDhabi malls.
  • Access to Visa Luxury Hotel Collection, Premium Concierge, and 2-for-1 Entertainer Offers.
  • buy-1-get-1-free on movie tickets at Vox Cinemas.
  • Two complimentary rounds of golf per month.

Why We Choose It

  • Relatively low annual fee
  • Generous welcoming bonus.
  • Relatively low APR.

What We Did Not Like

  • It takes AED 10,000 monthly spends for 6 months to receive full welcoming bonus.

You ask, we answer

At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity

Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.

First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.

Our team is reviewing your data and working diligently to recommend 3 credit cards that best match your profile. Please allow 3-5 business days for this process.

Yes, our service is entirely free, and we are committed to not charging any participants unless they opt for a private consultation. However, please be aware that we may receive compensation from banks for advertising purposes on our website, but this does not influence the recommendations we provide.

Yes, your privacy and security are our top priority. We ensure that your data is handled with the utmost care. We never share your information with third parties without your consent.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.