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Miles/Rewards Earning Mechanism

For every AED 4 spent:

  • 0.75 Etihad Guest Miles for domestic purchases.
  • 1 Etihad Guest Mile for international purchases.
  • 0.25 Etihad Guest Miles for Government Services, Utilities, Education, Services, and Charities.

 

Why We Choose It

  • Free Companion Ticket Voucher after spending AED 150,000 in one year.
  • Fee payment with Etihad Guest Miles Feature.

Welcoming Gift/Bonus

  • 10,000 Etihad Guest miles.

Annual Fee (inclusive of Vat)

AED 500 or 15,200 Etihad Guest Miles

Minimum Salary Requirement

AED 5000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.75​%

Airlines Program:

Etihad Airways’ loyalty program.

Key benefits

  • Pay your annual fee with miles.

Other benefits

  • ADIB Travel Desk Privileges – discounted rates on tickets with a free delivery.
  • 100% Cash Withdrawal Limit.
  • Exclusive merchant shopping offers.
  • Free Roadside Assistance

Why We Choose It

  • Free Companion Ticket Voucher after spending AED 150,000 in one year.
  • Fee payment with Etihad Guest Miles Feature.

What We Did Not Like

  •  Relatively High Annual Fee.
  • Low miles earning rates.

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.

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