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Miles/Rewards Earning Mechanism

For every AED 4 spent:

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

Why We Choose It

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

Welcoming Gift/Bonus

Earn a welcome bonus of 35,000 Etihad Guest Miles

Annual Fee (inclusive of Vat)

AED 1,000 or 30,300 Etihad Guest Miles

Minimum Salary Requirement

AED 5,000/ Salary transfer customers – AED 10,000/ Non-salary transfer customers

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

  • Free Companion Ticket Voucher to Fly on Etihad Airways
  • Fast Track to Etihad Guest Silver Tier
  • Pay your annual fee with miles
  • Up to four 2 visits per year to any of the priority pass lounges worldwide
  •  VIP airport lounges access Worldwide with Loungekey
  • ADIB Travel Desk Privileges – discounted rates on tickets with free delivery and one free additional service for every ticket purchased.

Other benefits

  • 100% Cash Withdrawal Limit.
  • Exclusive merchant shopping offers.

Why We Choose It

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

What We Did Not Like

  • Relatively High Annual Fee.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

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