Etihad Guest Platinum Card

What makes this card Islamic

ADCB Islamic Banking builds this card on a Murabahah contract. The bank buys the thing you want, then sells it to you at a stated cost plus a stated profit, payable later.

Commodity Murabaha + Wakala Investment Account, as for all ADCB Islamic covered cards. Discontinued 30 November 2025; the transition notice states 'Your existing obligations under the Murabaha Contract linked to your ADCB Islamic Etihad Guest Credit Card shall be settled through the utilisation of amounts available under any of your accounts or other products you are availing with ADCB Islamic Banking.'

Approved by ADCB Internal Shari'ah Supervision Committee (ISSC), under the supervision of Central Bank of the UAE.

What it costs

Every figure below comes from ADCB Islamic Banking’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

Not publishedNot recoverable: the card was discontinued on 30 November 2025 and has been removed from the ADCB Islamic Banking Schedule of Fees annual-fee table. The live product page states no fee figure.

Profit rate

3.69% a month on the outstanding balance44.28% a year as stated by the banksource

Cash withdrawal

3.15% or AED 105 (whichever is higher) - portfolio-wide ADCB Islamic rate.

Late payment

AED 241.50

Foreign currency spend

2.99% on top of the exchange rate

Replacement card

AED 78.75

Takaful cover

Islamic Credit Shield (Takaful), optional: 0.9345% of total outstanding balance per month.

What you get back

• 1.25 Etihad Guest Miles per USD 1 on purchases with Etihad Airways
• Up to 1.25 Etihad Guest Miles per USD 1 on international purchases; 1 mile per USD 1 at merchants in Europe (EEA) and the United Kingdom
• Up to 1 Etihad Guest Mile per USD 1 on domestic purchases
• 0.50 miles per USD 1 on domestic supermarkets, auto dealers, insurance and quick-service restaurants
• 0.33 miles per USD 1 on domestic fuel, education, government services, real estate, telecommunications, charity and transport
• Monthly bonus of 1,000 Etihad Guest Miles when monthly purchases are USD 1,000 or more
• Welcome bonus 12,000 Etihad Guest Miles in the first year, credited within 60 days of annual fee payment

Other benefits

• 3 complimentary airport lounge visits a year at 1,200+ lounges for cardholder and supplementary cardholders (Visa Airport Companion only, from 23 May 2025)
• Visa Luxury Hotel Collection privileges at 900+ luxury hotels and resorts
• Up to 20% off Avis worldwide

Before you apply

• DISCONTINUED. On-page notice: 'All ADCB Etihad Guest cards have been discontinued on 30th November 2025 and are no longer available.'
• Cardholders were migrated to a new ADCB Islamic Credit Card before 30 November 2025, with credit limit, outstanding balance, instalment plans and auto-debit instructions transferred across.
• Any annual fee charged in the 12 months before deactivation was reversed pro-rata.

Can you get it?

Other conditions

Discontinued 30 November 2025; eligibility criteria are no longer published on the product page.

Where these figures come from

Last checked against ADCB Islamic Banking’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “All ADCB Etihad Guest cards have been discontinued on 30th November 2025 and are no longer available. For details on the discontinuation, please visit adcbislamic.com/transitioninfo - product page notice”
• “Your ADCB Etihad Guest Credit Card will be deactivated on 30 November, 2025. Any annual fee charged in the past 12 months will be reversed on a pro-rata basis prior to deactivation. - ADCB Islamic Banking Etihad Guest Relationship Transition Details, Ver.01/September2025”
• “You will receive 12,000 Etihad Guest Miles as a welcome bonus during the first year of your membership. - product page”
• “Purchases with Etihad Airways: 1.25 Etihad Guest Miles [per USD spent] - product page miles table”
• “As a reward for your loyalty, you will earn a monthly bonus of 1,000 Etihad Guest Miles when your monthly purchases are equal or more than USD 1,000. - product page”
• “Card transactions for School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking, Mobile App) maximum miles earned is capped at spends of AED 3,500 each month. - product page”

• Product page
• Schedule of charges
• Terms and conditions