Etihad Guest Signature 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.

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: discontinued 30 November 2025 and removed from the Schedule of Fees annual-fee table.

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

• 2 Etihad Guest Miles per USD 1 on purchases with Etihad Airways
• Up to 2 Etihad Guest Miles per USD 1 on international purchases; 1.25 miles per USD 1 at merchants in Europe (EEA) and the United Kingdom
• Up to 1.25 Etihad Guest Miles 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
• 1 Etihad Guest Tier Mile per USD 1 of eligible purchase, locally and overseas
• Monthly bonus of 2,000 Etihad Guest Miles when monthly purchases are USD 2,000 or more
• Welcome bonus 35,000 Etihad Guest Miles in the first year, credited within 60 days of annual fee payment

Other benefits

• Fast-track to Etihad Guest Silver Tier on 18,000 Tier Miles within six months of card issuance, or two return Etihad flights booked on the card within six months
• Complimentary airport lounge access via Visa Airport Companion
• Visa Luxury Hotel Collection privileges; complimentary golf; Avis President's Club enrolment
• Visa 'experience with the ENTERTAINER' 2-for-1 offers

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.

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. - product page notice”
• “You will receive 35,000 Etihad Guest Miles as a welcome bonus during the first year of your membership. - product page”
• “Tier Miles will be capped at a maximum of 25,000 miles per annum - product page”
• “You will earn 1 Etihad Guest Tier Mile for every USD 1 of eligible purchase, both locally and overseas. - product page”
• “Accrual of 18,000 Tier Miles through purchases with your ADCB Islamic Etihad Guest Signature Card within six months of card issuance - product page, Silver fast-track”

• Product page
• Schedule of charges
• Terms and conditions