Etihad Guest Platinum Credit Card

What makes this card Islamic

Al Hilal Bank builds this card on a Tawarruq contract. The bank sells you a commodity on credit at a marked-up price, you sell that commodity to somebody else for cash, and the cash becomes your spending limit.

Al Hilal Bank's Internal Shariah Supervision Committee issues a 'Shariah Compliance Certificate … For “Covered Credit Card” Based on Tawarruq'. The bank sells a commodity to the customer under a Master Murabaha Agreement, the commodity is sold on spot to a third party for the customer's benefit, and the sale proceeds are deposited into a **special saving account** as security. The customer may use those proceeds only through the credit card. If the balance is not used, the bank invests it and at period end **sets off the Murabaha profit the customer owes against the Mudaraba profit the bank owes on the special saving account**; the bank then, at its sole discretion, waives its right to any excess Murabaha profit and credits any excess Mudaraba profit to the customer.

Approved by Internal Shariah Supervision Committee, under the supervision of Central Bank of the UAE (and the Securities and Commodities Authority under licence 601035, for promotion activity).

What it costs

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

Annual fee

AED 525Joining fee AED 525 and the same amount as the annual fee from year 2 onwards. No waiver condition is published.source

Supplementary card

AED 105Up to 3 supplementary cards free; AED 105 from the 4th card onwards.source

Profit rate

3.69% a month on the outstanding balance3.25% per month on retail and cash balances for existing customers; 3.69% per month for new customers, effective 1 January 2024. 3.69% recorded as the current rate.source

Cash withdrawal

3.15%. Cash withdrawal limit 60% of the card limit.

Late payment

AED 100'Commitment To Donate Amount', donated to charity under ISSC supervision. Not charged if the minimum amount due is paid by the payment due date. VAT inclusive.

Over limit

AED 0

Foreign currency spend

3.14% on top of the exchange rate

Replacement card

AED 0

Before you apply

• Al Hilal prices new customers higher than existing ones on the same card: 3.25% a month for cards issued on or before 31 December 2023 and 3.69% a month for cards issued from 1 January 2024.
• The profit-free period is discretionary: the Schedule of Fees says no Murabaha profit is levied on a full settlement 'at the bank's sole discretion'.
• The 3.14% exchange markup also applies to AED transactions performed OUTSIDE the UAE, not just foreign-currency ones.
• Cash withdrawal is limited to 60% of the card limit and costs 3.15%.
• The Etihad Guest co-brand has no live product page. Al Hilal's World Mastercard fee table refers throughout to 'migrated Etihad Guest cards', which indicates existing Etihad Guest cardholders were moved onto the World Mastercard. Treat availability to new applicants as unconfirmed.
• The bank's Credit Cards page still carries the browser title 'Etihad Guest & Cashback Cards In UAE' while listing neither Etihad Guest card — a stale title, not evidence the product is sold.
• No Etihad Guest miles earn rates are published anywhere on Al Hilal Bank's current site.

Can you get it?

Other conditions

The three Etihad Guest tiers still have a full fee table in Al Hilal Bank's Schedule of Fees (V3.7, June 2026) but no product page. The bank's own Credit Cards page lists only the Cashback and World Mastercard cards, and the World Mastercard fee table is written entirely in terms of 'migrated Etihad Guest cards' — strong evidence the co-brand was migrated. Status recorded as 'unknown' rather than 'discontinued' because no withdrawal notice was found. Minimum amount due 5% of statement balance or AED 100, whichever is higher. 25 days from statement date to payment due date. Maximum profit-free period up to 55 days on retail transactions only. Cash withdrawal limit 60% of the card limit.

Where these figures come from

Last checked against Al Hilal Bank’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.

• “SHARIAH COMPLIANCE CERTIFICATE issued by the Internal Shariah Supervision Committee of Al Hilal Bank For “Covered Credit Card” Based on Tawarruq — Al Hilal Bank credit card Shariah certificate”
• “The bank will set off the Murabaha profit that the customer is supposed to pay to the bank under the Commodity Murabaha and the Mudaraba profit of the special saving account the bank is supposed to pay to the customer. The bank - based on its sole discretion - will waive its right to the excess Murabaha profit if any — Al Hilal Bank credit card Shariah certificate, item 9”
• “No Murabaha profit on retail transactions will be levied if 100% of statement balance is paid in full on or before the payment due date at the bank's sole discretion. — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “Commitment To Donate amount collected will be donated on your behalf to charity under the supervision of the bank's Internal Shariah Supervision Committee. — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “No Commitment To Donate Amount will be charged if the minimum amount due is paid on or before the payment due date. — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “Murabaha Profit will be applicable from the date of transaction till the amount is paid in full. — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “All Charges are inclusive of VAT — Al Hilal Bank Schedule of Fees V3.7 June 2026”
• “Joining Fee — Etihad Infinite AED 2,100 | Etihad Signature AED 1,050 | Etihad Platinum AED 525. Annual Fee (Primary Card) - 2nd year onwards — AED 2,100 | AED 1,050 | AED 525 — Al Hilal Bank Schedule of Fees V3.7, ETIHAD GUEST CREDIT CARDS”
• “Murabaha Profit Rate - Retail transactions (fixed rate) - existing customer 3.25% per month on retail balances | - new customer 3.69% per month on retail balances (effective 01 January 2024) — Al Hilal Bank Schedule of Fees V3.7, ETIHAD GUEST CREDIT CARDS”
• “Card Replacement/Reissuance Nil | Over Limit Charges Nil — Al Hilal Bank Schedule of Fees V3.7, ETIHAD GUEST CREDIT CARDS”
• “Murabaha Profit Rate - Retail transactions (fixed rate) - (applicable for migrated Etihad Guest cards issued until 31 Dec 2023) — Al Hilal Bank Schedule of Fees V3.7, WORLD MASTERCARD section”

• Schedule of charges
• Terms and conditions