Etihad Guest Platinum Islamic Credit Card

What makes this card Islamic

FAB Islamic 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 / Tawarruq with an internal Wakalah investment account (FAB ISSC pronouncement; T&C Condition 5.1). Monthly Credit Card Profit = Murabaha Monthly Payment minus Expected Wakala Return, reducible further only by a discretionary Bonus/Rebate.

Approved by FAB Internal Shariah Supervision Committee (ISSC), under the supervision of Central Bank of the UAE.

What it costs

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

Annual fee

AED 500AED 500 excluding VAT; AED 525 inclusive of VAT per the Key Facts Statement. First charged one month after the card is opened, then annually on that date.source

Supplementary card

AED 250AED 250 excluding VAT (AED 262.50 incl. VAT) per supplementary card, regardless of card type.source

Profit rate

3.99% a month on the outstanding balance47.88% a year as stated by the banksource

Cash withdrawal

3.15% of the amount of cash obtained with a minimum of AED 105 per transaction

Late payment

AED 241.50

Foreign currency spend

2.61% on top of the exchange rate

Replacement card

AED 78.75

Takaful cover

Takaful Credit Shield Plus Fee (optional): 1.04% of outstanding balance. Takaful Wallet Shield Fee: 0.42% of outstanding balance per month. Accident Takaful Fee: 0.26% of outstanding balance per month or AED 31.50, whichever is higher.

What you get back

• 2.0 Etihad Guest Miles per AED 10 on domestic (AED) transactions
• 3.5 Etihad Guest Miles per AED 10 on non-AED international transactions
• 4.0 Etihad Guest Miles per AED 10 spent with Etihad Airways or Etihad Airways Partners (double rate, no cap on EAP spend)
• 1.5 Etihad Guest Miles per AED 10 on Supermarket & Utilities, Fuel & Conveyance, Education & Government payments (as defined by Visa)
• One-time joining bonus: 10,000 Etihad Guest Miles on primary card, 5,000 on supplementary
• Optional Miles Accelerator Program (MAP) raises the rate to 5.5 miles per AED 10 for AED 250 a month

Other benefits

• 10,000 Etihad Guest Miles welcome bonus on card activation (5,000 on supplementary cards)
• 25% Miles Discount Voucher each year on AED 100,000 annual card spend - 25% off the miles needed for up to two return Etihad tickets, any class, any destination
• Double Etihad Guest Miles on Etihad Airways and Etihad Airways Partners online bookings, no cap
• 2 discounted airport transfers a year from AED 40 (within-city service)
• Visa golf discounts and Visa Signature-style offers
• International Medical and Travel Assistance; Buyers Protection and 12-month Extended Warranty; Credit Shield Takaful

Before you apply

• No complimentary airport lounge access at Platinum tier - only the Signature (8 visits) and Infinite (12 visits) tiers get it.
• Everyday categories (supermarket, utilities, fuel, education, government) earn only 1.5 miles per AED 10, well below the 2.0 headline.
• The Miles Accelerator Program costs AED 250 a month and does NOT raise the 10,000 miles monthly cap.
• Miles Discount Voucher has blackout months of July, August and December.
• Joining Miles are a one-time privilege per customer - cancelling and reapplying earns none.

Can you get it?

Minimum income

AED 8,000 a monthsource

Other conditions

Minimum monthly salary AED 8,000. Salary transfer requirement not stated on the product page.

Where these figures come from

Last checked against FAB Islamic’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.

• “AED 8,000 Min Monthly Salary / AED 500 (Excluding VAT) Annual Fees - product page hero”
• “FAB Etihad Guest Platinum/ Signature/ Infinite Islamic - Annual Fees: AED 500/ AED 1,500/ AED 2,500 / Supplementary Annual Fee: AED 250 / (Excluding VAT) - FAB Islamic Credit Cards Schedule of Fees and Charges, October 2025”
• “The annual fee for Supplementary Etihad Guest Visa Credit Cards is AED 250 for each card regardless of card type. - Etihad Guest Islamic Credit Cards FAQs”
• “Card Type Platinum Signature Infinite / Etihad Joining Miles 10,000 35,000 55,000 - Etihad Guest Islamic Credit Cards FAQs”
• “The Etihad Guest Mile earn rate for every domestic purchase transaction (AED transaction) of AED 10 is as follows: o Platinum: 2 Miles - Etihad Guest Islamic Credit Cards FAQs”
• “However, on certain spend categories (Supermarket & Utilities, Fuel & Conveyance, Education & Govt payments as defined by Visa), the earn rate is 1.5 Miles per AED 10 for all card types. - Etihad Guest Islamic Credit Cards FAQs”
• “Card Type Platinum Signature Infinite / Etihad Guest Miles Cap 10,000 30,000 55,000 - Etihad Guest Islamic Credit Cards FAQs, monthly earning cap”
• “Yes, there is a monthly fee of AED 250 per month to enroll for all FAB Etihad Guest Credit Cards. - Etihad Guest Islamic Credit Cards FAQs (Miles Accelerator Program)”
• “Yes, there is a blackout period of July, Aug and December and flights for these months cannot be booked using Miles Discount Voucher. - Etihad Guest Islamic Credit Cards FAQs”

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• Schedule of charges
• Terms and conditions