Etihad Guest Signature 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 1,500AED 1,500 excluding VAT; AED 1,575 inclusive of VAT per the Key Facts Statement.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

• 2.75 Etihad Guest Miles per AED 10 on domestic (AED) transactions
• 4.5 Etihad Guest Miles per AED 10 on non-AED international transactions
• 5.5 Etihad Guest Miles per AED 10 spent with Etihad Airways or Etihad Airways Partners
• 1.5 Etihad Guest Miles per AED 10 on Supermarket & Utilities, Fuel & Conveyance, Education & Government payments
• 2.5 Etihad Tier Miles per AED 10 spent, UAE and abroad (max 25,000 Tier Miles per calendar year)
• One-time joining bonus: 35,000 Etihad Guest Miles on primary card, 5,000 on supplementary
• Optional Miles Accelerator Program (MAP) raises the rate to 6.5 miles per AED 10 for AED 250 a month

Other benefits

• 35,000 Etihad Guest Miles welcome bonus on card activation (5,000 on supplementary cards)
• Up to 8 free airport lounge visits a year at 1,000+ lounges worldwide via DragonPass
• 50% Miles Discount Voucher each year on AED 150,000 annual card spend - 50% off the miles needed for up to two return Etihad tickets, any class, any destination
• Fast Track to Etihad Guest Silver status (two return Etihad flights within six months of activation, or 25,000 Tier Miles in a year)
• 2 complimentary in-flight Wi-Fi vouchers, valid one year, Panasonic-enabled Etihad aircraft only
• Double Tier Miles on all purchases for the first 90 days from primary card activation
• Complimentary Travel Accident Insurance up to USD 500,000
• 24/7 Visa Travel Concierge; golf discounts; Buyers Protection and 12-month Extended Warranty; Credit Shield Takaful

Before you apply

• AED 1,500 annual fee (AED 1,575 with VAT) is charged from year one with no stated spend waiver.
• Everyday categories earn only 1.5 miles per AED 10.
• The AED 250/month Miles Accelerator Program does not raise the 30,000 monthly miles cap.
• Wi-Fi vouchers work only on Panasonic-enabled Etihad aircraft and are not issued on renewal or replacement cards.
• Miles Discount Voucher blackout months: July, August, December.

Can you get it?

Minimum income

AED 15,000 a monthsource

Other conditions

Minimum monthly salary AED 15,000. 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 15,000 Min Monthly Salary / AED 1,500 (Excluding VAT) Annual Fee - product page hero”
• “You'll get 2.75 miles for every AED 10 spent on domestic transactions, 4.5 miles for non-AED international transactions and 5.5 miles for every AED 10 spent with Etihad or Etihad Airways partners. - product page”
• “Enjoy up to 8 free visits a year at over 1,000 airport lounges across the globe with DragonPass. - product page”
• “Spend AED 150,000 a year on your card and get a 50% Etihad Guest Miles discount voucher every year. - product page”
• “Travel with peace of mind. Receive complimentary Travel Accident Insurance of up to USD 500,000. - product page”
• “Card Type Platinum Signature Infinite / Etihad Guest Miles Cap 10,000 30,000 55,000 - Etihad Guest Islamic Credit Cards FAQs”
• “There is no monthly cap on Tier Miles earning. However, in a calendar year, a Signature cardholder can earn a maximum of 25,000 Tier Miles - Etihad Guest Islamic Credit Cards FAQs”

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• Schedule of charges
• Terms and conditions