ADIB · UAE CARD REVIEW

ADIB Etihad Guest Visa Infinite Covered Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

Unconfirmed — ask the bank

Annual fee

AED 3,150

Bank FX charge

2.415%; scheme fees may apply

Monthly profit rate

3.75%

Reward programme

Etihad Guest

Salary transfer required

No published requirement

A current product-specific salary minimum was not published in the checked official sources. Excluded from salary-filtered results; bank assessment remains necessary.

Cashback or points earning rules, thresholds and caps

2.5 Etihad Guest miles per AED 4 local retail and 3.5 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 0 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

LIMITED-TIME BOOSTUp to 225,000 additional Etihad Guest milesEnds 31 Dec · Terms need confirmation

Sharia-compliant

ADIBBANK-SOURCED

ADIB Etihad Guest Visa Infinite Covered Card

Dirham Score 2.6/590% data coverage · editorial methodHow this score works

• + Etihad Guest rewards
• + Published airport lounge benefit
• + Sharia-compliant product

• − Reward estimate has stated exclusions
• − Salary minimum needs bank confirmation

Salary: confirm with bank

Groceries · points rewards School Fees · points rewardsLounge access

Annual fee AED 3,150

A current product-specific salary minimum was not published in the checked official sources. Excluded from salary-filtered results; bank assessment remains necessary.

ESTIMATED FIRST-YEAR VALUE

AED 0

Partial estimate · see details

View breakdown

Regular welcome+ AED 0

Promotional booster+ AED 0

Annual rewards+ AED 2,475

Fee waiver+ AED 0

Joining-fee refund+ AED 0

Annual fee− AED 3,150

Actual modelled netAED -675

Costs exceed estimated rewards; headline is floored at zero.

Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.

Calculation assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

2.5 Etihad Guest miles per AED 4 local retail and 3.5 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.

No cinema benefit verified. · Unlimited lounge access for cardholder and one guest via Visa Airport Companion; app registration and current qualifying conditions apply.

Valet: Four visits monthly through Valtrans at selected UAE locations.

Monthly profit rate: 3.75%. Bank FX charge: 2.415%.

Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.

Non-self-funded annual fee includes VAT: AED 3,000 + 150 = 3,150. Self-funded Platinum pricing/earning differs.

Local retail earns 2.5 miles per AED 4; non-AED retail outside the EEA earns 3.5 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.

Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.

Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.

Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.

Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.

Official bank source · checked 2026-10-18

Official reward and welcome terms

Official card key facts

Official card comparison

Official current fees

Official lounge/provider notices

Current consumer covered card with active Apply Now on the official product page. Separate product selected as replacement for Dana, not a Dana rename. Transparent tilted black card with shadow; VISA Infinite is visible. WebP copy resized without cropping or changing the depicted card. Image source

Promotional sign-up booster

Up to 225,000 additional Etihad Guest miles

Official product page advertises the July–December 2026 campaign; the linked campaign terms redirect to the bank’s 404 page.

Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)

• Headline is additional to standard welcome and normal earning; do not double count.
• Confirm complete acquisition/spend/activation/fee milestones directly with ADIB because the linked campaign PDF is unavailable.

Qualifying extra bonus in this forecast: AED 0.

Product-page headline is confirmed; qualifying campaign terms are not retrievable, so no campaign miles or cash-equivalent value are included.

Official offer terms

ADIB

ADIB Etihad Guest Visa Infinite Covered Card

Regular welcome offer

Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

Qualifying welcome value: AED 0.

Promotional sign-up booster

Up to 225,000 additional Etihad Guest miles

Official product page advertises the July–December 2026 campaign; the linked campaign terms redirect to the bank’s 404 page.

Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)

• Headline is additional to standard welcome and normal earning; do not double count.
• Confirm complete acquisition/spend/activation/fee milestones directly with ADIB because the linked campaign PDF is unavailable.

Qualifying extra bonus in this forecast: AED 0.

Product-page headline is confirmed; qualifying campaign terms are not retrievable, so no campaign miles or cash-equivalent value are included.

Official offer terms

Fees, rewards & eligibility

2.5 Etihad Guest miles per AED 4 local retail and 3.5 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.

No cinema benefit verified. · Unlimited lounge access for cardholder and one guest via Visa Airport Companion; app registration and current qualifying conditions apply.

Valet: Four visits monthly through Valtrans at selected UAE locations.

Monthly profit rate: 3.75%. Bank FX charge: 2.415%.

Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.

Non-self-funded annual fee includes VAT: AED 3,000 + 150 = 3,150. Self-funded Platinum pricing/earning differs.

Local retail earns 2.5 miles per AED 4; non-AED retail outside the EEA earns 3.5 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.

Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.

Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.

New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.

Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.

Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.

Official bank source · checked 2026-10-18

Official reward and welcome terms

Official card key facts

Official card comparison

Official current fees

Official lounge/provider notices

Current consumer covered card with active Apply Now on the official product page. Separate product selected as replacement for Dana, not a Dana rename. Transparent tilted black card with shadow; VISA Infinite is visible. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: Unlimited lounge access for cardholder and one guest via Visa Airport Companion; app registration and current qualifying conditions apply.
• Cinema: No current offer verified
• Valet: Four visits monthly through Valtrans at selected UAE locations.
• Golf: Published benefit; qualifying conditions apply

Exclusions and important product notes

• Non-self-funded annual fee includes VAT: AED 3,000 + 150 = 3,150. Self-funded Platinum pricing/earning differs.
• Local retail earns 2.5 miles per AED 4; non-AED retail outside the EEA earns 3.5 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.
• Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.
• Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
• New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
• Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
• Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.

Official bank sources and application information

• ADIB Etihad Guest Visa Infinite Covered Card official product terms
• ADIB: Official reward and welcome terms
• ADIB: Official card key facts
• ADIB: Official card comparison
• ADIB: Official current fees
• ADIB: Official lounge/provider notices
• ADIB Etihad Guest Visa Infinite Covered Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.