FAB · UAE CARD REVIEW

Etihad Guest FAB Visa Infinite: 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

AED 30,000

Annual fee

AED 2,625

Bank FX charge

2.7405%; scheme fees may apply

Monthly interest rate

3.99%

Reward programme

Etihad Guest

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

3.5 Etihad Guest miles per AED 10 on eligible domestic retail; 6 per AED 10 foreign retail. Supermarket, utilities, fuel/conveyance, education/government earn 1.5 miles per AED 10 domestically and internationally.

Monthly spend gate: See issuer conditions. Monthly reward cap: AED 2,750. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 4,330 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.

AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.

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 220,000 total Etihad Guest milesEnds 30 Nov

Conventional banking

FABETIHAD GUEST

Etihad Guest FAB Visa Infinite

Dirham Score 2.5/5100% data coverage · editorial methodHow this score works

• + Etihad Guest rewards
• + Published airport lounge benefit
• + Published golf privilege

• − Reward estimate has stated exclusions
• − Bank FX charge 2.7405%; scheme charges may apply

Min. salary: AED 30,000

Groceries · points rewards School Fees · points rewardsCinema perksLounge access

Annual fee AED 2,625

ESTIMATED FIRST-YEAR VALUE

AED 4,330

Partial estimate · see details

View breakdown

Regular welcome+ AED 2,750

Promotional booster+ AED 2,750

Annual rewards+ AED 1,455

Fee waiver+ AED 0

Joining-fee refund+ AED 0

Annual fee− AED 2,625

Actual modelled netAED 4,330

AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.

Calculation assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

3.5 Etihad Guest miles per AED 10 on eligible domestic retail; 6 per AED 10 foreign retail. Supermarket, utilities, fuel/conveyance, education/government earn 1.5 miles per AED 10 domestically and internationally.

6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold use can be charged back. · Worldwide lounge access; bank conditions apply

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Regular 55,000 Etihad Guest miles on qualifying activation and annual-fee payment. Incremental October–November campaign stages are calculated separately.

AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.

VAT-inclusive annual fee is AED 2,625.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Monthly reward cap is 55,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.

Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.

Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.

October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.

Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.

Official bank source · checked 2026-10-18

Credit card fees (July 2026)

Etihad earning / caps / welcome FAQ

October–November acquisition campaign terms

Cinema eligibility and spend

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Promotional sign-up booster

Up to 220,000 total Etihad Guest miles

October–November acquisition campaign. The total includes the regular activation award; only additional campaign miles enter the booster calculation.

Ends 30 Nov · Apply by 2026-11-30 (UAE date, inclusive)

• New eligible FAB credit-card relationship; previous / existing Etihad card exclusions apply.
• Activate within 15 days of issuance and pay annual fee.
• Emirati first-year fee concession is not assumed for the general comparison.
• Additional spend-stage miles require AED 120,000 retail spend within 90 days.

Incremental activation campaign miles: +AED 2,750 modelled value · Activation and offer eligibility required

Incremental spend campaign miles: +AED 5,500 modelled value · Spend AED 120,000 in 90 days

Qualifying extra bonus in this forecast: AED 2,750.

Official offer terms

FAB

Etihad Guest FAB Visa Infinite

Regular welcome offer

Regular 55,000 Etihad Guest miles on qualifying activation and annual-fee payment. Incremental October–November campaign stages are calculated separately.

Qualifying welcome value: AED 2,750.

Promotional sign-up booster

Up to 220,000 total Etihad Guest miles

October–November acquisition campaign. The total includes the regular activation award; only additional campaign miles enter the booster calculation.

Ends 30 Nov · Apply by 2026-11-30 (UAE date, inclusive)

• New eligible FAB credit-card relationship; previous / existing Etihad card exclusions apply.
• Activate within 15 days of issuance and pay annual fee.
• Emirati first-year fee concession is not assumed for the general comparison.
• Additional spend-stage miles require AED 120,000 retail spend within 90 days.

Incremental activation campaign miles: +AED 2,750 modelled value · Activation and offer eligibility required

Incremental spend campaign miles: +AED 5,500 modelled value · Spend AED 120,000 in 90 days

Qualifying extra bonus in this forecast: AED 2,750.

Official offer terms

Fees, rewards & eligibility

3.5 Etihad Guest miles per AED 10 on eligible domestic retail; 6 per AED 10 foreign retail. Supermarket, utilities, fuel/conveyance, education/government earn 1.5 miles per AED 10 domestically and internationally.

6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold use can be charged back. · Worldwide lounge access; bank conditions apply

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Regular 55,000 Etihad Guest miles on qualifying activation and annual-fee payment. Incremental October–November campaign stages are calculated separately.

AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.

VAT-inclusive annual fee is AED 2,625.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Monthly reward cap is 55,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.

Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.

Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.

October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.

Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.

Official bank source · checked 2026-10-18

Credit card fees (July 2026)

Etihad earning / caps / welcome FAQ

October–November acquisition campaign terms

Cinema eligibility and spend

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: Worldwide lounge access; bank conditions apply
• Cinema: 6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold use can be charged back.
• Valet: No published benefit verified
• Golf: Published benefit; qualifying conditions apply

Exclusions and important product notes

• VAT-inclusive annual fee is AED 2,625.
• Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
• Monthly reward cap is 55,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.
• Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.
• Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.
• October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.
• Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.

Official bank sources and application information

• Etihad Guest FAB Visa Infinite official product terms
• FAB: Credit card fees (July 2026)
• FAB: Etihad earning / caps / welcome FAQ
• FAB: October–November acquisition campaign terms
• FAB: Cinema eligibility and spend
• Etihad Guest FAB Visa Infinite 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.