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SAME SPENDING · TRANSPARENT MATHS

ADIB Etihad Guest Infinite vs Emirates Islamic Skywards Infinite Card

Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.

ADIB Etihad Guest Visa Infinite Covered Card — official bank artwork

ADIB Etihad Guest Visa Infinite Covered Card

Minimum salary
Confirm with bank
Annual fee
AED 3,150
First-year net
AED -675
Ongoing annual net
AED -675
Bank FX fee
2.415%; scheme charges may apply
Reward programme
Etihad Guest

Important conditions

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.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

Unlimited lounge access for cardholder and one guest via Visa Airport Companion; app registration and current qualifying conditions apply.

No cinema offer verified.

Official ADIB terms · reviewed 2026-10-22
Emirates Islamic Skywards Infinite Card — official bank artwork

Emirates Islamic Skywards Infinite Card

Minimum salary
Confirm with bank
Annual fee
AED 2,100
First-year net
Not estimated
Ongoing annual net
Not estimated
Bank FX fee
Unverified
Reward programme
Emirates Skywards

Important conditions

Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

Visa Airport Companion provides unlimited access for the cardholder and a guest. The first visit is complimentary; subsequent visits require a qualifying USD 1 foreign currency purchase at least 15 days beforehand.

No cinema offer verified.

Official Emirates Islamic terms · reviewed 2026-10-22

Which card fits your own spending?

A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.

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Review all assumptions and reward valuations

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