Emirates Islamic Etihad Guest Ameera Card vs FAB Etihad Guest Signature Islamic
Emirates Islamic Etihad Guest Ameera Card: Etihad Guest with eligible international spend spending. FAB Etihad Guest Signature Islamic: Etihad Guest under the published conditions. Start with eligibility, reward use and total recurring cost.
Same AED 10,000 monthly budget, paid in full. Net value is eligible rewards plus qualifying welcome offers, less modelled card, joining and plan fees. FX charges, borrowing costs and unpriced perks are excluded.
Compare
Emirates Islamic Etihad Guest Ameera Card
FAB Etihad Guest Signature Islamic
Minimum monthly salary
AED 12,000
AED 15,000
Modelled fees · first year
AED 943.95
AED 1,575
Modelled fees · ongoing year
AED 943.95
AED 1,575
Estimated first-year net
AED 28.01
Not estimated
Estimated ongoing net / year
AED 28.01
Not estimated
Reward redemption model
Restricted points or miles value
Reward value unconfirmed
Bank FX charge
Unconfirmed
2.61%; scheme charges may apply
Earning spend gate
Category and programme conditions apply
Category and programme conditions apply
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-10-25; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Conditional welcome and campaign value included: AED 0. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Current tariff lists AED 733.95, but promotional directory copy lists AED 943.95. Estimate conservatively charges AED 943.95 until the selected plan is confirmed.
Published category miles converted from USD 1 equivalent at AED 3.673. Reduced specified merchants and QSR use 0.3 miles/USD. Credit-limit monthly spend cap applies. Miles AED value is illustrative. Paid welcome/waiver plan alternatives are not combined.
FAB Etihad Guest Signature Islamic assumptions
Conditional welcome and campaign value included: Not estimated. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
FAB Etihad Guest Signature IslamicOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
FAB Etihad Guest Signature IslamicOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
FAB Etihad Guest Signature IslamicOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Check approval criteria, payment-channel exclusions, fee waivers and the benefits you plan to use. Product-source dates are shown separately; this comparison is not bank approval.
Emirates Islamic Etihad Guest Ameera Card: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion access requires a qualifying USD 1 foreign currency purchase at least 10 days before the visit. The entitlement covers the cardholder; guests are not included.
Cinema: No current offer verified.
Fee waivers depend on the selected plan and qualifying purchases; the first year is not unconditionally free. The salary floor is verified in the bank’s October 2026 acquisition offer.
The current schedule of charges lists AED 733.95 including VAT, while directory promotional copy repeats Saqer’s AED 943.95. This bank-page conflict remains unresolved.
Etihad direct airline earn rate 3 miles/USD is excluded unless a separate direct Etihad purchase input is available.
Do not combine Tier Miles (status miles) with spendable Guest Miles.
Current full rate table applies reduced 0.3 miles/USD to domestic AND international specified categories.
Do not automatically assume an unconditional first-year waiver. Premium tariff and old KFS differ; use the current selected tariff plan with its correct welcome and fee rules.
FAB Etihad Guest Signature Islamic: benefit conditions and official sources
Perks and exclusions
Lounges: Up to 8 visits annually at 1,000+ lounges; activation, app and guest conditions apply.
Cinema: No current offer verified.
Annual fee AED 1,575.00 includes VAT on the bank’s published pre-VAT fee.
Product advertises 35,000 welcome miles on activation. Acquisition-campaign deadlines and conditions are separate; no welcome miles included in forecasts.
Bank international transaction component 2.61% plus published 1.15% scheme charge; total stated components 3.76%.
Tier miles, status benefits, Wi-Fi and miles-discount vouchers are not cash and are excluded from the net AED estimate.
