Emirates NBD Skywards Infinite vs FAB Etihad Guest Infinite Islamic
Emirates NBD Skywards Infinite: Frequent Emirates flyers who use premium benefits. FAB Etihad Guest Infinite 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 NBD Skywards Infinite
FAB Etihad Guest Infinite Islamic
Minimum monthly salary
AED 30,000
AED 30,000
Modelled fees · first year
AED 3,148.95
AED 2,625
Modelled fees · ongoing year
AED 1,575
AED 2,625
Estimated first-year net
AED -284.82
Not estimated
Estimated ongoing net / year
AED -635.87
Not estimated
Reward redemption model
Restricted points or miles value
Reward value unconfirmed
Bank FX charge
1.99%; scheme charges may apply
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 1,925. 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.
Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.75 miles per USD. Approved credit limit or AED 100,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.
FAB Etihad Guest Infinite 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.
A lighter budget can miss a spending gate; a bill-heavy budget can earn reduced rates. These examples use the same rules as the personal selector.
Compare three example budgets
Light everyday · AED 3,000/month
Emirates NBD Skywards InfiniteOngoing net / year: AED -1,300
FAB Etihad Guest Infinite 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.
Emirates NBD Skywards InfiniteOngoing net / year: AED -635.87
FAB Etihad Guest Infinite 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.
Emirates NBD Skywards InfiniteOngoing net / year: AED 150.49
FAB Etihad Guest Infinite 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 NBD Skywards Infinite: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.
Cinema: Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply.
Joining fee AED 3,148.95 applies in year one; renewal annual fee AED 1,575.
Current issuer conversion rate USD 1 = AED 3.672 is used, replacing the generic AED 3.6725 assumption.
ENBD international transaction fee is 1.99%, additional to approximately 1.15% scheme processing and acquirer markup, if any.
Golf access is conditional: two bookings/month, AED 30 processing fee and AED 5,000 spend in benefit-use month; AED 249 can apply for no show / under-spend.
Annual fee AED 2,625.00 includes VAT on the bank’s published pre-VAT fee.
Product advertises 55,000 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.
