FAB Etihad Guest Platinum vs FAB Etihad Guest Platinum Islamic
FAB Etihad Guest Platinum: Etihad Guest with eligible international spend spending. FAB Etihad Guest Platinum 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
FAB Etihad Guest Platinum
FAB Etihad Guest Platinum Islamic
Minimum monthly salary
AED 8,000
AED 8,000
Modelled fees · first year
AED 525
AED 525
Modelled fees · ongoing year
AED 525
AED 525
Estimated first-year net
AED 1,040
Not estimated
Estimated ongoing net / year
AED 540
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 500. 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.
Verified ordinary miles rates. AED 0.05 per mile remains an illustrative editorial assumption, rather than guaranteed cash. Paid Miles Accelerator, Etihad-specific purchases, the discount voucher and the limited-time acquisition campaign are excluded. Eligible spending is limited to the approved credit limit; transaction rounding may reduce actual rewards.
FAB Etihad Guest Platinum 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
FAB Etihad Guest PlatinumOngoing net / year: AED -219
FAB Etihad Guest Platinum 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 PlatinumOngoing net / year: AED 540
FAB Etihad Guest Platinum 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 PlatinumOngoing net / year: AED 840
FAB Etihad Guest Platinum 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.
FAB Etihad Guest Platinum: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: Get four tickets per month at AED 20 each at Reel, Cine Royal and Star cinemas, subject to AED 3,000 monthly spending.
The card offers 10,000 joining miles. The 25% miles discount voucher requires AED 100,000 annual spending. This entry covers the conventional card; the Islamic card is a separate product.
FAB Etihad Guest Platinum Islamic: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary lounge visits established on the reviewed Platinum page.
Cinema: No current offer verified.
Annual fee AED 525.00 includes VAT on the bank’s published pre-VAT fee.
Product advertises 10,000 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.
