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SAME SPENDING · TRANSPARENT MATHS

FAB Etihad Guest Platinum vs RAKBANK Air Arabia Platinum

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.

FAB Etihad Guest Platinum Credit Card — official bank artwork

FAB Etihad Guest Platinum Credit Card

Minimum salary
AED 8,000
Annual fee
AED 525
First-year net
AED 1,040
Ongoing annual net
AED 540
Bank FX fee
Unverified
Reward programme
Etihad Guest

Important conditions

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.

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

No complimentary access verified

Get four tickets per month at AED 20 each at Reel, Cine Royal and Star cinemas, subject to AED 3,000 monthly spending.

Official FAB terms · reviewed 2026-10-22
RAKBANK Air Arabia Platinum Credit Card — official bank artwork

RAKBANK Air Arabia Platinum Credit Card

Minimum salary
AED 5,000
Annual fee
AED 420
First-year net
AED 830.72
Ongoing annual net
AED 830.72
Bank FX fee
2.57%; scheme charges may apply
Reward programme
AirRewards

Important conditions

Ordinary AirRewards rates and fixed airline redemption (100 points = USD 1) are verified. Conservative estimate retains AED 420 first-year fee and excludes joining rewards because the product page and linked KFS/tariff disagree on introductory pricing.

Renewal waiver assumes at least AED 20,000 qualifying spend in the preceding card year.

Mastercard lounge programme at selected 20+ lounges; confirm the participating lounges, visit allowance and eligibility before travelling.

50% off selected VOX screenings, up to two tickets per card per month; partner terms apply.

Official RAKBANK 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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