FAB Etihad Guest Signature vs FAB Etihad Guest Signature Islamic
FAB Etihad Guest Signature: 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
FAB Etihad Guest Signature
FAB Etihad Guest Signature Islamic
Minimum monthly salary
AED 15,000
AED 15,000
Modelled fees · first year
AED 1,575
AED 1,575
Modelled fees · ongoing year
AED 1,575
AED 1,575
Estimated first-year net
AED 3,177.5
Not estimated
Estimated ongoing net / year
AED -322.5
Not estimated
Reward redemption model
Restricted points or miles value
Reward value unconfirmed
Bank FX charge
2.7405%; 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 3,500. 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.
AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.
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.
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 SignatureOngoing net / year: AED -1,215
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 SignatureOngoing net / year: AED -322.5
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 SignatureOngoing net / year: AED 187.5
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.
FAB Etihad Guest Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Unlimited access to over 1,000 lounges for the cardholder; programme conditions apply.
Cinema: 4 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 4,000 monthly spend; below-threshold use can be charged back.
VAT-inclusive annual fee is AED 1,575.
Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
Monthly reward cap is 30,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.
Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.
Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.
October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.
Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.
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.
