ADIB Etihad Guest Visa Gold: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 1.6/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Official product sources linked
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Salary minimum needs bank confirmation
Explore all ADIB cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 1,050
- Bank FX charge
- Confirm with bank
- Monthly profit rate
- 3.75%
- Reward programme
- Etihad Guest
- Salary transfer required
- No published requirement
No ongoing waiver verified.
Cashback or points earning rules, thresholds and caps
Earn Etihad Guest Miles on eligible spending. The self-funded variant has a different annual fee.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
ADIB Etihad Guest Visa Gold
Dirham Score 1.6/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Official product sources linked
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Salary minimum needs bank confirmation
No ongoing waiver verified.
View breakdown
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Etihad Guest Visa Gold review and fee maths
Earn Etihad Guest Miles on eligible spending. The self-funded variant has a different annual fee.
No cinema benefit verified. · No complimentary access verified.
Monthly profit rate: 3.75%. Bank FX charge: Confirm with bank.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
The standard covered card costs AED 1,000 plus 5% VAT. The self-funded card costs AED 350 plusVAT and must not be substituted into this comparison.
The official product page does not publish a minimum salary.
Official bank source · checked 2026-10-22Official Etihad card catalogue artwork
Exact official bank card artwork; proportional WebP display copy. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary access verified.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The standard covered card costs AED 1,000 plus 5% VAT. The self-funded card costs AED 350 plusVAT and must not be substituted into this comparison.
- The official product page does not publish a minimum salary.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADIB Etihad Guest Visa Platinum Covered Card
ADIB · minimum salary Confirm with bank
Compare ADIB Etihad Guest Visa Gold with ADIB Etihad Guest Visa Platinum Covered CardADIB Emirates Skywards Visa Signature
ADIB · minimum salary Confirm with bank
Compare ADIB Etihad Guest Visa Gold with ADIB Emirates Skywards Visa SignatureADIB Etihad Guest Visa Infinite Covered Card
ADIB · minimum salary Confirm with bank
Compare ADIB Etihad Guest Visa Gold with ADIB Etihad Guest Visa Infinite Covered CardOfficial bank sources and application information
- ADIB Etihad Guest Visa Gold official product terms
- ADIB: Official product page
- ADIB: Schedule of charges
- ADIB: Official Etihad card catalogue artwork
- ADIB Etihad Guest Visa Gold official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.