Abu Dhabi Islamic Bank

ADIB Etihad Guest Visa Infinite Card

Earn Etihad Guest Miles faster with unlimited lounge access and golf

Min salary: AED 30,000/mo
Annual fee: AED 3,000/yr
Salary transfer: Not required
FX fee: 2.3%
Monthly interest: 3.75%
Interest-free days: 55 days
Welcome offer: 100,000 Etihad Guest Miles: 75,000 on activation + 25,000 on AED 60,000 spend in 90 days
Fee waiver: Self-funded option available at AED 1,000 annual fee (note 13 in SOC)

Unlimited Airport Lounge Access: Unlimited complimentary airport lounge access for cardholder and 1 guest.
2 Airport Transfers per Year: 2 complimentary airport transfers per year from UAE airports.
1 Golf Round per Month: 1 complimentary golf round per month at select UAE courses.
4 Valet Parking per Month: 4 complimentary valet parking uses per month.

The fine print that matters

Late Payment Donation
AED 100 charitable donation charged if minimum payment not made by due date.
Cash Withdrawal Fee
3% of withdrawal amount, minimum AED 99. Profit rate applies from date of withdrawal.
FX Transaction Fee
2.3% on non-AED transactions; 1.99% on AED international transactions.
Companion Ticket Requires High Spend
Companion ticket benefit requires AED 150,000 annual spend to qualify.
Reduced Miles on EEA Spends
Spends in EEA and specific categories earn significantly reduced miles (0.3 per AED 4 vs 3.5 per AED 4 standard).